CoverageForm 410-K10-Q8-K13D13G13F

BRBS · Blue Ridge Bankshares, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · BRBS

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue-----$111.28M
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses-----$88.79M
D&A$1.37M$1.53M$1.70M$1.98M$951.0K$951.0K
Operating Income$13.78M($16.51M)($58.84M)$35.82M$68.18M$22.50M
Interest Expense--$75.95M$17.09M$11.06M$9.95M
Income Tax$3.07M($1.12M)($7.07M)$8.24M$15.70M$4.80M
Net Income$10.71M($15.38M)($51.77M)$27.91M$52.48M$17.70M
EPS - Basic$0.12($0.31)($2.73)$2.94-$2.07
EPS - Diluted$0.11($0.31)($2.73)$2.94-$2.07

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents------
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$2.43B$2.74B$3.12B$3.14B$2.67B$1.50B
Current Liabilities------
Long-term Debt------
Total Liabilities$2.11B$2.41B$2.93B$2.88B$2.39B$1.39B
Stockholders' Equity$323.69M$327.79M$185.99M$259.37M$276.91M$107.97M
Retained Earnings($659.0K)$17.77M$33.16M$108.26M$85.98M$40.69M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$13.63M($6.31M)$44.06M$93.93M$59.31M($108.34M)
Investing Cash Flow$241.86M$419.03M($23.21M)($628.18M)$52.48M($340.88M)
Financing Cash Flow($315.52M)($357.88M)$23.03M$480.98M($99.09M)$507.14M
CapEx$1.68M$588.0K$961.0K$455.0K$1.26M$3.01M
Free Cash Flow$11.95M($6.90M)$43.09M$93.48M$58.05M($111.35M)

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin-----20.2%
EBITDA margin-----21.1%
Net margin-----15.9%
Free cash flow margin------100.1%
FCF / Net income1.120.45-0.833.351.11-6.29
R&D / Revenue------
SG&A / Revenue------
Effective tax rate22.3%--22.8%23.0%21.3%
Return on assets0.4%-0.6%-1.7%0.9%2.0%1.2%
Return on equity3.3%-4.7%-27.8%10.8%19.0%16.4%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage---0.8x2.1x6.2x2.3x
Equity multiplier7.528.3516.7612.119.6213.88
Liabilities / Assets0.870.880.940.920.900.93
Efficiency
Asset turnover-----0.07
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E38.8x--4.2x-5.7x
P / B1.3x0.5x0.3x0.9x1.2x625.7x
P / S-----607.1x
EV / EBITDA27.4x--6.2x4.6x2881.4x
Growth
Revenue growth (YoY)-----124.0%
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)-71.9%--47.5%203.0%303.4%
Net income growth (YoY)-70.3%--46.8%196.5%286.4%
EPS growth (YoY)-88.6%---26.4%
EPS CAGR (3y)-66.6%--21.5%--
EPS CAGR (5y)-44.4%-----
FCF growth (YoY)---53.9%61.0%--586.8%
FCF CAGR (5y)------
Book value growth (YoY)-1.2%76.2%-28.3%-6.3%156.5%17.2%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

Comparing BLUE RIDGE BANKSHARES against the 5 most active filers in the same SIC group.

Dividends

$0.85/share trailing 12 months

Ex-datePer share
Apr 13, 2026$0.6000
Nov 7, 2025$0.2500
Apr 17, 2023$0.1230
Jan 20, 2023$0.1230
Oct 21, 2022$0.1230
Jul 15, 2022$0.1230
Apr 14, 2022$0.1230
Jan 18, 2022$0.1200
Oct 20, 2021$0.1200
Jul 23, 2021$0.1200
Apr 19, 2021$0.1000
Jan 15, 2021$0.0953
Oct 21, 2020$0.0953
Jul 23, 2020$0.0953
Apr 21, 2020$0.0953
Dec 5, 2019$0.0953
Sep 24, 2019$0.0953
Mar 22, 2019$0.0953
Dec 6, 2018$0.0933
Sep 21, 2018$0.0933
Jun 25, 2018$0.0933
Mar 23, 2018$0.0800
Dec 6, 2017$0.0533
Sep 15, 2017$0.0533