Blue Ridge Bnksh Financials
Blue Ridge Bnksh (BRBS) reported $137.8M in revenue for fiscal year 2025, down 14.1% from the prior fiscal year. This page shows its 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).
Balance-sheet repair dominates the recent story, with a smaller asset base, lower leverage, and profits only gradually returning.
Between FY2023 and FY2025, total equity climbed from$186M to$324M while retained earnings slid from$33.2M to-$659K and shares outstanding expanded from 19.2M to 91.5M. That combination means the bank's stronger capital position came mainly from new equity capital, not from accumulated profits, which helps explain why leverage fell from 15.8x to 6.5x even though ROA in FY2025 was only0.4% .
FY2025 operating cash flow of
The franchise is operating on a smaller balance sheet, with assets down from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Blue Ridge Bnksh's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Blue Ridge Bnksh passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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.
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
Earnings & Revenue
Blue Ridge Bnksh generated $137.8M in revenue in fiscal year 2025. This represents a decrease of 14.1% from the prior year.
Blue Ridge Bnksh reported $10.7M in net income in fiscal year 2025. This represents an increase of 169.5% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Blue Ridge Bnksh spent $9.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
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.
Not reported for fiscal year 2025.
BRBS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $125.9M | $137.8M-14.1% | $160.3M-5.1% | $169.0M+38.9% | $121.7M+17.5% | $103.5M-7.0% | $111.3M+124.0% | $49.7M+52.6% | $32.6M |
| SG&A Expenses | $40.6M | $46.2M-20.6% | $58.2M0.0% | $58.2M+3.8% | $56.0M-8.9% | $61.5M+36.7% | $45.0M+132.7% | $19.3M+63.2% | $11.8M |
| Interest Expense | $52.4M | $58.9M-27.9% | $81.7M+7.5% | $76.0M+344.6% | $17.1M+54.4% | $11.1M+11.2% | $9.9M+4.5% | $9.5M+84.8% | $5.2M |
| Income Tax | $3.0M | $3.1M+373.3% | -$1.1M+84.1% | -$7.1M-236.0% | $5.2M-67.0% | $15.7M+225.4% | $4.8M+397.1% | $973K-15.2% | $1.1M |
| Net Income | $9.4M | $10.7M+169.5% | -$15.4M+70.3% | -$51.8M-398.7% | $17.3M-67.0% | $52.5M+196.5% | $17.7M+286.4% | $4.6M+0.4% | $4.6M |
| EPS (Diluted) | — | $0.11 | -$0.31 | -$2.73-396.7% | $0.92-68.7% | $2.94 | $2.05 | $1.10-32.9% | $1.64 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BRBS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.4B-11.1% | $2.7B-12.2% | $3.1B-0.4% | $3.1B+17.5% | $2.7B+77.9% | $1.5B+55.9% | $960.8M+78.1% | $539.6M |
| Goodwill | N/A | N/A | $0-100.0% | $26.8M0.0% | $26.8M+36.7% | $19.6M-1.5% | $19.9M+639.2% | $2.7M |
| Total Liabilities | $2.1B-12.5% | $2.4B-17.8% | $2.9B+1.7% | $2.9B+20.7% | $2.4B+71.8% | $1.4B+60.1% | $868.5M+73.7% | $500.0M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | $9.8M+0.3% | $9.8M |
| Total Equity | $323.7M-1.2% | $327.8M+76.2% | $186.0M-25.2% | $248.8M-10.2% | $276.9M+156.5% | $108.0M+17.2% | $92.1M+133.7% | $39.4M |
| Retained Earnings | -$659K-103.7% | $17.8M-46.4% | $33.2M-66.1% | $97.7M+13.6% | $86.0M+111.3% | $40.7M+60.0% | $25.4M+9.0% | $23.3M |
Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Inventory, Accounts Receivable, Current Liabilities.
BRBS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $23.3M | $13.6M+315.9% | -$6.3M-114.3% | $44.1M-53.1% | $93.9M+58.6% | $59.2M+154.7% | -$108.3M-426.4% | -$20.6M-350.5% | -$4.6M |
| Capital Expenditures | $2.2M | $1.7M+185.5% | $588K-38.8% | $961K+111.2% | $455K-62.6% | $1.2M-59.6% | $3.0M+167.1% | $1.1M-24.7% | $1.5M |
| Free Cash Flow | $21.1M | $11.9M+273.2% | -$6.9M-116.0% | $43.1M-53.9% | $93.5M+61.2% | $58.0M+152.1% | -$111.3M-412.9% | -$21.7M-258.0% | -$6.1M |
| Investing Cash Flow | $149.7M | $241.9M-42.3% | $419.0M+1905.2% | -$23.2M+96.3% | -$628.2M-1296.9% | $52.5M+115.4% | -$340.9M-260.0% | -$94.7M+7.1% | -$102.0M |
| Financing Cash Flow | -$242.5M | -$315.5M+11.8% | -$357.9M-1653.7% | $23.0M-95.2% | $481.0M+585.4% | -$99.1M-119.5% | $507.1M+216.4% | $160.3M+44.1% | $111.2M |
| Dividends Paid | N/A | $22.6M | $0-100.0% | $4.6M-49.4% | $9.2M+27.7% | $7.2M+194.9% | $2.4M-1.5% | $2.5M+64.8% | $1.5M |
| Share Buybacks | N/A | $9.5M | $0 | N/A | N/A | N/A | N/A | N/A | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BRBS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 7.8%+17.4pp | -9.6%+21.0pp | -30.6%-44.9pp | 14.2%-36.4pp | 50.7%+34.8pp | 15.9%+6.7pp | 9.2%-4.8pp | 14.0% |
| 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%+11.4pp | 5.0%-6.6pp | 11.6% |
| 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%+0.7pp | 0.5%-0.4pp | 0.9% |
| Debt-to-Equity | 6.52-0.8x | 7.35-8.4x | 15.76+4.2x | 11.58+3.0x | 8.62-4.3x | 12.87+12.8x | 0.11-0.1x | 0.25 |
| FCF Margin | 8.7%+13.0pp | -4.3%-29.8pp | 25.5%-51.3pp | 76.8%+20.8pp | 56.0% | -100.1% | -43.7%-25.1pp | -18.6% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
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Where Blue Ridge Bnksh Ranks
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 23 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.