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BLUE RIDGE BANKSHARES INC (BRBS) Stock Fundamental Analysis

NYSEARCA:BRBS - American Stock Exchange - US0958251052 - Common Stock - Currency: USD

3.4  +0.02 (+0.59%)

After market: 3.4 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BRBS. BRBS was compared to 405 industry peers in the Banks industry. BRBS has a bad profitability rating. Also its financial health evaluation is rather negative. 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

In the past year BRBS has reported negative net income.
In the past year BRBS had a positive cash flow from operations.
Of the past 5 years BRBS 4 years were profitable.
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 0 50M -50M -100M

1.2 Ratios

BRBS's Return On Assets of -0.75% is on the low side compared to the rest of the industry. BRBS is outperformed by 97.74% of its industry peers.
BRBS has a worse Return On Equity (-6.55%) than 97.74% of its industry peers.
Industry RankSector Rank
ROA -0.75%
ROE -6.55%
ROIC N/A
ROA(3y)0.4%
ROA(5y)0.57%
ROE(3y)0.78%
ROE(5y)4.75%
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 0 10 -10 -20

1.3 Margins

BRBS does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 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.
BRBS has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BRBS has been increased compared to 5 years ago.
Compared to 1 year ago, BRBS has a worse debt to assets ratio.
BRBS Yearly Shares OutstandingBRBS Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
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 1B 2B 3B

2.2 Solvency

BRBS has a debt to FCF ratio of 1.26. This is a very positive value and a sign of high solvency as it would only need 1.26 years to pay back of all of its debts.
BRBS has a better Debt to FCF ratio (1.26) than 71.61% 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's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. BRBS outperforms 68.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.26
Altman-Z N/A
ROIC/WACCN/A
WACC13.73%
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 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 2M 4M 6M 8M

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3

3. Growth

3.1 Past

BRBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.50%, which is quite impressive.
Looking at the last year, BRBS shows a decrease in Revenue. The Revenue has decreased by -8.07% in the last year.
Measured over the past years, BRBS shows a very strong growth in Revenue. The Revenue has been growing by 34.72% on average per year.
EPS 1Y (TTM)68.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100.5%
Revenue 1Y (TTM)-8.07%
Revenue growth 3Y6.27%
Revenue growth 5Y34.72%
Sales Q2Q%-16.39%

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 50M 100M 150M
BRBS Yearly EPS VS EstimatesBRBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023

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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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BRBS indicates a somewhat cheap valuation: BRBS is cheaper than 76.13% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.1
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.
Compared to an average industry Dividend Yield of 3.19, BRBS pays a better dividend. On top of this BRBS pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, BRBS pays a better dividend.
Industry RankSector Rank
Dividend Yield 16.84%

5.2 History

The dividend of BRBS is nicely growing with an annual growth rate of 10.82%!
BRBS has been paying a dividend for at least 10 years, so it has 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 0 50M -50M -100M

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BLUE RIDGE BANKSHARES INC

NYSEARCA:BRBS (1/24/2025, 8:04:01 PM)

After market: 3.4 0 (0%)

3.4

+0.02 (+0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2025-01-24
Earnings (Next)N/A N/A
Inst Owners18.38%
Inst Owner Change2.52%
Ins Owners30.66%
Ins Owner Change0.14%
Market Cap287.10M
Analysts0
Price TargetN/A
Short Float %1.63%
Short Ratio2.69
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 2.25
P/FCF 9.1
P/OCF 8.9
P/B 0.85
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)-0.7
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.37
FCFY10.99%
OCF(TTM)0.38
OCFY11.24%
SpS1.51
BVpS3.98
TBVpS3.7
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)0.4%
ROA(5y)0.57%
ROE(3y)0.78%
ROE(5y)4.75%
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-Score7
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-Score7
WACC13.73%
ROIC/WACCN/A
Cap/Depr(3y)25.44%
Cap/Depr(5y)84.46%
Cap/Sales(3y)0.59%
Cap/Sales(5y)1.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.07%
Revenue growth 3Y6.27%
Revenue growth 5Y34.72%
Sales Q2Q%-16.39%
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 1Y-81.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-80.89%
OCF growth 3YN/A
OCF growth 5YN/A