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
07/03/2025: BRBS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -41.15% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
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 headquartered in Charlottesville, Virginia. It was founded in 1893 and has grown through acquisitions and organic expansion. It operates primarily in Virginia, North Carolina, and South Carolina.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers checking and savings accounts, mortgages, and other consumer loans to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, Chief Credit Officer, and other key executives. The organizational structure is typical of a regional bank, with departments focused on lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is not publicly available at a granular level. Competitors include Truist, Bank of America, and local regional banks.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Market share data is difficult to pinpoint. Competitors include Wells Fargo, Truist, and numerous mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Market share is localized, competing with other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is an ongoing trend.
Positioning
Blue Ridge Bankshares positions itself as a community-focused bank with a strong commitment to customer service. Competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Blue Ridge's geographic footprint is estimated to be in the billions of dollars. Blue Ridge Bankshares holds a small but significant portion, focused on deepening its relationships and expanding its reach within selected markets.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Dependence on traditional banking services
- Recent Financial Struggles
Opportunities
- Expanding into new markets
- Developing new digital banking products
- Acquiring smaller banks
- Capitalizing on disruption by fintech companies
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Bank of America Corporation (BAC)
- PNC Financial Services Group, Inc. (PNC)
Competitive Landscape
Blue Ridge Bankshares faces intense competition from larger national and regional banks. Its competitive advantage lies in its local market knowledge and customer service, but it needs to address financial challenges to remain viable.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate but challenged recently.
Future Projections: Future projections are uncertain due to the reported financial difficulties. Analyst estimates will likely be revised.
Recent Initiatives: Recent initiatives are focused on addressing financial challenges and potential restructuring.
Summary
Blue Ridge Bankshares faces significant challenges, as evidenced by its recent financial performance. While it has strengths in local market knowledge, its small size and recent financial woes present risks. The bank needs to address its financial issues and adapt to the changing banking landscape to ensure its long-term survival. Current financials paint a picture of a distressed company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Third-party Financial Data Providers
- Industry Reports
Disclaimers:
This analysis is based on available information and is not financial advice. The financial performance of Blue Ridge Bankshares is subject to change and may be affected by various factors. Please conduct thorough research before making any investment decisions.
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.