Blue Ridge Bankshares Inc

Blue Ridge Bankshares Inc

BRBS · AMEX · Financial Services / Banks - Regional

4.05USD+0.02 (+0.50%)

Price History

Full chart

Market Stats

Previous Close4.03
Open4.07
Day Range3.99 – 4.07
52-Week Range3.22 – 4.20
Volume252.21K
Market Cap347.99M
P/E (TTM)43.11
Forward P/E0.00
EPS0.09
Dividend Yield68.18%
Beta0.55
50-Day Avg3.79
200-Day Avg3.85

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Harry W. Golliday
  • Employees269
  • Headquarters1801 Bayberry Court, Richmond, VA, United States, 23226, USA
  • Websitehttps://www.blueridgebankshares.com

Leadership

  • Ms. Judy C. Gavant CPAExecutive VP, CFO & Investor Relations · b. 1960
  • Mr. Harry W. GollidayInterim CEO, Interim President & Director · b. 1964
  • Mr. Brett E. RaynorChief Accounting Officer · b. 1984
  • Jerry MaloneyChief Compliance Officer
  • Mr. Stanley A. RobertsExecutive VP & General Counsel · b. 1977
  • Ms. Margaret HodgesChief Human Resources Officer

Financials

Income Statement

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue6.46M7.38M8.52M9.45M15.93M26.33M32.27M49.32M110.31M190.53M169.74M197.37M173.89M150.61M
Growth (%)-+14.30%+15.42%+10.93%+68.53%+65.34%+22.55%+52.84%+123.66%+72.73%-10.91%+16.28%-11.89%-13.39%
Cost of Revenue--00006.38M11.26M20.40M11.18M42.77M98.28M76.56M54.91M
Gross Profit6.46M7.38M8.52M9.45M15.93M26.33M25.89M38.06M89.91M179.35M126.97M99.09M97.33M95.70M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%80.24%77.17%81.51%94.13%74.80%50.21%55.97%63.54%
Operating Expense4.38M3.61M5.70M4.69M14.68M20.87M20.17M32.48M67.24M110.99M104.78M157.94M113.84M81.92M
Operating Income2.08M3.77M2.82M4.76M1.24M5.46M5.72M5.58M22.67M68.36M22.20M-58.84M-16.51M13.78M
Operating Margin32.20%51.15%33.11%50.33%7.80%20.73%17.73%11.31%20.55%35.88%13.08%-29.81%-9.49%9.15%
EBITDA2.10M7.75M7.12M3.82M1.62M6.27M6.64M6.57M24.23M72.18M25.70M-55.85M-13.89M15.02M
EBITDA Margin32.58%105.00%83.57%40.38%10.14%23.82%20.58%13.32%21.96%37.88%15.14%-28.30%-7.99%9.97%
Net Income1.32M1.64M1.98M2.45M688.73K3.35M4.56M4.58M17.70M52.48M17.33M-51.77M-15.38M10.71M
Net Income Margin20.43%22.18%23.29%25.96%4.32%12.72%14.13%9.29%16.04%27.54%10.21%-26.23%-8.85%7.11%
R&D--00000-------
R&D as % of Total Revenue--0.00%0.00%0.00%0.00%0.00%-------
Interest Expense--00005.15M9.52M9.95M11.06M17.09M75.95M81.66M58.91M
Interest Expense % of Total Revenue--0.00%0.00%0.00%0.00%15.96%19.30%9.02%5.81%10.07%38.48%46.96%39.12%

Balance Sheet

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets208.23M214.72M239.35M268.91M418.12M424.12M539.59M961.26M1.50B2.67B3.13B3.12B2.74B2.43B
Total Liabilities20.33M26.39M29.89M47.62M384.50M387.68M499.97M134.60M1.39B2.39B2.88B2.93B2.41B2.11B
Total Equity18.49M19.23M24.79M24.10M33.63M36.24M39.62M826.66M107.97M276.91M248.79M185.99M327.79M323.69M
Cash7.32M4.83M8.21M7.57M15.55M9.63M15.03M60.03M117.94M130.55M77.27M110.49M173.53M115.95M
Total Debt20.33M26.39M29.89M47.62M42.32M45.78M497.89M136.00M145.01M57.75M359.48M259.47M198.40M179.18M
Net Debt-7.32M21.56M21.68M40.05M26.77M36.15M67.84M74.57M27.07M-72.80M282.21M148.98M24.87M63.23M

