How profitable is Blue Ridge Bankshares Inc. (BRBS)?

In FY 2025 (10-K), BRBS converted $1.0B of revenue into a 52% gross margin, 0% operating margin, and $11.9M in free cash flow (1.2% FCF margin).

Stock Ratings / Financials / BRBS / financials

CFFI (68) USCB (59) FRST (45) BCML (61) ⌘ Pro Terminal →

Blue Ridge Bankshares Inc. (BRBS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$3.98 -0.75% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.97

Blue Ridge Bankshares Inc. (BRBS) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $359.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BRBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Blue Ridge Bankshares Inc. (NYSE: BRBS) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $3.98 (-0.75% 1D, market cap $359.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, BRBS ranks #433 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BRBS compare to CFFI and USCB in the Financials sector?

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Within the Financials sector (Major Banks), BRBS carries a Roarable C- (59/100 RQD), trailing P/E of 33.8x, gross margin of —, and ROIC of 3.3%. By comparison, CFFI (C&F Financial Corporation) holds a C+ grade (68/100 RQD, P/E 13.5x, ROIC 10.3%, cap $361.7M) and USCB (USCB Financial Holdings Inc. (Class A)) posts a C- grade (59/100 RQD, P/E 14.1x, ROIC 12.0%, cap $370.8M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BRBS?

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Per BRBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000842717), Blue Ridge Bankshares Inc. generated $1.02B in revenue (-11.1% YoY), $10.7M in net income, and $11.9M in free cash flow against $2.43B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.97 (-0.33%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 1.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BRBS)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY BRBS SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$3.89+2.8% Next Q

Q2 (-2Q)

Grade C-$4.00-1% Next Q

Q3 (-1Q)

Grade C$3.96+0.5% Next Q

Current

Grade C-$3.98+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BRBS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, BRBS faces multiple-compression risk if 33.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($3.94) or 200D SMA ($3.79) invalidates the momentum regime and cuts Target Base ($4.00) toward Bear Floor ($3.12).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BRBS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BRBS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 59%NO 41%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How BRBS Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$11.9M (1.2% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $233.0M

FY24

Rev $1.15B

FY25

Rev $1.02B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$1.02B	52%	0%	$10.7M	$11.9M	3.3%
FY 2024	$1.15B	52%	0%	-$15.4M	-$6.9M	3.3%
FY 2023	$233.0M	46.7%	0%	-$51.8M	$44.1M	3.3%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BRBS)

✓Walkthrough of BRBS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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BRBS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.06%🛡️ HOLDING TREND SUPPORT

2026-11-04O $3.93H $4.01L $3.93C $3.98VOL 537.6K

RES: $4.50SUP: $3.94SMA50: $3.94SMA200: $3.79

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BRBS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BRBS Butterfly Map → + Track BRBS →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

26.1%/yr Implied 5Y Growth

vs. -11.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BRBS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BRBS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BRBS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BRBS)

Financials Rank #433 of 1097 ⚔️ CFFI vs BRBS Full Matrix →

1. Head-to-Head Financials Peer Comparison (BRBS vs. CFFI, USCB, FRST, BCML)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Blue Ridge Bankshares Inc. (BRBS) ranks #433 by composite RQD confidence (59/100, grade C-) and #773 by equity capitalization ($359.7M). Within this direct 5-issuer industry benchmark cohort, CFFI leads on earnings valuation at 13.5x trailing P/E, while USCB leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. CFFI currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with BRBS at 59/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BRBS ACTIVE Blue Ridge Bankshares Inc.	C-	59/100	33.8x	—	3.3%	-0.75%	$359.7M	Benchmark Subject
CFFI C&F Financial Corporation	C+	68/100	13.5x	—	10.3%	-0.22%	$361.7M	/cffi-vs-brbs →
USCB USCB Financial Holdings Inc. (Class A)	C-	59/100	14.1x	—	12.0%	-1.15%	$370.8M	/uscb-vs-brbs →
FRST Primis Financial Corp.	D	45/100	—	—	0.0%	-1.20%	$372.0M	/frst-vs-brbs →
BCML BayCom Corp	C-	61/100	14.1x	—	7.1%	-1.02%	$342.0M	/bcml-vs-brbs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000842717 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Blue Ridge Bankshares Inc. (BRBS) reported GAAP revenue of $1.02B (-11.1% vs. FY2024 revenue of $1.15B , and +338.5% cumulative change since FY2023) , GAAP net income of $10.7M, operating cash flow of $13.6M, and free cash flow of $11.9M (+273.2% YoY). On the balance sheet, BRBS closed FY2025 with $2.43B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.02B	$10.7M	$13.6M	$11.9M	$2.43B	—
FY2024 (FY)	2024-12-31	$1.15B	-$15.4M	-$6.3M	-$6.9M	$2.74B	—
FY2023 (FY)	2023-12-31	$233.0M	-$51.8M	$44.1M	$44.1M	—	—

3. BRBS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BRBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does BRBS compare to CFFI and USCB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for BRBS?

