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
3Y-85.0%
5Y-113.0%
10Y-747.0%
3Y-139.0%
5Y-171.0%
10Y-1008.0%
3Y-166.0%
5Y-162.0%
10Y-987.0%
BRBS

Blue Ridge Bankshares, Inc. Cash Conversion Engine

BRBS ยท AMEX
Net Income10.71M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-1.99M
Others4.91M
Capital Expenditures-1.68M
Free Cash Flow3.74M

Cash Flow Quality Analysis

FCF Conversion Rate

35.0%

Weak cash conversion. Significant portion of earnings not converting to cashโ€”review working capital trends and capital intensity.

CapEx Intensity

12.3%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+154.3%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$1.99M

Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโ€”monitor closely.

Cash Flow Quality Insight

Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.

Blue Ridge Bankshares, Inc. Cash Flow Statement

BRBS โ€ข AMEX

Blue Ridge Bankshares, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
OPERATING ACTIVITIES
10.7M
-15.4M
-51.8M
17.3M
52.5M
17.7M
4.6M
4.6M
3.4M
688.7K
2.5M
2M
1.8M
1.5M
0.0
2.6M
3M
3.5M
3.8M
1.6M
994K
919.5K
812.3K
372.3K
269.8K
249.9K
199.7K
222.1K
0.0
-6.2M
-7.1M
-20K
1.9M
-1.7M
-85K
-9K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
231K
129K
218.6K
298.6K
134.7K
60K
0.0
0.0
4.9M
37.1M
93.5M
67.5M
-431K
-111.6M
-25.6M
-6.9M
39M
-3.3M
608.7K
310.1K
1.1M
653K
(6.6M)
(0.0)
(6.7M)
(2.1M)
(10.1M)
(2M)
(1M)
(1.4M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-2M
-24.5M
6.4M
5.7M
1.4M
-14.4M
-738K
-3.3M
2.3M
-126.9K
-9.3M
-383.2K
11M
0.0
13.6M
-6.3M
44.1M
93.9M
59.2M
-108.3M
-20.6M
-4.6M
45.7M
-2.1M
-5.8M
2.3M
14.2M
2.4M
INVESTING ACTIVITIES
(0.0)
-588K
-961K
-455K
-1.2M
-3M
-1.1M
-1.5M
-3.2M
-347.2K
-102.8K
-626.1K
-140.2K
-306.6K
(0.0)
(0.0)
(250K)
(0.0)
(44.1M)
(0.0)
-7M
(0.0)
(0.0)
-834.7K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-18.2M
-5.1M
-79.6M
-276.5M
-45.1M
-71.9M
-16.5M
-15.4M
-5.2M
(0.0)
(0.0)
(0.0)
(0.0)
0.0
40.2M
40.8M
32.7M
71.8M
54.8M
47.7M
7.2M
10.6M
6M
0.0
0.0
0.0
0.0
241.9M
397.6M
-58.2M
-580.8M
214.3M
-347.6M
-62.4M
-91.1M
-42.4M
-26.2M
-21.6M
-20.6M
-18.2M
-8.6M
(241.9M)
(419M)
-23.2M
-628.2M
(52.5M)
-340.9M
-94.7M
-102M
-50.4M
-26.6M
-21.7M
-21.3M
-18.3M
-8.9M
FINANCING ACTIVITIES
252K
152.1M
103K
87K
804K
0.0
22.1M
0.0
53.5K
0.0
0.0
0.0
-86.3K
0.0
-25M
-60M
-36.8M
301.7M
-417.7M
5.2M
51.7M
37.1M
3.5M
-10.2M
18.1M
2.8M
6M
0.0
-22.6M
(0.0)
-4.6M
-9.2M
-7.2M
-2.4M
-2.5M
-1.5M
-880.4K
-708.4K
-656.4K
-438.4K
-527.6K
-452.4K
-9.5M
(0.0)
(0.0)
(0.0)
(0.0)
-759K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-86.3K
(0.0)
-268.2M
-450M
64.3M
188.4M
325M
504.4M
88.9M
75.6M
-1.5M
46.5M
9.4M
20M
-384.7K
7.3M
-315.5M
-357.9M
23M
481M
-99.1M
507.1M
160.3M
111.2M
1.1M
35.6M
26.9M
22.4M
5M
6.8M
CASH FLOW SUMMARY
-60M
54.8M
43.9M
-53.3M
12.6M
57.9M
45M
4.7M
-3.8M
6.8M
-676.6K
3.4M
889.7K
327.7K
176M
121.2M
77.3M
130.5M
117.9M
60M
15M
10.3M
14.1M
7.3M
7.9M
4.6M
3.7M
3.3M
115.9M
176M
121.2M
77.3M
130.5M
117.9M
60M
15M
10.3M
14.1M
7.3M
7.9M
4.6M
3.7M
3.7M
-6.9M
43.1M
93.5M
58M
-111.4M
-22.3M
-6.7M
42.5M
-4.5M
-5.9M
1.6M
14.1M
2.1M

SEC Filings

BRBS - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 28, 2026
May 28, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 05, 2026
March 31, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 30, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 20, 2026
April 15, 2026
2026
8-K

8-K 2026

N/A

March 30, 2026
March 28, 2026
2026
8-K

8-K 2026

N/A

March 24, 2026
March 18, 2026
2026
10-K

10-K 2025 FY

FY

March 12, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 12, 2026
March 06, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
Showing 1 to 10 of 173 filings