NYSEAMERICAN : BRBS
Blue Ridge Bankshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 3.93 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 348.18M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 105.09M | 121.41M | 142.34M | 152.94M | 111.00M | 97.93M |
| Interest Income on Investments | 13.98M | 16.36M | 17.98M | 16.05M | 10.65M | 5.61M |
| Total Interest Income | 119.07M | 137.77M | 160.32M | 169.00M | 121.65M | 103.55M |
| Interest Paid on Deposits | 43.14M | 51.09M | 69.07M | 59.97M | 11.26M | 6.44M |
| Interest Paid on Borrowings | 6.96M | 7.82M | 12.59M | 15.98M | 5.83M | 4.63M |
| Total Interest Expense | 50.10M | 58.91M | 81.66M | 75.95M | 17.09M | 11.06M |
| Net Interest Income | 68.97M | 78.86M | 78.66M | 93.04M | 104.57M | 92.48M |
| Trust Income | 2.07M | 1.88M | 2.43M | 1.84M | 1.77M | 2.37M |
| Mortgage Banking Activities | 475.00K | 475.00K | 10.38M | 10.00M | 20.65M | 37.02M |
| Gain (Loss) on Sale of Assets | 488.00K | 1.43M | -3.61M | -553.00K | ||
| Gain (Loss) on Sale of Investments | -112.00K | -112.00K | -8.22M | -2.40M | 9.31M | 7.32M |
| Other Non-Interest Income | 3.86M | 6.59M | 11.06M | 12.52M | 10.35M | 12.49M |
| Total Non-Interest Income | 9.40M | 12.84M | 13.57M | 28.38M | 48.09M | 86.99M |
| Revenues Before Loan Losses | 78.37M | 91.70M | 92.23M | 121.42M | 152.66M | 179.47M |
| Provision for Loan Losses | 10.40M | -4.00M | -5.10M | 22.32M | 25.69M | 117.00K |
| Revenue | 67.97M | 95.70M | 97.33M | 99.09M | 126.97M | 179.35M |
| Salaries and Employee Benefits | 34.24M | 43.27M | 56.96M | 56.46M | 54.44M | 60.15M |
| Occupancy Expenses | 3.03M | 3.36M | 3.82M | 4.10M | 3.42M | 4.03M |
| Federal Deposit Insurance | 1.40M | 2.78M | 5.46M | 5.06M | 1.34M | 1.01M |
| Amortization of Goodwill & Intangibles | 787.00K | 914.00K | 1.08M | 1.29M | 1.52M | 1.67M |
| Selling, General & Administrative | 18.35M | 21.10M | 25.56M | 30.54M | 21.38M | 17.54M |
| Other Non-Interest Expense | 8.46M | 10.48M | 20.95M | 27.65M | 22.62M | 14.71M |
| Total Non-Interest Expense | 66.27M | 81.92M | 113.84M | 125.11M | 104.73M | 99.12M |
| EBT Excluding Unusual Items | 1.70M | 13.78M | -16.51M | -26.02M | 22.25M | 80.23M |
| Legal Settlements | -6.00M | |||||
| Pretax Income | 546.00K | 13.78M | -16.51M | -58.84M | 22.20M | 68.36M |
| Income Tax Expense | 925.00K | 3.07M | -1.12M | -7.07M | 5.20M | 15.74M |
| Earnings From Continuing Operations | -379.00K | 10.71M | -15.38M | -51.77M | 17.00M | 52.62M |
| Earnings From Discontinued Operations | 336.00K | -147.00K | ||||
| Net Income | -379.00K | 10.71M | -15.38M | -51.77M | 17.33M | 52.48M |
| Net Income to Common | -379.00K | 10.71M | -15.38M | -51.77M | 17.33M | 52.48M |
