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BRBS 
Blue Ridge Bankshares Inc (BRBS)
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Upturn Advisory Summary
12/26/2025: BRBS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -16.89% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/26/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 331.89M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.77 | 52 Weeks Range 2.45 - 3.83 | Updated Date 06/29/2025 |
52 Weeks Range 2.45 - 3.83 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.17 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -14.32% | Operating Margin (TTM) 2.05% |
Management Effectiveness
Return on Assets (TTM) -0.45% | Return on Equity (TTM) -4.98% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 357475360 | Price to Sales(TTM) 3.68 |
Enterprise Value 357475360 | Price to Sales(TTM) 3.68 | ||
Enterprise Value to Revenue 6.15 | Enterprise Value to EBITDA - | Shares Outstanding 91177800 | Shares Floating 64631418 |
Shares Outstanding 91177800 | Shares Floating 64631418 | ||
Percent Insiders 28.02 | Percent Institutions 32.08 |
Upturn AI SWOT
Blue Ridge Bankshares Inc
Company Overview
History and Background
Blue Ridge Bankshares, Inc. was founded in 1910. It operates as the holding company for Blue Ridge Bank, a community-focused financial institution. Over its history, the company has focused on serving its local communities through traditional banking services.
Core Business Areas
- Community Banking: Providing a range of deposit accounts (checking, savings, money market, certificates of deposit) and loan products (commercial, agricultural, real estate, consumer) to individuals and businesses in its service areas.
- Wealth Management and Trust Services: Offering investment advisory, retirement planning, estate planning, and other trust services to help clients manage and grow their assets.
Leadership and Structure
Blue Ridge Bankshares, Inc. is led by a Board of Directors and executive management team responsible for overseeing the company's strategy and operations. Its primary operating subsidiary is Blue Ridge Bank.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Standard deposit accounts offering liquidity and interest for customers. Competitors include national banks, other regional banks, and credit unions. Market share data is not publicly available at a granular product level.
- Commercial and Industrial Loans: Loans provided to businesses for working capital, equipment purchases, and other operational needs. Competitors include larger regional banks and specialized commercial lenders. Market share data is not publicly available at a granular product level.
- Residential and Commercial Real Estate Loans: Financing for the purchase or construction of residential and commercial properties. Competitors include national mortgage lenders, other community banks, and specialized real estate financing companies. Market share data is not publicly available at a granular product level.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by a mix of large national institutions, regional banks, and community banks. Key trends include digital transformation, increasing regulatory scrutiny, and a focus on customer experience. Interest rate environments significantly impact profitability.
Positioning
Blue Ridge Bankshares, Inc. positions itself as a community-focused bank, emphasizing personalized service and local market knowledge. Its competitive advantage lies in its established relationships within its operating regions.
Total Addressable Market (TAM)
The TAM for community banking services is substantial, encompassing deposit and lending needs of individuals and businesses across the United States. Blue Ridge Bankshares Inc. operates within specific geographic sub-segments of this TAM, focusing on its established service areas.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge and relationships.
- Customer-centric approach and personalized service.
- Stable, long-standing community presence.
- Diversified loan and deposit products.
Weaknesses
- Limited geographic reach compared to larger banks.
- Potentially slower adoption of cutting-edge digital technologies.
- Reliance on interest rate spreads for profitability.
- Smaller scale may limit negotiating power with vendors.
Opportunities
- Expansion into adjacent geographic markets.
- Growth in wealth management and advisory services.
- Leveraging technology to enhance digital banking offerings.
- Partnerships with local businesses for enhanced financial services.
Threats
- Intensifying competition from larger banks and fintech companies.
- Changes in interest rate environment affecting net interest margins.
- Cybersecurity risks and data breaches.
- Economic downturns impacting loan demand and credit quality.
Competitors and Market Share
Key Competitors
- First Citizens BancShares, Inc. (FCNCA)
- First Horizon Corporation (FHN)
- PNC Financial Services Group, Inc. (PNC)
- Truist Financial Corporation (TFC)
Competitive Landscape
Blue Ridge Bankshares Inc. faces significant competition from larger, more diversified financial institutions with greater resources and broader product offerings. Its advantage lies in its deep local ties and personalized customer service, which can be a differentiator in its specific markets.
Growth Trajectory and Initiatives
Historical Growth: Historically, Blue Ridge Bankshares, Inc. has experienced moderate growth, primarily driven by organic expansion and its community focus. Growth has been consistent with that of similarly sized regional banks.
Future Projections: Future projections would likely be influenced by interest rate trends, economic conditions in its service areas, and the success of its strategic initiatives. Analyst estimates are not publicly available in this format.
Recent Initiatives: Recent initiatives may include enhancements to digital banking platforms, targeted marketing campaigns to attract new customers, and prudent loan portfolio management. Specific details are not available in this format.
Summary
Blue Ridge Bankshares Inc. is a well-established community bank with a strong local presence and customer loyalty. Its traditional banking services form the core of its business, supplemented by wealth management. While its local focus is a strength, it faces challenges from larger competitors and evolving digital banking trends. Continued investment in technology and strategic market expansion could fuel future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (e.g., 10-K, 10-Q)
- Financial News and Analysis Websites
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and may not be exhaustive. Financial data and market share estimates are subject to change and may not be perfectly precise for a company of this size and reporting structure. This is not financial advice. Investors should conduct their own due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Blue Ridge Bankshares Inc
Exchange NYSE MKT | Headquaters Richmond, VA, United States | ||
IPO Launch date 2007-08-10 | CEO, President & Director Mr. G. William Beale | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 416 | |
Full time employees 416 | |||
Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, and consumer installment loans; and residential mortgage loans and mortgages loans on real estate. In addition, it provides commercial banking services, including deposit accounts, treasury management solutions, wire services, online banking, fraud prevention services, procurement cards, and a range of commercial lending options; and property and casualty insurance products to individuals and businesses, as well as electronic statement, and mobile and telephone banking services. Further, the company offers consumer lending services that include automobile lending, home equity lines of credit, credit cards, and other unsecured personal loans; small business administration loans; management services for personal and corporate trusts, including estate planning and settlement, trust administration, and investment and wealth management services, as well as life insurance products. It operates in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Richmond, Virginia.
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