Blue Ridge Bankshares, Inc. (BRBS) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BRBS SEC filings page.
Blue Ridge Bankshares, Inc. (BRBS) reported $84.1M in revenue over the twelve months to Jun 30, 2026, down 5.4% from the prior twelve months. 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).
The bank’s 2025 recovery came from lower interest and operating costs, not renewed revenue growth, leaving balance-sheet returns modest.
Earnings recovery outpaced the top line: revenue was essentially flat at$91.7M in FY2025 versus$92.2M in FY2024, while interest expense fell from$81.7M to$58.9M and selling, general, and administrative costs declined to$46.2M . That combination moved net income from a net loss of$15.4M to$10.7M , indicating the improvement was primarily cost and funding related rather than volume-led.
Balance-sheet contraction reduced leverage: total assets fell from
Cash conversion recovered with reported earnings: operating cash flow improved from an outflow of
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 Bankshares, Inc.'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 Bankshares, Inc. earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.6% the prior year. Earnings ranks banks on that return over three years, and Blue Ridge Bankshares, Inc. scores 14/100 among other banks.
Blue Ridge Bankshares, Inc. reported revenue of $91.7M in fiscal year 2025, against $92.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Blue Ridge Bankshares, Inc. scores 6/100 among other banks.
Blue Ridge Bankshares, Inc. funded 13.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $323.7M of equity against $2.4B of assets. Capital ranks banks on that cushion, and Blue Ridge Bankshares, Inc. scores 71/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Blue Ridge Bankshares, Inc. scores 5/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Blue Ridge Bankshares, Inc. scores 46/100 on it among other banks.
Blue Ridge Bankshares, Inc. reported net income of $10.7M in fiscal year 2025, against a loss of $15.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Blue Ridge Bankshares, Inc. scores 1/100 among other banks.
Blue Ridge Bankshares, Inc. passes 5 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), both operating efficiency signals pass.
For every $1 of reported earnings, Blue Ridge Bankshares, Inc. 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 Bankshares, Inc. generated $18.3M in revenue in Q2 2026. This represents a decrease of 20.7% from the same quarter a year earlier. Against the prior quarter it is down 4.9%.
Blue Ridge Bankshares, Inc. reported -$1.3M in net income in Q2 2026. This represents a decrease of 199.9% from the same quarter a year earlier. Against the prior quarter it is down 254.9%.
Blue Ridge Bankshares, Inc. earned -$0.01 per diluted share (EPS) in Q2 2026. This represents a decrease of 200.0% from the same quarter a year earlier.
Not reported for Q2 2026.
Cash & Balance Sheet
Blue Ridge Bankshares, Inc. generated $1.5M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 85.7% from the same quarter a year earlier. Against the prior quarter it is down 89.7%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Blue Ridge Bankshares, Inc.'s net profit margin was -7.1% in Q2 2026, showing the share of revenue converted to profit. This is down 12.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 11.4 percentage points.
Blue Ridge Bankshares, Inc.'s ROE was -0.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.8 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Blue Ridge Bankshares, Inc. invested $221K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 74.0% from the same quarter a year earlier. Against the prior quarter it is down 51.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
BRBS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $18.3M-20.7% | $19.3M-12.7% | $20.8M-5.2% | $25.7M+18.1% | $23.1M+13.4% | $22.1M-21.6% | $21.9M-14.6% | $21.8M-26.4% |
