What is Blue Ridge Bnksh's earnings per share (EPS)?

Blue Ridge Bnksh (BRBS) reported diluted earnings per share of $0.11 for fiscal year 2025. This represents a 135.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Blue Ridge Bnksh Financials

BRBS

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Blue Ridge Bnksh (BRBS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 19/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Blue Ridge Bnksh's revenue declined 14.1% year-over-year, from $160.3M to $137.8M. This contraction results in a growth score of 10/100.

Leverage

Blue Ridge Bnksh has elevated debt relative to equity (D/E of 6.52), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Blue Ridge Bnksh has a free cash flow margin of 8.7%, earning a moderate score of 47/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Blue Ridge Bnksh generates a 3.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 18/100. This is up from -4.7% the prior year.

Piotroski F-Score Neutral

4/9

Blue Ridge Bnksh passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.27x

For every $1 of reported earnings, Blue Ridge Bnksh generates $1.27 in operating cash flow ($13.6M OCF vs $10.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$137.8M

YoY-14.1%

5Y CAGR+4.4%

Blue Ridge Bnksh generated $137.8M in revenue in fiscal year 2025. This represents a decrease of 14.1% from the prior year.

EBITDA

N/A

Net Income

$10.7M

YoY+169.6%

5Y CAGR-9.6%

Blue Ridge Bnksh reported $10.7M in net income in fiscal year 2025. This represents an increase of 169.6% from the prior year.

EPS (Diluted)

$0.11

YoY+135.5%

Blue Ridge Bnksh earned $0.11 per diluted share (EPS) in fiscal year 2025. This represents an increase of 135.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$11.9M

YoY+273.2%

Blue Ridge Bnksh generated $11.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 273.2% from the prior year.

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

91M

YoY+7.7%

Blue Ridge Bnksh had 91M shares outstanding in fiscal year 2025. This represents an increase of 7.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

7.8%

YoY+17.4pp

5Y CAGR-8.1pp

Blue Ridge Bnksh's net profit margin was 7.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 17.4 percentage points from the prior year.

Return on Equity

3.3%

YoY+8.0pp

5Y CAGR-13.1pp

Blue Ridge Bnksh's ROE was 3.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 8.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$9.5M

Blue Ridge Bnksh spent $9.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$1.7M

YoY+185.5%

5Y CAGR-11.0%

Blue Ridge Bnksh invested $1.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 185.5% from the prior year.

BRBS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$137.8M-14.1%	$160.3M-5.1%	$169.0M+38.9%	$121.7M+17.5%	$103.5M-7.0%	$111.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$58.9M-27.9%	$81.7M+7.5%	$76.0M+344.6%	$17.1M+54.4%	$11.1M+11.2%	$9.9M
Income Tax	$3.1M+373.3%	-$1.1M+84.1%	-$7.1M-236.0%	$5.2M-67.0%	$15.7M+225.4%	$4.8M
Net Income	$10.7M+169.6%	-$15.4M+70.3%	-$51.8M-398.7%	$17.3M-67.0%	$52.5M+196.5%	$17.7M
EPS (Diluted)	$0.11+135.5%	$-0.31	$-2.73-396.7%	$0.92-68.7%	$2.94+43.4%	$2.05

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$31.5M-13.1%	$36.2M+4.3%	$34.7M-1.7%	$35.4M-6.8%	$37.9M-3.3%	$39.2M-3.5%	$40.6M-4.5%	$42.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$13.4M-6.6%	$14.3M-4.0%	$14.9M-9.0%	$16.4M-13.0%	$18.8M-6.5%	$20.1M-2.1%	$20.5M-7.4%	$22.2M
Income Tax	$1.1M-39.9%	$1.9M+295.8%	$480K+205.5%	-$455K+34.8%	-$698K-216.5%	$599K+197.2%	-$616K-51.4%	-$407K
Net Income	$4.2M-24.3%	$5.6M+332.3%	$1.3M+398.6%	-$434K+78.3%	-$2.0M-311.7%	$946K+108.3%	-$11.4M-295.3%	-$2.9M
EPS (Diluted)	N/A	$0.06+500.0%	$0.01+200.0%	$-0.01	N/A	$0.01+102.1%	$-0.47	$-0.15