Where is BRBS trading relative to its 50-day, 200-day, and 52-week technical levels?

BRBS last traded at $3.98 (-0.75% on volume of 335,093 shares), positioning the stock +1.02% above its 50-day simple moving average ($3.94) and +5.01% above its 200-day simple moving average ($3.79). Across its 52-week range of $3.22 to $4.78, BRBS sits at the 48.7% percentile with a 14-day RSI of 53.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($3.80 to $4.16).

Direct Sub-Reports: BRBS RQD Cockpit BRBS 12M Forecast BRBS Earnings & Move BRBS Dividends & DRIP BRBS Insiders & 13F BRBS Whale Options BRBS Profit Sankey BRBS News & Why

ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

BRBS — Blue Ridge Bankshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Blue Ridge Bankshares Inc. (BRBS) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $3.98 (-0.75% 1D, market capitalization $359.7M).

Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 3.3%, gross margin of —, operating margin of —, and free cash flow yield of 3.31%.
Whale 13F & Options Flow (8/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Blue Ridge Bankshares Inc. Is a NYSE-listed issuer in the Financials sector, classified under Major Banks, profile. The company carries a market capitalization of $0.4B. Revenue is reported as — for each period, so the revenue mechanics cannot be confirmed from the sources.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Blue Ridge Bankshares Inc. (BRBS) reported $1.02B in annual revenue (up from $1.15B in FY2024, -11.1% YoY) and $10.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($233.0M revenue, -$51.8M net income) through FY2025, BRBS scaled operating cash flow to $13.6M and free cash flow to $11.9M, backed by $2.43B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C- • RQD 59/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 3.31% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $3.22 – $4.78 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 33.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream supply-chain dependencies, sector correlations, or proprietary signal links are recorded. From an investor perspective, the most plausible second-order channel visible in the sources is credit: concentrated loan losses (per the news wire) could pressure capital and earnings, and any pending acquisition by HomeTrust Bancshares (per the news wire) could reshape ownership and valuation.

Key Question #1: Can BRBS sustain or expand its — operating margin and 3.3% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $1.02B and free cash flow of $11.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is BRBS's 31.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BRBS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Blue Ridge Bankshares Inc. (BRBS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BRBS Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 1d ago

Blue Ridge Bankshares, Inc. (BRBS) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Blue Ridge Bankshares, Inc. Announces 2026 Third Quarter Results

TradingView report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 2d ago

HomeTrust Bancshares to Acquire Blue Ridge Bankshares (BRBS) Ami

GuruFocus report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 2d ago

Blue Ridge Bankshares, Inc. Reports Net Charge Offs for the Third Quarter Ended September 30, 2026

www.marketscreener.com report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Stock Titan • 2d ago

One borrower accounts for $9.9M in loan charge-offs at Blue Ridge Bankshares (BRBS), which posts a Q3 loss.

Stock Titan report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Blue Ridge Bankshares (NASDAQ:BRBS) Shares Down 1.5% - What's Next?

MarketBeat report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Simply Wall St • 2d ago

Blue Ridge Bankshares (BRBS) Q3 Results Reflect Revenue Collapse And Losses

Simply Wall St report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Quiver Quantitative • 2d ago

Blue Ridge Bankshares Reports $4.2 Million Third-Quarter Net Loss

Quiver Quantitative report covering Blue Ridge Bankshares Inc. (BRBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BRBS Bull vs. Bear Conversation Board — What's Your Call at $3.98?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BRBS 🐻 33% BEARISH CONVICTION

DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $4.87 (+23.9%)

📌 Pinned Debate

Net income recovered from -$51.8M in FY 2023 to $10.7M in FY 2025 with positive FCF of $11.9M.

Here is why I am bullish on BRBS here at $3.93: Net income recovered from -$51.8M in FY 2023 to $10.7M in FY 2025 with positive FCF of $11.9M.. Compare BRBS's 0.0% operating margin and 3.3% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $3.73 are getting bought.

VolSurface_Trader 🐂 BULL

Both sides have a point here — BRBS's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $3.22 (-18.1%)

Spot @ $3.93

A $9.9M single-borrower charge-off and a Q3 loss flagged as RISK WATCH, against a P/E (TTM) of 33.8 on EPS of 0.12.

Sitting on the sidelines or leaning short BRBS above $3.93. A $9.9M single-borrower charge-off and a Q3 loss flagged as RISK WATCH, against a P/E (TTM) of 33.8 on EPS of 0.12.. Until Fundamental Cash Engine (12/20) and FCF yield (3.31%) inflect higher, upside is capped near $4.78.