| SG&A Expenses | $9.0M-30.6% | $11.1M-12.3% | $9.2M-30.7% | $11.4M-18.3% | $13.0M-12.9% | $12.6M-21.4% | $13.2M-3.4% | $13.9M-4.8% |
| Interest Expense | $12.3M-17.4% | $12.5M-23.7% | $13.4M-29.0% | $14.3M-28.9% | $14.9M-27.5% | $16.4M-26.2% | $18.8M-12.1% | $20.1M-0.8% |
| Income Tax | -$333K-169.4% | $277K+160.9% | $1.1M+263.5% | $1.9M+217.2% | $480K+177.9% | -$455K-11.8% | -$698K+59.5% | $599K+112.8% |
| Net Income | -$1.3M-199.9% | $836K+292.6% | $4.2M+309.9% | $5.6M+492.3% | $1.3M+111.3% | -$434K+85.0% | -$2.0M+65.0% | $946K+102.3% |
| EPS (Basic) | -$0.01-200.0% | $0.01+200.0% | $0.05+66.7% | $0.06+500.0% | $0.01+102.1% | -$0.01+93.3% | $0.03+110.0% | $0.01+100.5% |
| EPS (Diluted) | -$0.01-200.0% | $0.01 | $0.04+33.3% | $0.06+500.0% | $0.01 | -$0.01 | $0.03 | $0.01 |
| Diluted Shares (Avg) | 88M-7.7% | 100M | N/A | 99M+14.1% | 96M | 86M | N/A | 87M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BRBS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.3B-8.9% | $2.4B-10.1% | $2.4B-11.1% | $2.5B-15.2% | $2.6B-12.9% | $2.7B-12.7% | $2.7B-12.2% | $2.9B-9.7% |
| Total Liabilities | $2.1B-7.2% | $2.1B-8.9% | $2.1B-12.5% | $2.1B-17.9% | $2.2B-15.2% | $2.3B-18.9% | $2.4B-17.8% | $2.6B-15.3% |
| Total Equity | $275.4M-20.0% | $277.0M-18.1% | $323.7M-1.2% | $355.5M+5.7% | $344.3M+5.7% | $338.3M+87.0% | $327.8M+76.2% | $336.3M+84.0% |
| Retained Earnings | -$48.7M-361.5% | -$47.4M-373.6% | -$659K-103.7% | $24.2M+22.6% | $18.6M-1.0% | $17.3M-42.7% | $17.8M-46.4% | $19.8M-49.2% |
Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.7M-83.8% | $15.0M+519.0% | $128K+100.7% | $6.4M-73.4% | $10.7M+321.3% | -$3.6M+52.3% | -$18.1M-188.5% | $24.1M+2478.2% |
| Depreciation & Amortization | $363K+11.7% | $368K-2.6% | $338K-6.4% | $325K-9.7% | $325K-14.0% | $378K-12.7% | $361K-11.1% | $360K-12.8% |
| Stock-Based Compensation | N/A | N/A | N/A | $1.2M+1100.0% | $2.2M+633.3% | N/A | N/A | $100K |
| Capital Expenditures | $221K+74.0% | $457K+1728.0% | $827K+517.2% | $700K+185.7% | $127K-18.6% | $25K-52.8% | $134K-46.0% | $245K+250.0% |
| Free Cash Flow | $1.5M-85.7% | $14.6M+503.5% | -$699K+96.2% | $5.7M-76.0% | $10.5M+311.8% | -$3.6M+52.3% | -$18.2M-190.2% | $23.9M+2658.3% |
| Investing Cash Flow | -$3.2M-104.0% | $33.9M-21.7% | $64.0M-43.8% | $55.0M-55.5% | $79.6M-41.8% | $43.3M-3.3% | $114.0M+842.2% | $123.7M+960.1% |
| Financing Cash Flow | -$83.4M+36.6% | -$18.2M+57.6% | -$69.2M+66.3% | -$71.6M-1055.3% | -$131.6M-1.7% | -$43.0M-42.7% | -$205.7M-37.2% | $7.5M-92.0% |
| Dividends Paid | $53.0M | $140K | N/A | N/A | $0 | $0 | $0 | $0 |
| Share Buybacks | N/A | N/A | $6.7M | N/A | N/A | N/A | $0 | N/A |
BRBS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -7.1%-12.7pp | 4.3%+6.3pp | 20.3%+29.5pp | 21.8%+17.4pp | 5.6%+61.8pp | -2.0%+8.3pp | -9.2%+13.2pp | 4.3% |
| Return on Equity | -0.5%-0.9pp | 0.3%+0.4pp | 1.3%+1.9pp | 1.6%+1.3pp | 0.4%+3.9pp | -0.1%+1.5pp | -0.6%+2.5pp | 0.3%+22.9pp |
| Return on Assets | -0.1%-0.1pp | 0.0%+0.1pp | 0.2%+0.2pp | 0.2%+0.2pp | 0.1%+0.4pp | 0.0%+0.1pp | -0.1%+0.1pp | 0.0%+1.3pp |
| Debt-to-Equity | 7.45+1.0x | 7.72+0.8x | 6.52-0.8x | 6.02-1.7x | 6.42-1.6x | 6.94-9.1x | 7.35-8.4x | 7.75-9.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 8.2%-37.4pp | 75.7%+92.1pp | -3.4%+79.8pp | 22.3% | 45.6%+70.0pp | -16.4%+10.5pp | -83.2%-161.8pp | 109.6% |
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.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Blue Ridge Bankshares, Inc. BRBS | FY2025 | $91.7M | $10.7M | 11.7% | $344.4M | 24/100 |
| Farmers & Merchants Bancorp, Inc. FMAO | FY2025 | $121.4M | $33.3M | 27.4% | $475.9M | 44/100 |
| Bankwell Financial Group Inc BWFG | FY2025 | $108.3M | $35.2M | 32.5% | $515.9M | 37/100 |
| Greene County Bancorp Inc GCBC | FY2026 | $92.6M | $41.0M | 44.3% | $572.9M | 65/100 |
| Bank of Marin Bancorp BMRC | FY2025 | $29.4M | $26.5M | 90.0% | $431.9M | 17/100 |
| Midland States Bancorp, Inc. MSBI | FY2025 | $325.0M | -$124.3M | -38.2% | $667.4M | 10/100 |