Cash Flow

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.39M14.21M2.27M-5.82M-2.11M45.66M-4.57M-15.09M-108.34M59.31M93.93M44.06M-6.31M13.63M
Investing Cash Flow-8.89M-18.30M-21.28M-21.72M-26.64M-50.37M-101.95M-100.18M-340.88M52.48M-628.18M-23.21M419.03M241.86M
Financing Cash Flow6.83M4.98M22.39M26.86M35.58M1.13M111.23M160.26M507.14M-99.09M480.98M23.03M-357.88M-315.52M
Capital Expenditure306.58K140.18K626.12K102.79K2.35M3.20M2.10M1.74M3.01M1.26M455.00K961.00K588.00K1.68M
Free Cash Flow2.08M14.06M1.64M-5.92M-4.45M42.46M-6.67M-16.82M-111.35M58.05M93.48M43.09M-6.90M11.95M
Dividends Paid452.41K527.56K438.43K656.43K708.44K880.44K1.50M2.47M2.44M7.18M9.18M4.64M022.59M
FCF to OCF87.18%99.01%72.37%101.77%211.45%93.00%145.87%111.53%102.78%97.88%99.52%97.82%109.32%87.68%
Dividend Paid to FCF21.70%3.75%26.74%-11.08%-15.91%2.07%-22.52%-14.70%-2.19%12.37%9.82%10.77%0.00%189.14%

Earnings

Report DateMar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Apr 14, 2020Aug 14, 2020Nov 13, 2020Jan 29, 2021Apr 29, 2021Jul 29, 2021Nov 4, 2021Jan 27, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Feb 2, 2023Apr 27, 2023Jul 31, 2023Oct 31, 2023Mar 6, 2024Apr 30, 2024Jul 25, 2024Oct 29, 2024Jan 30, 2025Apr 24, 2025Jul 24, 2025Oct 29, 2025Jan 29, 2026Apr 23, 2026Jul 28, 2026Oct 28, 2026
EPS Estimate0.000.000.000.000.00------0.000.00--------0.000.000.000.000.000.000.00------------------------
EPS Actual0.240.220.260.220.190.180.230.190.160.100.08-0.100.150.310.280.070.280.270.300.230.250.230.190.080.100.121.100.890.980.191.540.360.680.930.060.150.330.09-1.03-2.18-0.30-0.15-0.470.01-0.03-0.010.010.060.050.010.01-
Surprise----------------------------------------------------
Timing--------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap347.99M
Enterprise Value451.01M
Trailing P/E43.11
Forward P/E0.00
PEG Ratio0.00
Price / Sales4.14
Price / Book1.24
EPS0.09
Book Value3.11
Revenue (TTM)83.97M
Gross Profit (TTM)83.97M
Profit Margin11.18%
Operating Margin-7.84%
Return on Equity3.03%
Return on Assets0.39%
Shares Outstanding89.69M
Shares Float63.36M
Beta0.55
Dividend Yield68.18%
Dividend Rate2.40
Payout Ratio6.62%

Dividends

20261×
0.60Apr 13, 2026
20251×
0.25Nov 7, 2025
20232×
0.12Apr 17, 20230.12Jan 20, 2023
20224×
0.12Oct 21, 20220.12Jul 15, 20220.12Apr 14, 20220.12Jan 18, 2022
20214×
0.12Oct 20, 20210.12Jul 23, 20210.10Apr 19, 20210.10Jan 15, 2021
20203×
0.10Oct 21, 20200.10Jul 23, 20200.10Apr 21, 2020
20195×
0.10Dec 5, 20190.10Sep 24, 20190.10Jun 23, 20190.14Jun 21, 20190.10Mar 22, 2019
20184×
0.09Dec 6, 20180.14Dec 5, 20180.09Sep 21, 20180.09Jun 25, 2018

Stock Splits

  • May 3, 20213:2
  • Aug 14, 20173:2