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CFFI (68) FRST (45) USCB (59) BCML (61) ⌘ Pro Terminal β†’

Blue Ridge Bankshares Inc. (BRBS) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$4.01 +2.04% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.02

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- β€’ HOLD / WATCH Cap $352.5M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BRBS Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is BRBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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 $4.01 (+2.04% 1D, market cap $352.5M). 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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does BRBS compare to CFFI and FRST in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), BRBS carries a Roarable C- (59/100 RQD), trailing P/E of 33.8x, gross margin of β€”, 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 $356.7M) and FRST (Primis Financial Corp.) posts a D grade (45/100 RQD, P/E N/A, ROIC 0.0%, cap $365.3M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BRBS?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $4.02 (+0.18%)🧬 Cannibal Buyback (-1.80% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 1.2% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 53.1% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw D+ Β· Rk C
Cash (12)Whales (8)SEC (13)Macro (12)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0.5% Base Target
$5 Bull$4 Base$3 Bear
πŸ“¬ FREE BRBS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for BRBS)Realized 20D OHLCV Swing Band: Β±4.6%
Deterministic 5-Pillar Attribution (59/100 Composite)
πŸ” WHY BRBS SCORES 59/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (24% of score)

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

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

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

β–Ό #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)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
51
Grade C-$3.86+2.8% Next Q
Q2 (-2Q)
54
Grade C-$3.97+0.3% Next Q
Q3 (-1Q)
56
Grade C$3.98+0.8% Next Q
Current
59
Grade C-$4.01+0.2% Hist 90D Ξ±
Trajectory: C- (51) β†’ C- (59)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the BRBS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

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) β€” 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 ($4.03) toward Bear Floor ($3.14).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BRBSβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œBRBS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

BRBS Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (BRBS)

No recent open-market Form 4 cluster sales or emergency dumps flagged on BRBS. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (BRBS Tape Review)

  • βœ“Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • βœ“Forensic Red-Light accounting & dilution traps to review on your watchlist
  • βœ“Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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BRBS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.35%πŸ›‘οΈ HOLDING TREND SUPPORT
2026-11-03O $4.03H $4.03L $3.93C $4.01VOL 564.4K
RES: $4.49SUP: $3.94SMA50: $3.94SMA200: $3.79
$4.27$3.98$3.70$3.42$3.13RES $4.49SUP $3.94$4.012026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ BRBS Butterfly Map β†’ + Track BRBS β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BRBS)

Financials Rank #433 of 1097 βš”οΈ CFFI vs BRBS Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (BRBS vs. CFFI, FRST, USCB, 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 #777 by equity capitalization ($352.5M). 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 β€” 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 β€” 3.3% +2.04% $352.5M Benchmark Subject
CFFI
C&F Financial Corporation
C+ 68/100 13.5x β€” 10.3% +1.39% $356.7M /cffi-vs-brbs β†’
FRST
Primis Financial Corp.
D 45/100 β€” β€” 0.0% +1.83% $365.3M /frst-vs-brbs β†’
USCB
USCB Financial Holdings Inc. (Class A)
C- 59/100 14.1x β€” 12.0% +0.96% $367.3M /uscb-vs-brbs β†’
BCML
BayCom Corp
C- 61/100 14.1x β€” 7.1% +1.79% $336.0M /bcml-vs-brbs β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000842717 β†—

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 β€”
FY2024 (FY) 2024-12-31 $1.15B -$15.4M -$6.3M -$6.9M $2.74B β€”
FY2023 (FY) 2023-12-31 $233.0M -$51.8M $44.1M $44.1M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

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 $4.01 (+2.04% 1D, market cap $352.5M). 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.

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

Within the Financials sector (Major Banks), BRBS carries a Roarable C- (59/100 RQD), trailing P/E of 33.8x, gross margin of β€”, 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 $356.7M) and FRST (Primis Financial Corp.) posts a D grade (45/100 RQD, P/E N/A, ROIC 0.0%, cap $365.3M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

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

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.

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

BRBS last traded at $4.01 (+2.04% on volume of 537,598 shares), positioning the stock +1.78% above its 50-day simple moving average ($3.94) and +5.80% above its 200-day simple moving average ($3.79). Across its 52-week range of $3.22 to $4.78, BRBS sits at the 50.6% percentile with a 14-day RSI of 48.3 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.6% ($3.83 to $4.19).

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 β€’ RQD 59/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

BRBS β€” 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 $4.01 (+2.04% 1D, market capitalization $352.5M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 3.3%, gross margin of β€”, operating margin of β€”, 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 β€” 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

  • πŸ‚ Primary Bull Case (C- β€’ 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 β€” 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 β€” 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to BRBS Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BRBS Bull vs. Bear Conversation Board β€” What's Your Call at $4.01?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BRBS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BRBS:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER β€’ Options Flow Specialist πŸ‚ BULLISH 🎯 Target: $4.87 (+23.9%)
πŸ“Œ 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 πŸ‚ BULL

Both sides have a point here β€” 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 β€’ 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.

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