Blue Ridge Bankshares Inc. Common Stock (BRBS)

FairStock Score: 38/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a student of Buffett and Graham, I begin with the bank's earnings record, because banks live on trust and credit discipline. Blue Ridge Bankshares is a small regional bank with 269 employees and a $346.2M market cap. The filed record is not stable: in FY2023 it lost $51.8M, or $2.73 per diluted share; in FY2024 it lost $15.4M, or $0.31 per share; in FY2025 it earned $10.7M, or $0.11 per share. That looks like the Lynch-style TURNAROUND FairStock labels it, but the latest quarter ended 2026-06-30 showed a net loss of $1.3M and diluted EPS of -$0.01, after Q1 2026 net income of $836,000 and Q3 2025 net income of $5.6M. The recovery is not yet durable. Quality is mediocre. FairStock calculates ROE of 3.03% and ROCE of 0.39%, far below what I want from a bank compounding book value. The P/B of 1.24 at the 2026-10-13 close of $3.86 is not a deep discount, and the P/E of 42.89 rests on trailing EPS of $0.09, so the market is already paying up for a hoped-for recovery. The Piotroski F-Score of 3/9 and FairStock Score of 38/100 suggest weak financial momentum. A beta of 0.57 and no dividend offer little excitement. I cannot judge the most important bank-specific risks because CET1 ratio, net interest margin, credit costs, nonperforming loans, and reserve coverage are not in the data; a combined ratio is also absent, though it is an insurer measure. Without those, I see a thin-margin, commodity-like regional bank with limited moat. Price is not absurd, but neither is it a Graham bargain. Consistent profits and stronger returns would be needed before this sound.

In plain English: Blue Ridge Bankshares is a small regional bank operating through Blue Ridge Bank. It lost a lot of money in 2023 and 2024, made a small profit in 2025, and slipped back to a small loss in the latest quarter. At $3.86, the price does not look like a clear bargain given the weak and uneven profits, though it is not wildly expensive compared with the value of its net assets.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer