BRBS
Blue Ridge Bankshares, Inc.Financial Services·Banks - Regional
$3.30
$297M market cap
Revenue
$65.9M
Free Cash Flow
$13.9M
Rev Growth
+0.0%
FCF Margin
21.1%
P/FCF
21.4x
EV/FCF
23.2x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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, consume
2-Year Price History
$3.28+38.4%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 31.7 | 1.1 | 1.1 | 0.8 | 15.0 | 14.6 | -0.5 | 146.6 | 171.6 | 99.8 | 1.5% | 0.1x | -- |
| Act | 2025-Q4 | 34.2 | 5.6 | 5.4 | 4.2 | 0.1 | -0.7 | -0.8 | 448.9 | 179.2 | 106.1 | 6.0% | 0.4x | -- |
Valuation & Metrics
Market Stats
Price$3.30
Market Cap$297M
Enterprise Value$322M
P/S Ratio4.5x
P/FCF21.4x
EV/FCF23.2x
FCF Margin (TTM)21.1%
FCF Yield4.7%
Dividend Yield (TTM)25.8%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$65.9M
Net Income$5.1M
Free Cash Flow$13.9M
Revenue Growth (YoY)+0.0%
EBITDA Margin10.2%
Net Margin7.7%
FCF Margin21.1%
CapEx % of Revenue1.9%
SBC % of Revenue0.0%
ROIC3.7%
WC Change % Rev-0.5%
Interest Coverage0.3x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares1.3M
Days to Cover5.0
Change (vs Prior)+0.3%
Need at least 2 settlement dates for chart
Employees
Headcount416
Revenue / Employee$158,409
Gross Profit / Employee$101,346
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
31.9%(+6.9% YoY)
93 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
15.5%(+11.0% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.1%(-1.4% YoY)
4 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $27.0M | $3.34 | −$791K | +$27.0M | -0.3% | $533.98B |
| BlackRock, Inc.Passive | $15.9M | $2.88 | −$219K | +$13.1M | -0.2% | $5.69T |
| Azora Capital LP | $11.4M | $2.56 | −$8.0M | −$1.0M | +0.9% | $1.52B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $11.0M | $3.60 | +$9.5M | +$11.0M | — | $4.04T |
| Algebris (UK) Ltd | $10.6M | $3.63 | +$4.7M | +$10.6M | +0.8% | $1.34B |
| BANC FUNDS CO LLC | $7.9M | $2.42 | −$504K | −$2.6M | -1.2% | $537M |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $5.3M | $2.91 | −$52K | +$3.4M | +2.3% | $1.61T |
| STATE STREET CORPPassive | $4.6M | $3.18 | +$107K | +$3.8M | -0.2% | $2.89T |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $4.3M | $2.78 | +$65K | +$1.1M | -0.6% | $113M |
| DIMENSIONAL FUND ADVISORS LPPassive | $3.9M | $3.82 | +$530K | +$2.5M | -0.4% | $480.92B |
| ALLIANCEBERNSTEIN L.P. | $3.8M | $2.72 | +$153K | −$15.1M | -0.3% | $307.70B |
| Elizabeth Park Capital Advisors, Ltd. | $3.4M | $2.29 | +$0 | −$1.7M | -1.1% | $130M |
| TWO SIGMA INVESTMENTS, LP | $2.9M | $3.28 | +$224K | +$2.1M | -0.9% | $117.03B |
| RENAISSANCE TECHNOLOGIES LLC | $2.3M | $2.74 | +$213K | +$431K | +1.2% | $63.91B |
| NORTHERN TRUST CORPPassive | $2.3M | $2.91 | +$74K | +$1.4M | -0.2% | $755.34B |
| EJF Capital LLC | $2.2M | $2.55 | +$261K | +$241K | -5.6% | $142M |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $1.6M | $3.60 | +$1.4M | +$1.6M | — | $1.91T |
| VANGUARD FIDUCIARY TRUST COPassive | $1.3M | $3.60 | +$1.1M | +$1.3M | — | $395.83B |
| VICTORY CAPITAL MANAGEMENT INC | $1.1M | $3.45 | +$123K | +$1.1M | -0.2% | $156.12B |
| MORGAN STANLEY | $1.1M | $3.09 | −$13K | +$769K | -0.3% | $1.65T |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.13%
avg per quarter
Holders (ex-self)
-0.13%
excl. this stock
Buyers (this Q)
+0.22%
38 buyers · $0.02B in
Sellers (this Q)
+0.32%
42 sellers · $0.02B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+9.4%
how holders react when this stock falls
On quiet Qs
+18.3%
−10% to +10% baseline
On rallies (+10%+)
-43.1%
how they react when this stock rises
Holders' portfolio flow this Q
+2.3%
inflows — adds are organic
Sellers' portfolio flow this Q
-5.3%
Sellers shed AUM broadly — partly forced.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-1.9%
Holder mid (any stock)
-5.2%
Holder rally (any stock)
-7.0%
Biggest decreases this quarter
Azora Capital LP−$8.0Mα+0.9WELLINGTON MANAGEMENT GROUP LLP−$791Kα-0.3BANC FUNDS CO LLC−$504Kα-1.2JACOBS ASSET MANAGEMENT, LLC−$315Kα+0.3FIDUCIARY TRUST COexited−$234KBlackRock, Inc.−$219Kα-0.2SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLCexited−$118KMANGROVE PARTNERSexited−$100KGSA CAPITAL PARTNERS LLPexited−$92KEvercore Wealth Management, LLCexited−$85K
New buyers this quarter
Top-5 holders · 53.9%
WELLINGTON MANAGEMENT GROUP LLP--
BlackRock, Inc.--
Azora Capital LP--
VANGUARD CAPITAL MANAGEMENT LLC--
Algebris (UK) Ltd--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
WELLINGTON MANAGEMENT GROUP LLP6.4MAzora Capital LP2.7MBANC FUNDS CO LLC1.9MALLIANCEBERNSTEIN L.P.881KFourthstone LLC—BlackBarn Capital Partners LP—Algebris (UK) Ltd2.5MMORGAN STANLEY256KGENDELL JEFFREY L215KSiena Capital Partners GP, LLC—
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$7K
1 txn · 1 insider · 2,000 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-06-10 | SELL | Raynor Brett | officer: Chief Accounting Officer | 2,000 | $3.34 | $7K | $26K |
Order Flow (FINRA, ~3w lag)
27.9%retail+8.0pp
15.1%dark-4.8pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Blue Ridge Bankshares: Procedural Metadata Analysis Lacking Substantive Financial Disclosure
Overall Risk
5/10
Fraud
1/10
Dilution
5/10
Insolvency
5/10
Earnings Overstated
5/10
Hidden Liabilities
5/10
Legal
5/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10