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Upturn AI SWOT - About
BRBS 
Blue Ridge Bankshares Inc (BRBS)
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Upturn Advisory Summary
08/28/2025: 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 -34.76% | Avg. Invested days 27 | 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 08/28/2025 |
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. (BRBS) is a bank holding company headquartered in Charlottesville, Virginia. Founded in 1893 as the Bank of Floyd, the company has expanded through organic growth and acquisitions, evolving into a regional community bank serving Virginia, North Carolina, South Carolina, Ohio, Tennessee, and Maryland.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers traditional banking products and services to individuals, such as checking and savings accounts, mortgage loans, and personal loans.
- Wealth Management: Provides investment management and financial planning services to high-net-worth individuals and families.
Leadership and Structure
Brian K. Plum is the current CEO. The company operates with a board of directors overseeing strategic direction. The organizational structure includes various departments such as lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share is difficult to determine precisely but is a significant part of Blue Ridge Bankshares' portfolio. Competitors include regional and national banks. No specific market share data is available.
- Mortgage Loans: Loans for purchasing residential properties. No specific market share or revenue data is publicly available for mortgage revenue. Competitors include regional and national banks like Truist and Wells Fargo. No specific market share data is available.
- Checking and Savings Accounts: Traditional banking accounts for individuals and businesses. No market share or revenue data is publicly available for checking or savings accounts. Competitors include larger national and regional banks, as well as online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increasing regulatory scrutiny, and competition from fintech companies. Community banks like Blue Ridge Bankshares are focused on relationship-based banking and serving local markets.
Positioning
Blue Ridge Bankshares is positioned as a community bank focused on serving small to medium-sized businesses and individuals in its target markets. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for community banking services in Blue Ridge's geographic footprint is substantial, estimated in the billions of dollars. Blue Ridge is positioned to capture a portion of this market through its local presence and customer relationships. However given the collapse the TAM has decreased
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-based banking approach
- Experienced management team
- Diversified revenue streams
Weaknesses
- Smaller size compared to larger national banks
- Limited geographic reach
- Higher operating expenses relative to larger peers
- Reliance on traditional banking products
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalizing on community bank's image
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
Competitive Landscape
Blue Ridge Bankshares faces significant competition from larger national and regional banks, which have greater resources and broader product offerings. Blue Ridge Bankshares competitive edge is primarily its local market knowledge and customer service. Given the challenges, this advantage is minimized
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic growth and acquisitions. However, recent performance indicates significant challenges.
Future Projections: Future growth projections are uncertain given the company's recent financial difficulties. Analyst estimates are likely to be revised downwards.
Recent Initiatives: Recent strategic initiatives may include cost-cutting measures and efforts to improve asset quality. Without more information these initiatives are not known.
Summary
Blue Ridge Bankshares is a small regional bank facing significant financial challenges and increased competitive pressures. Its strengths lie in its local market knowledge and personalized customer service. However, its smaller size and limited geographic reach pose significant disadvantages. Recent financial losses raise concerns about its long-term viability, and the company needs to implement strategic initiatives to improve profitability and strengthen its balance sheet.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
The data and analysis provided are based on publicly available information and are for informational purposes only. They should not be considered investment advice. Actual results may vary.
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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