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Upturn AI SWOT - About
BRBS 
Blue Ridge Bankshares Inc (BRBS)
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Upturn Advisory Summary
09/15/2025: 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 -31.15% | Avg. Invested days 28 | 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 09/15/2025 |
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 1893 and is headquartered in Charlottesville, Virginia. It has grown through acquisitions and organic expansion, focusing on community banking in Virginia, North Carolina, South Carolina, and Maryland. Over the years, it has adapted to the changing financial landscape while maintaining its commitment to local communities.
Core Business Areas
- Community Banking: Offers a range of traditional banking services, including deposit accounts, loans (commercial, consumer, and mortgage), and other financial services to individuals and businesses within its operating footprint.
- Mortgage Banking: Provides mortgage origination and servicing capabilities.
Leadership and Structure
Blue Ridge Bankshares Inc. is led by a board of directors and an executive management team. The bank's organizational structure typically includes regional presidents and functional departments overseeing key areas such as lending, operations, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing to businesses for various purposes such as working capital, equipment purchases, and real estate development. Blue Ridge's market share within their geographic footprint is estimated to be small, as they compete with larger regional and national banks. Competitors include Truist, Bank of America, and local credit unions.
- Residential Mortgages: Offer mortgage products to individuals for home purchases and refinancing. Competition includes national mortgage lenders like Rocket Mortgage and local banks and credit unions. No specific market share data is readily available without proprietary market research.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Market share depends on specific branch locations and competition within those areas. Competitors include other local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, technological disruption, and heightened competition. Banks are facing pressure to improve efficiency, enhance cybersecurity, and adapt to changing customer preferences.
Positioning
Blue Ridge Bankshares Inc. positions itself as a community bank focused on building relationships with local customers and providing personalized service. Its competitive advantages include its local market knowledge and its ability to make decisions quickly.
Total Addressable Market (TAM)
The TAM for banking services in Blue Ridge's operating area is estimated to be in the billions of dollars annually. Blue Ridge is positioned to capture a portion of this TAM by focusing on relationship banking and serving the needs of small and medium-sized businesses.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Relationship-focused approach
- Sound asset quality
- Strong presence in target markets
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic diversification
- Dependence on local economy
- High efficiency ratio
- Concentration in commercial real estate lending
Opportunities
- Expansion into new markets within the region
- Increased digital banking adoption
- Strategic acquisitions of smaller banks
- Growth in wealth management services
- Increased lending to businesses
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Bank of America (BAC)
- PNC Financial Services (PNC)
Competitive Landscape
Blue Ridge Bankshares Inc. faces stiff competition from larger regional and national banks. Its advantages include its local market knowledge and relationship-based approach. Disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Bay Banks of Virginia
- Year: 2021
- Acquisition Price (USD millions): 303
- Strategic Rationale: Expanded Blue Ridge's presence in the Virginia market, added new branches and customers, and provided opportunities for cost synergies.
Growth Trajectory and Initiatives
Historical Growth: Blue Ridge Bankshares Inc.'s historical growth has been driven by a combination of organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on various factors, including economic conditions, competitive landscape, and management's strategic initiatives. Analyst estimates can be found on financial news websites.
Recent Initiatives: Recent strategic initiatives may include investments in digital banking technology, expansion into new markets, or acquisitions of other financial institutions. Please refer to the company's press releases and investor presentations for details.
Summary
Blue Ridge Bankshares is a community bank with a relationship-focused approach, but faces challenges due to its smaller size and competition from larger institutions. Its local market knowledge is a strength, while limited geographic diversification and reliance on the local economy are weaknesses. Strategic acquisitions and digital banking initiatives could drive future growth, but economic downturns and cybersecurity threats pose risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Financial News Articles
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It is not financial advice, and readers should conduct their own research before making investment decisions. Market share data are estimates and may vary depending on the source.
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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