Blue Ridge Bankshares, Inc. Logo

Blue Ridge Bankshares, Inc.

BRBS

(1.8)
Stock Price

3,60 USD

-2.12% ROA

-28.08% ROE

-1.08x PER

Market Cap.

199.298.820,00 USD

74.81% DER

0% Yield

-35.44% NPM

Blue Ridge Bankshares, Inc. Stock Analysis

Blue Ridge Bankshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Blue Ridge Bankshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.31x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

5 ROE

Negative ROE (-22.74%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (-1.64%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

7 DER

The stock is burdened with a heavy load of debt (109%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (2), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Blue Ridge Bankshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Blue Ridge Bankshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Hold

Blue Ridge Bankshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Blue Ridge Bankshares, Inc. Revenue
Year Revenue Growth
2012 6.457.061
2013 7.380.681 12.51%
2014 8.519.005 13.36%
2015 9.450.043 9.85%
2016 15.926.068 40.66%
2017 26.331.973 39.52%
2018 44.694.000 41.08%
2019 40.803.500 -9.53%
2020 100.911.846 59.57%
2021 180.436.000 44.07%
2022 158.483.000 -13.85%
2023 118.428.000 -33.82%
2023 197.646.000 40.08%
2024 185.544.000 -6.52%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Blue Ridge Bankshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Blue Ridge Bankshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 544.611
2013 606.798 10.25%
2014 903.050 32.81%
2015 1.055.909 14.48%
2016 2.814.294 62.48%
2017 2.042.265 -37.8%
2018 13.795.000 85.2%
2019 22.322.000 38.2%
2020 51.421.812 56.59%
2021 72.943.000 29.5%
2022 57.346.000 -27.2%
2023 63.848.000 10.18%
2023 63.217.000 -1%
2024 66.996.000 5.64%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Blue Ridge Bankshares, Inc. EBITDA
Year EBITDA Growth
2012 -197.420
2013 -207.255 4.75%
2014 -45.000 -360.57%
2015 -45.000 0%
2016 372.329 112.09%
2017 396 -93922.47%
2018 11.778.000 100%
2019 7.176.610 -64.12%
2020 24.243.932 70.4%
2021 70.041.000 65.39%
2022 56.744.000 -23.43%
2023 -183.024.000 131%
2023 1.295.000 14233.13%
2024 -4.044.000 132.02%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Blue Ridge Bankshares, Inc. Gross Profit
Year Gross Profit Growth
2012 6.457.061
2013 7.380.681 12.51%
2014 8.519.005 13.36%
2015 9.450.043 9.85%
2016 15.926.068 40.66%
2017 26.331.973 39.52%
2018 44.694.000 41.08%
2019 38.245.500 -16.86%
2020 88.337.846 56.71%
2021 180.436.000 51.04%
2022 158.483.000 -13.85%
2023 118.428.000 -33.82%
2023 204.530.000 42.1%
2024 185.544.000 -10.23%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Blue Ridge Bankshares, Inc. Net Profit
Year Net Profit Growth
2012 1.318.942
2013 1.637.349 19.45%
2014 1.984.062 17.47%
2015 2.453.105 19.12%
2016 688.728 -256.18%
2017 3.350.520 79.44%
2018 4.560.000 26.52%
2019 4.791.760 4.84%
2020 17.696.000 72.92%
2021 52.477.000 66.28%
2022 27.913.000 -88%
2023 -165.484.000 116.87%
2023 -51.773.000 -219.63%
2024 -45.740.000 -13.19%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Blue Ridge Bankshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 1
2013 1 0%
2014 1 0%
2015 1 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 2 100%
2021 3 0%
2022 1 -100%
2023 -9 112.5%
2023 -3 -300%
2024 -2 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Blue Ridge Bankshares, Inc. Free Cashflow
Year Free Cashflow Growth
2012 2.084.904
2013 14.064.831 85.18%
2014 1.639.838 -757.7%
2015 -5.921.873 127.69%
2016 -4.453.382 -32.97%
2017 42.463.261 110.49%
2018 -6.665.000 737.11%
2019 -16.825.000 60.39%
2020 -111.350.000 84.89%
2021 58.052.000 291.81%
2022 93.476.000 37.9%
2023 12.669.000 -637.83%
2023 40.019.000 68.34%
2024 -4.971.000 905.05%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Blue Ridge Bankshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
2012 2.391.481
2013 14.205.010 83.16%
2014 2.265.956 -526.89%
2015 -5.819.081 138.94%
2016 -2.106.152 -176.29%
2017 45.660.699 104.61%
2018 -4.569.000 1099.36%
2019 -15.085.000 69.71%
2020 -108.340.000 86.08%
2021 59.308.000 282.67%
2022 93.931.000 36.86%
2023 12.776.000 -635.21%
2023 40.980.000 68.82%
2024 -4.815.000 951.09%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Blue Ridge Bankshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
2012 306.577
2013 140.179 -118.7%
2014 626.118 77.61%
2015 102.792 -509.11%
2016 2.347.230 95.62%
2017 3.197.438 26.59%
2018 2.096.000 -52.55%
2019 1.740.000 -20.46%
2020 3.010.000 42.19%
2021 1.256.000 -139.65%
2022 455.000 -176.04%
2023 107.000 -325.23%
2023 961.000 88.87%
2024 156.000 -516.03%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Blue Ridge Bankshares, Inc. Equity
Year Equity Growth
2012 18.494.435
2013 19.229.543 3.82%
2014 24.786.488 22.42%
2015 24.100.824 -2.84%
2016 33.627.105 28.33%
2017 36.441.623 7.72%
2018 39.621.000 8.02%
2019 92.549.120 57.19%
2020 107.774.939 14.13%
2021 277.139.000 61.11%
2022 259.373.000 -6.85%
2023 182.837.000 -41.86%
2023 185.989.000 1.69%
2024 325.614.000 42.88%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Blue Ridge Bankshares, Inc. Assets
Year Assets Growth
2012 208.228.537
2013 214.724.007 3.03%
2014 239.353.596 10.29%
2015 268.910.152 10.99%
2016 418.124.046 35.69%
2017 424.122.390 1.41%
2018 539.590.000 21.4%
2019 961.263.128 43.87%
2020 1.498.258.085 35.84%
2021 2.666.870.000 43.82%
2022 3.141.045.000 15.1%
2023 3.262.713.000 3.73%
2023 3.130.638.000 -4.22%
2024 2.933.072.000 -6.74%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Blue Ridge Bankshares, Inc. Liabilities
Year Liabilities Growth
2012 20.334.123
2013 26.388.861 22.94%
2014 29.893.599 11.72%
2015 47.624.327 37.23%
2016 384.496.941 87.61%
2017 387.680.767 0.82%
2018 499.969.000 22.46%
2019 134.600.434 -271.45%
2020 421.155.972 68.04%
2021 57.748.000 -629.3%
2022 2.881.672.000 98%
2023 199.886.000 -1341.66%
2023 2.944.649.000 93.21%
2024 2.607.458.000 -12.93%

