Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
BRBS 
Blue Ridge Bankshares Inc (BRBS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/21/2025: 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 -29.51% | Avg. Invested days 32 | 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 10/21/2025 |
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. is a bank holding company for Blue Ridge Bank, N.A. The bank provides a range of commercial and retail banking services. Founded in 1893 as the Bank of Floyd, it transformed into Blue Ridge Bankshares after several acquisitions and strategic growth initiatives.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses, including small to medium-sized enterprises (SMEs) and larger corporations.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, personal loans, and credit cards to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Brian K. Plum is the CEO. The organizational structure includes executive management, regional presidents, and various departments such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, real estate, and expansion. Competitors include larger national banks and other regional community banks. Market share data not publicly available.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Competitors include Quicken Loans, Wells Fargo, and other mortgage lenders. Market share data not publicly available.
- Checking and Savings Accounts: Standard deposit accounts for consumers and businesses. Competitors include Bank of America, Wells Fargo, and other local credit unions and banks. Market share data not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Community banks like Blue Ridge also compete with national banking franchises.
Positioning
Blue Ridge Bankshares positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages lie in its customer relationships and understanding of local markets.
Total Addressable Market (TAM)
The TAM for community banking is significant, encompassing all the local businesses and consumers requiring banking services. Blue Ridge Bankshares is well-positioned to capture market share within its operational footprint by leveraging its focus on relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Diversified product and service offerings
- Commitment to community involvement
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on interest rate spreads
- Lower brand recognition outside of its operating area
- Smaller technology budget than national players
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased adoption of digital banking services
- Growing demand for personalized financial advice
- Capitalizing on the fintech space through innovative products and service offerings
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturns impacting loan quality
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- Southern National Corporation (SONA)
- First Citizens BancShares, Inc. (FCNCA)
- Truist Financial Corporation (TFC)
Competitive Landscape
Blue Ridge Bankshares faces intense competition from larger regional and national banks. Its competitive advantages are its strong local presence, personalized service, and community focus. Disadvantages include smaller asset base and limited geographic reach.
Major Acquisitions
FVCBankcorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 176.5
- Strategic Rationale: Expansion into the Northern Virginia market and increased scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends have been moderate, reflecting a focus on strategic acquisitions and organic expansion within its existing markets.
Future Projections: Future growth projections are unavailable without recent analyst estimates.
Recent Initiatives: Recent strategic initiatives are focused on improving digital banking capabilities and expanding into new geographic markets through targeted acquisitions.
Summary
Blue Ridge Bankshares is a community-focused bank with a strong local presence, but it faces challenges from larger competitors and a changing banking landscape. Its strengths lie in its customer relationships and targeted acquisitions. The company needs to focus on innovation and technology to remain competitive and navigate economic fluctuations, particularly in loan quality and interest rate sensitivity.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-Party Financial Databases (Unavailable in this instance).
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and recent financials may not be readily accessible, and professional consultation is recommended for making investment decisions. Market Share is based on Asset Size Approximation.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.