| Basic Shares Outstanding | 87.80M | 87.72M | 49.12M | 18.94M | 18.81M | 17.84M |
| Diluted Shares Outstanding | 87.80M | 97.26M | 49.12M | 18.94M | 18.82M | 17.85M |
| EPS (Basic) | -0.00 | 0.12 | -0.31 | -2.73 | 0.92 | 2.94 |
| EPS (Diluted) | -0.00 | 0.11 | -0.31 | -2.73 | 0.92 | 2.94 |
| Dividend Per Share | 0.12 | 0.49 | 0.46 | |||
| Effective Tax Rate | 169.41% | 22.26% | 23.42% | 23.02% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 60.50M | 117.80M | 174.37M | 114.94M | 78.70M | 174.45M |
| Investment Securities | 318.52M | 174.43M | 172.94M | 186.48M | 206.45M | 181.29M |
| Trading Asset Securities | 613.00K | 235.00K | 406.00K | 207.00K | 2.08M | |
| Mortgage-Backed Securities | 185.09M | 164.44M | 176.97M | 196.34M | 219.11M | |
| Total Investments | 318.52M | 360.13M | 337.61M | 363.86M | 403.00M | 402.47M |
| Gross Loans | 1.89B | 1.87B | 2.11B | 2.43B | 2.41B | 1.81B |
| Allowance for Loan Losses | -19.72M | -19.44M | -23.02M | -35.89M | -30.74M | -12.12M |
| Other Adjustments to Gross Loans | -1.64M | -906.00K | ||||
| Net Loans | 1.87B | 1.85B | 2.09B | 2.40B | 2.38B | 1.80B |
| Property, Plant & Equipment | 26.98M | 28.19M | 29.36M | 31.09M | 30.05M | 32.94M |
| Goodwill | 26.83M | 26.83M | ||||
| Other Intangible Assets | 1.95M | 2.64M | 3.86M | 5.38M | 6.58M | 7.59M |
| Loans Held for Sale | 14.77M | 30.98M | 46.34M | 69.53M | 121.94M | |
| Accrued Interest Receivable | 10.60M | 10.79M | 12.54M | 14.97M | 11.57M | 9.57M |
| Restricted Cash | 2.46M | 10.66M | ||||
| Other Current Assets | 1.30M | |||||
| Long-Term Deferred Tax Assets | 24.00M | 22.72M | 27.31M | 21.56M | 12.23M | 150.00K |
| Other Real Estate Owned & Foreclosed | 1.70M | 1.68M | 279.00K | 195.00K | 157.00K | |
| Other Long-Term Assets | 31.97M | 18.50M | 20.33M | 101.41M | 96.76M | 90.57M |
| Total Assets | 2.34B | 2.43B | 2.74B | 3.12B | 3.13B | 2.67B |
| Interest Bearing Deposits | 1.43B | 1.36B | 1.56B | 1.96B | 1.79B | 1.47B |
| Institutional Deposits | 155.31M | 164.03M | 96.26M | 75.84M | 144.84M | |
| Non-Interest Bearing Deposits | 388.16M | 398.54M | 452.69M | 506.25M | 640.10M | 685.80M |
| Total Deposits | 1.81B | 1.91B | 2.18B | 2.57B | 2.50B | 2.30B |
| Short-Term Borrowings | 654.00K | 95.00K | 60.21M | 119.00K | 274.00K | |
| Current Portion of Long-Term Debt | 65.00M | 311.70M | 10.11M | |||
| Current Portion of Leases | 1.49M | |||||
| Other Current Liabilities | 37.00K | |||||
| Long-Term Debt | 14.72M | 39.79M | 39.85M | 39.97M | 57.89M | |
| Federal Home Loan Bank Debt, Long-Term | 236.00M | 150.00M | 150.00M | 150.00M | ||
| Long-Term Leases | 6.30M | 5.75M | 8.61M | 9.62M | 7.86M | 7.65M |
