Blue Ridge Bankshares, Inc. (BRBS) Stock

Blue Ridge Bankshares, Inc. (BRBS) is a Financials stock trading at $3.91 (as of 2026-08-21), with a market capitalization of $350.68M and a trailing P/E of 37.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Blue Ridge Bankshares, Inc. is a bank holding company for Blue Ridge Bank, National Association, providing commercial and consumer banking and financial services through commercial and mortgage banking lines of business. It offers deposit accounts and loans, payment and electronic banking services, insurance, trust and wealth-related services, and mortgage origination services.

Understand Blue Ridge Bankshares, Inc.: how it makes money

Blue Ridge Bankshares operates a commercial bank that accepts deposits and provides lending and other financial services, including commercial and consumer banking plus mortgage banking, and it makes money primarily from the interest and credit performance of its loan portfolio funded by its deposits.

For a bank, the profit engine is the interaction between funding and credit, here reflected by the Held for Investment Loan-to-Deposit Ratio (funding mix) and Net Loan Charge-Offs to Average Loans Outstanding Ratio (credit losses).

Business quality (Weak): Investor attention should center on credit quality and funding mix, using the companys loan performance metrics (nonperforming loans and charge-off ratios) and its deposit usage (loan-to-deposit ratio).

Valuation: At 26× earnings, BRBS trades 104% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Low-cost funding signals: Noninterest-Bearing Demand Balances were $0.41B, which can support funding effectiveness for a bank.
  • Credit performance tracked by charge-offs: Net Loan Charge-Offs to Average Loans Outstanding Ratio was 0.36%, and Nonperforming Loans were $0.02B for the quarter ended 2026-03-31.

Bear case

  • Ongoing loss risk shows up in charge-off and nonperforming metrics: Annualized Net Charge-Off Rate was 2.84%, and Nonperforming Assets were $0.03B (quarter ended 2026-03-31), indicating credit risk remains a key swing factor.
  • Funding and liquidity pressures can arise from specific deposit sources: Brokered Deposit Balances were $0.21B and Deposits Related to Fintech Relationships were $0.3B, which can be more sensitive to market and relationship changes than core deposits.
Valuation — source: SEC EDGAR (first-party)
Price$3.91
Market Cap$350.68M
P/E Ratio37.4
EV / EBITDA25.4
Price / Book1.27
Price / Sales2.78
FCF Yield8.5%
DCF Value (model)$0.08
DCF Upside vs Price-98.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$137.77M
Net Margin7.8%
Revenue Growth (YoY)-17.0%
EPS Growth (YoY)-200.0%
FCF Growth (YoY)52.8%
Valuation vs Sector & Industry
Stock P/E37.4
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector147.4%
vs Industry188.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderWELLINGTON MANAGEMENT GROUP LLP ($27.02M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOG. William Beale
Employees416
CountryUS
IPO Date2012-09-25

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BRBS earnings history · BRBS institutional & insider holders · BRBS KPIs & operating metrics · BRBS financials · BRBS investor presentations & press releases · BRBS SEC filings · BRBS peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.