BRBS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.4B-11.1%	$2.7B-12.2%	$3.1B-0.4%	$3.1B+17.5%	$2.7B+77.9%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	$0-100.0%	$26.8M0.0%	$26.8M+36.7%	$19.6M
Total Liabilities	$2.1B-12.5%	$2.4B-17.8%	$2.9B+1.7%	$2.9B+20.7%	$2.4B+71.8%	$1.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$323.7M-1.2%	$327.8M+76.2%	$186.0M-25.2%	$248.8M-10.2%	$276.9M+156.5%	$108.0M
Retained Earnings	-$659K-103.7%	$17.8M-46.4%	$33.2M-66.1%	$97.7M+13.6%	$86.0M+111.3%	$40.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.4B-2.6%	$2.5B-2.3%	$2.6B-4.8%	$2.7B-1.9%	$2.7B-7.0%	$2.9B+0.4%	$2.9B-4.7%	$3.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.1B-1.5%	$2.1B-3.2%	$2.2B-5.8%	$2.3B-2.6%	$2.4B-7.6%	$2.6B0.0%	$2.6B-9.9%	$2.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$323.7M-8.9%	$355.5M+3.3%	$344.3M+1.8%	$338.3M+3.2%	$327.8M-2.5%	$336.3M+3.3%	$325.6M+80.0%	$180.9M
Retained Earnings	-$659K-102.7%	$24.2M+30.1%	$18.6M+7.5%	$17.3M-2.4%	$17.8M-10.1%	$19.8M+5.0%	$18.8M-37.8%	$30.3M

BRBS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$13.6M+315.9%	-$6.3M-114.3%	$44.1M-53.1%	$93.9M+58.6%	$59.2M+154.7%	-$108.3M
Capital Expenditures	$1.7M+185.5%	$588K-38.8%	$961K+111.2%	$455K-62.6%	$1.2M-59.6%	$3.0M
Free Cash Flow	$11.9M+273.2%	-$6.9M-116.0%	$43.1M-53.9%	$93.5M+61.2%	$58.0M+152.1%	-$111.3M
Investing Cash Flow	$241.9M-42.3%	$419.0M+1905.2%	-$23.2M+96.3%	-$628.2M-1296.9%	$52.5M+115.4%	-$340.9M
Financing Cash Flow	-$315.5M+11.8%	-$357.9M-1653.7%	$23.0M-95.2%	$481.0M+585.4%	-$99.1M-119.5%	$507.1M
Dividends Paid	$22.6M	$0-100.0%	$4.6M-49.4%	$9.2M+27.7%	$7.2M+194.9%	$2.4M
Share Buybacks	$9.5M	$0	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$128K-98.0%	$6.4M-39.7%	$10.7M+397.0%	-$3.6M+80.2%	-$18.1M-175.0%	$24.1M+601.2%	-$4.8M+36.0%	-$7.5M
Capital Expenditures	$827K+18.1%	$700K+451.2%	$127K+408.0%	$25K-81.3%	$134K-45.3%	$245K+57.1%	$156K+194.3%	$53K
Free Cash Flow	-$699K-112.2%	$5.7M-45.6%	$10.5M+391.4%	-$3.6M+80.2%	-$18.2M-176.4%	$23.9M+580.5%	-$5.0M+34.3%	-$7.6M
Investing Cash Flow	$64.0M+16.4%	$55.0M-30.8%	$79.6M+83.9%	$43.3M-62.1%	$114.0M-7.9%	$123.7M-9.5%	$136.6M+205.5%	$44.7M
Financing Cash Flow	-$69.2M+3.3%	-$71.6M+45.6%	-$131.6M-206.0%	-$43.0M+79.1%	-$205.7M-2844.3%	$7.5M+105.8%	-$129.5M-329.3%	-$30.2M
Dividends Paid	N/A	N/A	N/A	N/A	$0	$0	$0	$0
Share Buybacks	$6.7M	N/A	N/A	N/A	$0	N/A	N/A	N/A