| Other Long-Term Liabilities | 19.01M | 25.13M | 31.53M | 40.85M | 19.52M | 14.27M |
| Total Liabilities | 2.08B | 2.11B | 2.41B | 2.93B | 2.88B | 2.39B |
| Common Stock | 332.60M | 331.92M | 322.79M | 197.64M | 195.96M | 194.31M |
| Additional Paid-In Capital | 23.55M | 23.55M | 29.69M | 252.00K | 252.00K | 252.00K |
| Retained Earnings | -52.90M | -659.00K | 17.77M | 33.16M | 97.68M | 85.98M |
| Comprehensive Income & Other | -35.66M | -31.12M | -42.46M | -45.06M | -45.10M | -3.63M |
| Total Common Equity | 267.59M | 323.69M | 327.79M | 185.99M | 248.79M | 276.91M |
| Minority Interest | 228.00K | |||||
| Shareholders' Equity | 267.59M | 323.69M | 327.79M | 185.99M | 248.79M | 277.14M |
| Total Liabilities & Equity | 2.34B | 2.43B | 2.74B | 3.12B | 3.13B | 2.67B |
| Total Debt | 242.30M | 172.60M | 198.50M | 324.69M | 359.65M | 75.92M |
| Net Cash (Debt) | -181.80M | -54.19M | -23.89M | -209.34M | -280.74M | 100.60M |
| Net Cash Per Share | -2.07 | -0.56 | -0.49 | -11.05 | -14.91 | 5.64 |
| Filing Date Shares Outstanding | 88.59M | 87.89M | 87.79M | 19.20M | 18.95M | 18.77M |
| Total Common Shares Outstanding | 88.59M | 88.02M | 84.97M | 19.20M | 18.95M | 18.77M |
| Book Value Per Share | 3.02 | 3.68 | 3.86 | 9.69 | 13.13 | 14.75 |
| Tangible Book Value | 265.64M | 321.05M | 323.93M | 180.61M | 215.38M | 242.49M |
| Tangible Book Value Per Share | 3.00 | 3.65 | 3.81 | 9.41 | 11.37 | 12.92 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 10.71M | -15.38M | -51.77M | 17.00M | 52.62M | |
| Depreciation & Amortization | 2.28M | 2.62M | 2.94M | 3.41M | 3.68M | |
| Other Amortization | 15.00K | 34.00K | 87.00K | 131.00K | 343.00K | |
| Gain (Loss) on Sale of Assets | -1.14M | 3.65M | 530.00K | -263.00K | 110.00K | |
| Gain (Loss) on Sale of Investments | 317.00K | 8.73M | 3.05M | -7.97M | -5.31M | |
| Total Asset Writedown | 26.83M | 75.00K | ||||
| Provision for Credit Losses | -4.00M | -5.10M | 19.71M | 18.30M | -1.89M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 8.20M | 35.45M | 48.94M | 71.67M | 56.23M | |
| Accrued Interest Receivable | 1.75M | 2.43M | -3.40M | -2.00M | -4.14M | |
| Change in Other Net Operating Assets | -3.74M | -26.99M | 9.83M | 6.30M | 4.64M | |
| Other Operating Activities | -230.00K | -9.22M | -4.88M | -3.51M | -1.62M | |
| Net Cash from Discontinued Operations | 55.00K | 220.00K | ||||
| Operating Cash Flow | 13.62M | -6.31M | 44.06M | 93.93M | 59.21M | |
| Capital Expenditures | -1.68M | -588.00K | -961.00K | -455.00K | -1.22M | |
| Sale of Property, Plant and Equipment | 1.53M | 37.53M | 1.02M | 2.21M | 547.00K | |
| Cash Acquisitions | 44.07M | |||||
