Stocks · Financial Services · Banks - Regional
Blue Ridge Bankshares, Inc. BRBS
$3.93 +1.55% Close, Oct 2, 2026 · AMEX · Market cap $353.4M
High risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $0.11, up 920.2% year over year.
- Operating margin widened to 10.1% from -0.2% a year earlier.
- Net debt is 7.3× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 9%
- EPS growth (TTM, YoY)Top 1%
- FCF growth (TTM, YoY)Top 23%
- Revenue growth, 3-year CAGRBottom 5%
- Revenue growth accelerationBottom 31%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 42%
- Gross marginBottom 43%
- Operating marginBottom 22%
- Cash conversion (OCF / net income)Top 17%
- Accruals (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Bottom 17%
- Interest coverBottom 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 30%
- Free-cash-flow yieldBottom 40%
- EBITDA / enterprise valueBottom 32%
- Sales / enterprise valueBottom 47%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 19%
- 6-month returnBottom 14%
- 1-year return vs S&P 500Bottom 24%
- Distance from 52-week highBottom 28%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 35%
- Maximum drawdown, 3 yearsBottom 12%
- Beta vs S&P 500 (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Bottom 17%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -11.1% | -14.1% | ↓ |
| Gross margin | 60.8% | 62.5% | ↑ |
| Operating margin | -0.2% | 10.1% | ↑ |
| FCF margin | 7.9% | 16.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -14.1% | -11.1% | ↓ | Bottom 9% |
| EPS growth (TTM, YoY) | 920.2% | — | Top 1% | |
| Gross margin | 62.5% | 60.8% | ↑ | Bottom 43% |
| Operating margin | 10.1% | -0.2% | ↑ | Bottom 22% |
| Net margin | 7.7% | -0.1% | ↑ | — |
| Free-cash-flow margin | 16.0% | 7.9% | ↑ | — |
| Return on invested capital | 2.4% | — | Top 42% | |
| Revenue growth, 3-year CAGR | -3.9% | — | Bottom 5% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.23×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +0.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 7.26×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 21.44%
- Net buyback yield (TTM)
- 2.51%
- Shareholder yield
- 23.95%
- Share count change, 1 year
- +2.9%
- Share count change, 3-year CAGR
- +67.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | — | +2.6% | +3.2% | +12.6% | — |
| Apr 23, 2026 | — | +0.0% | -2.6% | -6.5% | +0.0% |
| Jan 29, 2026 | — | +1.9% | +1.9% | -1.4% | -16.4% |
| Oct 22, 2025 | — | +0.9% | +2.1% | -4.7% | +0.2% |
| Jul 23, 2025 | — | +0.0% | -7.3% | -7.8% | +10.1% |
| Apr 24, 2025 | — | +2.4% | +2.4% | +3.0% | +17.3% |
| Jan 30, 2025 | — | -0.6% | +3.8% | +6.2% | +4.7% |
| Oct 29, 2024 | — | +1.0% | -6.1% | +21.2% | +15.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | -$0.00 | — | — | $30.6M |
| Apr 23, 2026 | $0.02 | — | — | $31.7M |
| Jan 29, 2026 | $0.04 | — | — | $34.2M |
| Oct 22, 2025 | $0.06 | — | — | $36.2M |
| Jul 23, 2025 | $0.01 | — | — | $34.7M |
| Apr 24, 2025 | -$0.01 | — | — | $38.5M |
| Jan 30, 2025 | -$0.03 | — | — | $21.8M |
| Oct 29, 2024 | $0.01 | — | — | $21.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 37.0× | 9.1× | 86th | Bottom 30% |
| EV / EBITDA | 30.6× | — | — | Bottom 32% |
| EV / Sales | 3.39× | — | — | Bottom 47% |
| Free-cash-flow yield | 6.17% | — | — | Bottom 40% |
| Earnings yield | 2.70% | — | — | Bottom 30% |
P/E over the past five years
Range 2.0× – 342.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -8.0%
- Earnings per share growth (TTM)
- +920.2%
- Change in P/E multiple
- -89.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 73
- Days above the 200-day average
- 3
- 50-day average slope (20 days)
- +4.9%
- 200-day average slope (20 days)
- -0.9%
- Distance from 50-day average
- +2.4%
- Distance from 200-day average
- +2.5%
- RSI (14)
- 54.3
- Relative volume
- 1.00×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.6%
- Volatility vs own 5-year history
- 31th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.73
- Correlation with S&P 500
- 0.34
- Current drawdown from 1-year high
- -16.2%
- Maximum drawdown, 3 years
- -58.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 18, 2021 | Nov 1, 2023 | -88.9% | 513 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $353.4M
- P/E (TTM)
- 37.0
- EPS, diluted (TTM)
- $0.11
- Revenue (TTM)
- $136.6M
- Dividend yield
- 21.63%
- 52-week range
- $3.23 – $4.79
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $190.5M | $169.7M | $197.4M | $173.9M | $150.6M |
| Gross profit | $179.4M | $127.0M | $99.1M | $97.3M | $95.7M |
| Operating income | $68.4M | $22.2M | -$58.8M | -$16.5M | $13.8M |
| Net income | $52.5M | $17.3M | -$51.8M | -$15.4M | $10.7M |
| EPS (diluted) | $2.94 | $0.90 | -$2.73 | -$0.31 | $0.11 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $41.9M | $40.6M | $38.4M | $38.0M | $40.0M | $34.2M | $31.7M | $30.6M |
| Net income | $946,000 | -$2.0M | -$434,000 | $1.3M | $5.6M | $4.2M | $836,000 | -$203,000 |
| EPS (diluted) | $0.03 | -$0.03 | -$0.01 | $0.02 | $0.06 | $0.04 | $0.01 | -$0.00 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $59.2M | $93.9M | $44.1M | -$6.3M | $13.6M |
| Capital expenditure | -$1.2M | -$455,000 | -$961,000 | -$588,000 | -$1.7M |
| Free cash flow | $58.0M | $93.5M | $43.1M | -$6.9M | $11.9M |
| Dividends paid | -$7.2M | -$9.2M | -$4.6M | $0 | -$22.6M |
| Net share buybacks | $804,000 | $87,000 | $103,000 | $152.1M | $252,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $378.7M
- Total assets
- $2.33B
- Total liabilities
- $2.05B
- Total debt
- $171.3M
- Net debt
- $109.6M
- Shareholders’ equity
- $276.5M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Apr 13, 2026 | $0.60 | Apr 27, 2026 |
| Nov 7, 2025 | $0.25 | Nov 21, 2025 |
| Apr 17, 2023 | $0.12 | Apr 28, 2023 |
| Jan 20, 2023 | $0.12 | Jan 31, 2023 |
| Oct 21, 2022 | $0.12 | Oct 31, 2022 |
| Jul 15, 2022 | $0.12 | Jul 29, 2022 |
| Apr 14, 2022 | $0.12 | Apr 29, 2022 |
| Jan 18, 2022 | $0.12 | Jan 31, 2022 |
Short interest
- Shares sold short
- 1,964,138
- Days to cover
- 1.25
- Change vs previous report
- +7.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 3, 2021
- 3-for-2
- Aug 14, 2017
- 3-for-2