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BLUE RIDGE BANKSHARES INC (BRBS) Stock Fundamental Analysis

NYSEARCA:BRBS - NYSE Arca - US0958251052 - Common Stock - Currency: USD

3.43  +0.01 (+0.29%)

After market: 3.43 0 (0%)

Fundamental Rating

2

BRBS gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 402 industry peers in the Banks industry. Both the profitability and financial health of BRBS have multiple concerns. BRBS does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

BRBS had negative earnings in the past year.
BRBS had a positive operating cash flow in the past year.
In multiple years BRBS reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: BRBS reported negative operating cash flow in multiple years.
BRBS Yearly Net Income VS EBIT VS OCF VS FCFBRBS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

BRBS has a Return On Assets of -0.75%. This is amonst the worse of the industry: BRBS underperforms 96.29% of its industry peers.
BRBS's Return On Equity of -6.55% is on the low side compared to the rest of the industry. BRBS is outperformed by 96.53% of its industry peers.
Industry RankSector Rank
ROA -0.75%
ROE -6.55%
ROIC N/A
ROA(3y)-0.44%
ROA(5y)0.36%
ROE(3y)-7.1%
ROE(5y)2.81%
ROIC(3y)N/A
ROIC(5y)N/A
BRBS Yearly ROA, ROE, ROICBRBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for BRBS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BRBS Yearly Profit, Operating, Gross MarginsBRBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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3

2. Health

2.1 Basic Checks

BRBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BRBS has been increased compared to 1 year ago.
BRBS has more shares outstanding than it did 5 years ago.
BRBS has a better debt/assets ratio than last year.
BRBS Yearly Shares OutstandingBRBS Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
BRBS Yearly Total Debt VS Total AssetsBRBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of BRBS is 1.26, which is an excellent value as it means it would take BRBS, only 1.26 years of fcf income to pay off all of its debts.
BRBS's Debt to FCF ratio of 1.26 is fine compared to the rest of the industry. BRBS outperforms 70.54% of its industry peers.
BRBS has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
BRBS has a Debt to Equity ratio of 0.12. This is in the better half of the industry: BRBS outperforms 69.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.26
Altman-Z N/A
ROIC/WACCN/A
WACC13.09%
BRBS Yearly LT Debt VS Equity VS FCFBRBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BRBS Yearly Current Assets VS Current LiabilitesBRBS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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2

3. Growth

3.1 Past

BRBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.26%, which is quite impressive.
BRBS shows a decrease in Revenue. In the last year, the revenue decreased by -0.25%.
BRBS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.07% yearly.
EPS 1Y (TTM)85.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%91.61%
Revenue 1Y (TTM)-0.25%
Revenue growth 3Y-20.05%
Revenue growth 5Y18.07%
Sales Q2Q%-15.2%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BRBS Yearly Revenue VS EstimatesBRBS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
BRBS Yearly EPS VS EstimatesBRBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for BRBS. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
BRBS Price Earnings VS Forward Price EarningsBRBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

BRBS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BRBS is cheaper than 71.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.23
EV/EBITDA N/A
BRBS Per share dataBRBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 16.84%, BRBS is a good candidate for dividend investing.
BRBS's Dividend Yield is rather good when compared to the industry average which is at 3.37. BRBS pays more dividend than 100.00% of the companies in the same industry.
BRBS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 16.84%

5.2 History

On average, the dividend of BRBS grows each year by 10.82%, which is quite nice.
BRBS has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.82%
Div Incr Years0
Div Non Decr Years0
BRBS Yearly Dividends per shareBRBS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.1 0.2 0.3 0.4

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
BRBS Yearly Income VS Free CF VS DividendBRBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

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BLUE RIDGE BANKSHARES INC

NYSEARCA:BRBS (3/7/2025, 8:08:23 PM)

After market: 3.43 0 (0%)

3.43

+0.01 (+0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2025-01-24
Earnings (Next)04-28 2025-04-28
Inst Owners26.68%
Inst Owner Change6.66%
Ins Owners26.58%
Ins Owner Change0.43%
Market Cap291.45M
Analysts0
Price TargetN/A
Short Float %1.54%
Short Ratio4.33
Dividend
Industry RankSector Rank
Dividend Yield 16.84%
Yearly Dividend0.24
Dividend Growth(5Y)10.82%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.29
P/FCF 9.23
P/OCF 9.03
P/B 0.87
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)-0.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.37
FCFY10.83%
OCF(TTM)0.38
OCFY11.07%
SpS1.5
BVpS3.96
TBVpS3.68
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.75%
ROE -6.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 24.78%
ROA(3y)-0.44%
ROA(5y)0.36%
ROE(3y)-7.1%
ROE(5y)2.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.26
Debt/EBITDA N/A
Cap/Depr 25.98%
Cap/Sales 0.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)85.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%91.61%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.25%
Revenue growth 3Y-20.05%
Revenue growth 5Y18.07%
Sales Q2Q%-15.2%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y587.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y679.4%
OCF growth 3YN/A
OCF growth 5YN/A