BRBS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	7.8%+17.4pp	-9.6%+21.0pp	-30.6%-44.9pp	14.2%-36.4pp	50.7%+34.8pp	15.9%
Return on Equity	3.3%+8.0pp	-4.7%+23.1pp	-27.8%-34.8pp	7.0%-12.0pp	18.9%+2.6pp	16.4%
Return on Assets	0.4%+1.0pp	-0.6%+1.1pp	-1.7%-2.2pp	0.5%-1.4pp	2.0%+0.8pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.52-0.8	7.35-8.4	15.76+4.2	11.58+3.0	8.62-4.3	12.87
FCF Margin	8.7%+13.0pp	-4.3%-29.8pp	25.5%-51.3pp	76.8%+20.8pp	56.0%+156.1pp	-100.1%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	13.5%-2.0pp	15.5%+11.7pp	3.7%+5.0pp	-1.2%+4.0pp	-5.3%-7.7pp	2.4%+30.6pp	-28.1%-21.3pp	-6.8%
Return on Equity	1.3%-0.3pp	1.6%+1.2pp	0.4%+0.5pp	-0.1%+0.5pp	-0.6%-0.9pp	0.3%+3.8pp	-3.5%-1.9pp	-1.6%
Return on Assets	0.2%-0.1pp	0.2%+0.2pp	0.1%+0.1pp	-0.0%+0.1pp	-0.1%-0.1pp	0.0%+0.4pp	-0.4%-0.3pp	-0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.52+0.5	6.02-0.4	6.42-0.5	6.94-0.4	7.35-0.4	7.75-0.3	8.01-8.0	16.00
FCF Margin	-2.2%-18.0pp	15.8%-14.5pp	30.3%+40.5pp	-10.2%+37.9pp	-48.1%-109.0pp	60.9%+73.1pp	-12.2%+5.6pp	-17.8%

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Frequently Asked Questions

What is Blue Ridge Bnksh's annual revenue?

Blue Ridge Bnksh (BRBS) reported $137.8M in total revenue for fiscal year 2025. This represents a -14.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Blue Ridge Bnksh's revenue growing?

Blue Ridge Bnksh (BRBS) revenue declined by 14.1% year-over-year, from $160.3M to $137.8M in fiscal year 2025.

Is Blue Ridge Bnksh profitable?

Yes, Blue Ridge Bnksh (BRBS) reported a net income of $10.7M in fiscal year 2025, with a net profit margin of 7.8%.

What is Blue Ridge Bnksh's net profit margin?

Blue Ridge Bnksh (BRBS) had a net profit margin of 7.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Blue Ridge Bnksh's return on equity (ROE)?

Blue Ridge Bnksh (BRBS) has a return on equity of 3.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Blue Ridge Bnksh's free cash flow?

Blue Ridge Bnksh (BRBS) generated $11.9M in free cash flow during fiscal year 2025. This represents a 273.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Blue Ridge Bnksh's operating cash flow?

Blue Ridge Bnksh (BRBS) generated $13.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Blue Ridge Bnksh's total assets?

Blue Ridge Bnksh (BRBS) had $2.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Blue Ridge Bnksh's capital expenditures?

Blue Ridge Bnksh (BRBS) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Blue Ridge Bnksh buy back shares?

Yes, Blue Ridge Bnksh (BRBS) spent $9.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Blue Ridge Bnksh have outstanding?

Blue Ridge Bnksh (BRBS) had 91M shares outstanding as of fiscal year 2025.

What is Blue Ridge Bnksh's debt-to-equity ratio?

Blue Ridge Bnksh (BRBS) had a debt-to-equity ratio of 6.52 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Blue Ridge Bnksh's return on assets (ROA)?

Blue Ridge Bnksh (BRBS) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Blue Ridge Bnksh's Piotroski F-Score?

Blue Ridge Bnksh (BRBS) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Blue Ridge Bnksh's earnings high quality?

Blue Ridge Bnksh (BRBS) has an earnings quality ratio of 1.27x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Blue Ridge Bnksh?

Blue Ridge Bnksh (BRBS) scores 19 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.