Blue Ridge Bankshares, Inc.

Blue Ridge Bankshares, Inc.

BRBSยทAMEX

$3.24

-1.2%
Financial ServicesBanks - Regional

Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through: Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans; and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, payroll processing, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management, and other insurance products; and wholesale and third-party residential mortgage origination services to other financial institutions and credit unions. It has branches in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.

At a Glance

Live Snapshot
Market Cap$291.31M
EPS0.1100
P/E Ratio29.45
Earnings Date07/22/2026
Blue Ridge Bankshares, Inc.

Blue Ridge Bankshares, Inc. Fair Value Envelope

BRBS ยท AMEX

Our analysis suggests that BRBS has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $3.24, this represents a potential HIDDEN relative to our calculated worth for Blue Ridge Bankshares, Inc..

Intrinsic Value
Current Price: $3.24

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$120.8B
+ Cash & Equivalents$115.9M
Firm Value$120.9B
- Debt$179.2M
Equity Value$120.8B
/ Shares Outstanding91,488,661B
DCF Value$1.3K
UNDERVALUED BY 40641%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$27.3M
$54.5M
$109.0M
$218.0M
$436.0M
$872.0M
$1.7B
$3.5B
$7.0B
$14.0B
Maintenance CapEx
-$671.6K
-$1.3M
-$2.7M
-$5.4M
-$10.7M
-$21.5M
-$43.0M
-$86.0M
-$171.9M
-$343.9M
Owner Earnings
$26.6M
$53.2M
$106.3M
$212.6M
$425.3M
$850.5M
$1.7B
$3.4B
$6.8B
$13.6B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$24.6M
$45.6M
$84.4M
$156.3M
$289.4M
$536.0M
$992.5M
$1.8B
$3.4B
$6.3B
Terminal Value represents 88.7% of Enterprise Value