Blue Ridge Bankshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.08
Net Income per Share
-2.51
Price to Earning Ratio
-1.08x
Price To Sales Ratio
1.15x
POCF Ratio
-12.29
PFCF Ratio
-33.64
Price to Book Ratio
0.2
EV to Sales
1.88
EV Over EBITDA
-6.9
EV to Operating CashFlow
-60.47
EV to FreeCashFlow
-55.09
Earnings Yield
-0.93
FreeCashFlow Yield
-0.03
Market Cap
0,20 Bil.
Enterprise Value
0,33 Bil.
Graham Number
27.41
Graham NetNet
-86.07

Income Statement Metrics

Net Income per Share
-2.51
Income Quality
0.09
ROE
-0.28
Return On Assets
-0.02
Return On Capital Employed
-0.04
Net Income per EBT
0.89
EBT Per Ebit
1.09
Ebit per Revenue
-0.36
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0.31
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.04
Gross Profit Margin
1
Operating Profit Margin
-0.36
Pretax Profit Margin
-0.4
Net Profit Margin
-0.35

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-0.22
Free CashFlow per Share
-0.24
Capex to Operating CashFlow
-0.1
Capex to Revenue
0
Capex to Depreciation
0.19
Return on Invested Capital
-0.1
Return on Tangible Assets
-0.02
Days Sales Outstanding
29.83
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
12.24
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.02

Balance Sheet

Cash per Share
17,65
Book Value per Share
13,30
Tangible Book Value per Share
11.9
Shareholders Equity per Share
13.3
Interest Debt per Share
12.67
Debt to Equity
0.75
Debt to Assets
0.08
Net Debt to EBITDA
-2.69
Current Ratio
0.12
Tangible Asset Value
0,29 Bil.
Net Current Asset Value
-2,46 Bil.
Invested Capital
-1079487000
Working Capital
-1,14 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-11325000
Debt to Market Cap
1.22

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Blue Ridge Bankshares, Inc. Dividends
Year Dividends Growth
2011 0
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 1 0%
2020 0 0%
2021 1 0%
2022 0 0%
2023 0 0%

Blue Ridge Bankshares, Inc. Profile

About Blue Ridge Bankshares, Inc.

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, consumer installment, and guaranteed government loans; and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, payroll processing, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management, and other insurance products; and wholesale and third-party residential mortgage origination services to other financial institutions and credit unions. It has branches 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 Charlottesville, Virginia.

CEO
Mr. G. William Beale
Employee
507
Address
1807 Seminole Trail
Charlottesville, 22901

Blue Ridge Bankshares, Inc. Executives & BODs

Blue Ridge Bankshares, Inc. Executives & BODs
# Name Age
1 Jerry Maloney
Chief Compliance Officer
70
2 Mr. Robert S. Janney
General Counsel & Independent Director
70
3 Kirsten Muetzel
President of Fintech Division
70
4 Mr. C. Douglass Riddle
Executive Vice President & Commercial Banking Executive
70
5 Mr. Brett E. Raynor
Chief Accounting Officer
70
6 Mr. G. William Beale
Chief Executive Officer, President & Director
70
7 Ms. Amanda G. Story
Corporate Secretary
70
8 Ms. Lanell Deloach
Executive Vice President & Chief Credit Officer of Blue Ridge Bank, National Association
70

Blue Ridge Bankshares, Inc. Competitors