| Investment in Securities | -7.96M | 8.74M | 35.70M | -46.92M | -204.71M | |
| Divestitures | 250.00K | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 249.72M | 321.80M | -60.54M | -613.36M | 264.05M | |
| Other Investing Activities | 241.00K | 51.56M | 1.33M | 30.27M | -50.59M | |
| Investing Cash Flow | 241.86M | 419.03M | -23.21M | -628.18M | 52.48M | |
| Long-Term Debt Issued | 726.00M | 2.00B | 822.90M | 1.16B | ||
| Long-Term Debt Repaid | -25.00M | -851.00M | -2.04B | -539.05M | -1.57B | |
| Net Debt Issued (Repaid) | -25.00M | -125.00M | -36.75M | 283.85M | -417.71M | |
| Issuance of Common Stock | 9.76M | 153.41M | 103.00K | 87.00K | 804.00K | |
| Repurchase of Common Stock | -9.51M | |||||
| Common Dividends Paid | -22.59M | -4.64M | -9.18M | -7.18M | ||
| Total Dividends Paid | -22.59M | -4.64M | -9.18M | -7.18M | ||
| Net Increase (Decrease) in Deposit Accounts | -268.18M | -386.29M | 64.32M | 206.22M | 325.00M | |
| Financing Cash Flow | -315.52M | -357.88M | 23.03M | 480.98M | -99.09M | |
| Net Cash Flow | -60.04M | 54.84M | 43.88M | -53.27M | 12.60M | |
| Free Cash Flow | 11.95M | -6.90M | 43.09M | 93.48M | 58.00M | |
| Free Cash Flow Margin | 12.48% | -7.09% | 43.49% | 73.62% | 32.34% | |
| Free Cash Flow Per Share | 0.12 | -0.14 | 2.27 | 4.97 | 3.25 | |
| Cash Interest Paid | 61.14M | 83.53M | 67.87M | 16.01M | 11.58M | |
| Cash Income Tax Paid | 6.58M | 6.66M | 2.08M | 10.13M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 348.18M | 375.88M | 271.91M | 58.15M | 236.64M | 336.07M |
| Last Close Price | 3.93 | 3.66 | 2.61 | 2.46 | 9.90 | 13.72 |
| PE Ratio | 35.10 | 13.65 | 6.40 | |||
| PS Ratio | 5.12 | 3.93 | 2.79 | 0.59 | 1.86 | 1.87 |
| PB Ratio | 1.30 | 1.16 | 0.83 | 0.31 | 0.95 | 1.21 |
| P/FCF Ratio | 16.49 | 31.46 | 1.35 | 2.53 | 5.79 | |
| P/OCF Ratio | 14.93 | 27.59 | 1.32 | 2.52 | 5.68 | |
| Debt / Equity Ratio | 0.91 | 0.53 | 0.61 | 1.75 | 1.45 | 0.27 |
| Debt / FCF Ratio | 14.45 | 7.53 | 3.85 | 1.31 | ||
| Net Debt / Equity Ratio | 0.68 | 0.17 | 0.07 | 1.13 | 1.13 | -0.36 |
| Net Debt / FCF Ratio | 4.54 | -3.46 | 4.86 | 3.00 | -1.74 | |
| Return on Equity (ROE) | -0.12% | 3.29% | -5.99% | -23.82% | 6.46% | 27.31% |
| Return on Assets (ROA) | -0.02% | 0.41% | -0.53% | -1.66% | 0.59% | 2.53% |
| Earnings Yield | -0.11% | 2.85% | -5.66% | -89.03% | 7.32% | 15.62% |
| FCF Yield | 6.06% | 3.18% | -2.54% | 74.11% | 39.50% | 17.26% |
| Dividend Yield | 21.63% | 4.04% | 3.92% | 2.57% | ||
| Payout Ratio | 210.99% | 52.93% | 13.69% | |||
| Buyback Yield / Dilution | 4.79% | -97.98% | -159.37% | -0.61% | -5.46% | -109.13% |
| Total Shareholder Return | 26.42% | -97.98% | -159.37% | 3.43% | -1.53% | -106.56% |