📊 BRBS Key Takeaways
Investment Thesis
Blue Ridge Bankshares demonstrates solid revenue growth (+74.7% YoY) and positive free cash flow generation, but profitability metrics are concerningly weak with extremely low ROE (3.3%), ROA (0.4%), and critically inadequate interest coverage (0.3x). The combination of strong top-line growth with deteriorating return on capital and questionable debt servicing ability suggests operational challenges that offset growth benefits.
BRBS Strengths
- Strong revenue growth of 74.7% year-over-year indicates expanding business operations
- Positive free cash flow of $11.9M with 8.7% FCF margin shows operational cash generation capability
- Conservative leverage with 0.08x debt-to-equity ratio provides financial flexibility
- Positive net income growth trajectory with EPS nearly doubling YoY
BRBS Risks
- Severely inadequate interest coverage ratio of 0.3x indicates significant debt servicing concerns and potential covenant risks
- Extremely low return metrics (ROE 3.3%, ROA 0.4%) suggest poor capital efficiency and operational profitability problems
- Net margin of 7.8% is thin for a bank, indicating compressed lending margins or high operating costs
- Zero insider purchases in last 90 days may signal lack of management confidence in fundamentals
- Asset base of $2.4B with liabilities of $2.1B creates vulnerability to credit deterioration
Key Metrics to Watch
- Interest coverage ratio - must improve significantly above 1.0x to indicate sustainable debt service
- Return on equity and return on assets - track if management can improve capital efficiency
- Net interest margin - critical for bank profitability and underlying lending health
- Loan loss reserves and non-performing asset ratios - key indicators of credit quality
BRBS Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BRBS Profitability Ratios
BRBS vs Finance Sector
How BLUE RIDGE BANKSHARES, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BRBS Balance Sheet & Liquidity
BRBS 5-Year Financial Trend
5-Year Trend Summary: BLUE RIDGE BANKSHARES, INC.'s revenue has grown significantly by 124% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.31 indicates the company is currently unprofitable.
BRBS Growth Metrics (YoY)
BRBS Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2021 | $32.1M | $5.1M | N/A |
| Q2 2021 | $29.5M | $3.5M | $0.73 |
| Q1 2021 | $15.3M | $832.0K | N/A |
| Q3 2020 | $519.0K | $1.3M | $0.29 |
| Q2 2020 | $540.0K | $1.5M | $0.35 |
| Q1 2020 | $550.0K | $832.0K | $0.15 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BRBS Capital Allocation
BRBS SEC Filings
Access official SEC EDGAR filings for BLUE RIDGE BANKSHARES, INC. (CIK: 0000842717)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BRBS
What is the AI rating for BRBS?
BLUE RIDGE BANKSHARES, INC. (BRBS) has an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BRBS's key strengths?
Strong revenue growth of 74.7% year-over-year indicates expanding business operations. Positive free cash flow of $11.9M with 8.7% FCF margin shows operational cash generation capability.
What are the risks of investing in BRBS?
Severely inadequate interest coverage ratio of 0.3x indicates significant debt servicing concerns and potential covenant risks. Extremely low return metrics (ROE 3.3%, ROA 0.4%) suggest poor capital efficiency and operational profitability problems.
What is BRBS's revenue and growth?
BLUE RIDGE BANKSHARES, INC. reported revenue of $137.8M.
Does BRBS pay dividends?
BLUE RIDGE BANKSHARES, INC. pays dividends, with $22.6M distributed to shareholders in the trailing twelve months.
Where can I find BRBS SEC filings?
Official SEC filings for BLUE RIDGE BANKSHARES, INC. (CIK: 0000842717) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BRBS's EPS?
BLUE RIDGE BANKSHARES, INC. has a diluted EPS of $0.11.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.