BLUE RIDGE BANKSHARES INC (BRBS)
Financials · regional banks · NYSE American
Blue Ridge Bankshares is a regional bank holding company in Virginia undergoing a strategic transition away from fintech-oriented banking-as-a-service operations toward traditional commercial and consumer banking.
What BLUE RIDGE BANKSHARES INC does
Blue Ridge Bankshares, Inc. is a bank holding company headquartered in Richmond, Virginia, that provides commercial and consumer banking services through its subsidiary, Blue Ridge Bank, National Association. The company offers a range of financial products, including various deposit accounts, commercial and industrial loans, residential mortgages, and wealth and trust management services. It serves businesses, consumers, nonprofits, and municipalities across Virginia and central North Carolina.
Themes: regional banking, wealth management, financial services turnaround, commercial lending
Fundamentals
- Price$3.90 as of 2026-08-21 close
- Market cap$350M as of 2026-08-21
- 1-year return+6.3% 2025-08-21 close $3.67 → 2026-08-21 close $3.90
- P/E28.19 as of 2026-08-24
- Net margin-30.4% as of 2026-08-24
- ROE+3.7% as of 2026-08-24
- Debt / equity0.05 as of 2026-08-24
- Revenue growth (YoY)+56.8% as of 2026-08-24
- Revenue CAGR (3y)+84.9% SEC XBRL
- Beta0.58 as of 2026-08-24
- Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +16.8%; at least 1 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How BRBS compares in its sector
- price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 10% 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- indicated dividend yieldtop 10% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, BRBS's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 211%, free-cash-flow payout 189%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout211% dividends / net income
- Free-cash-flow payout189% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How BLUE RIDGE BANKSHARES INC looks technically
BLUE RIDGE BANKSHARES INC (BRBS) is trading 0.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed below its 200-day average about 91 trading days ago — a "death cross", a bearish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 33, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 5 trading days ago. It is 18.5% below its highest point of the past year.
Trend
9
| Distance from the 200-day | it is trading 0.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +0.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $3.55 | $3.55 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $3.90 | $3.90 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 29 calendar days ago — the swings before that are what the structure reading is measured on | 29 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 3.32. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 91 trading days ago — a "death cross", a bearish long-term signal | 91 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 0.0% above | +0.0% |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 33, with buyers in control | 32.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30) | 65.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($3.60 to $4.05) — its "stochastic" reading is 67 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 66.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 16 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $4.78 | $4.78 |
|---|---|---|
| From the 52-week high | it is 18.5% below its 52-week high (its highest price of the past year) | -18.5% |
| Above the 52-week low | it is 20.9% above its 52-week low (its lowest price of the past year) | +20.9% |
| Below the 52-week high | it is 18.5% below its highest point of the past year | 18.5% |
| Since a 20-day breakout | it made a new 20-day high about 5 trading days ago | 5 sessions |
| Since a 55-day breakout | it made a new 55-day high about 5 trading days ago | 5 sessions |
| All-time high | its highest closing price on record is $19.22 (set on 2021-10-15) | $19.22 |
| Given back of the 52-week move | over the past year its closes ranged ($3.24 to $4.69), and it has recovered around half of its fall from last year’s high — 46% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $4.14 to $4.18. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 45.5% |
| From the all-time high | it is 79.7% below its all-time high | -79.7% |
| Nearest price level | it is trading 1.5% above a support level at $3.84 — a price it turned at twice since 2025-02-13, most recently on 2025-08-13. Since 2024-08-21 it has 10 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.5% |
| All-time low | its lowest closing price on record is $2.05 (set on 2023-11-03) | $2.05 |
| Above the all-time low | it is 90.3% above its all-time low | +90.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 83% of the past ~6 months) | 83rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.0933 between its high and its low — about 2.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.0933 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $3.40 and $4.03 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $3.40 – $3.71 – $4.03 |
| Typical daily range (% of price) | its price moves about 2.4% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.4% |
| Stretch from the 200-day average | it is sitting essentially on its 200-day average price (0.0% above it in plain percentage terms) | at its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.52× |
|---|
Candlestick patterns
1
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.5% |
|---|---|---|
| Open gap | it gapped 4.3% above the previous close 4 sessions ago and has not traded back through the level it left behind at 3.69 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.3% |
Price streaks
1
| Closing streak | it has closed lower 4 sessions in a row, a -2.5% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 4 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 11.0 percentage points (the stock gained 13.4% while the market gained 2.3%) | +11.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 15.1 percentage points (the stock gained 18.2% while the market gained 3.1%) | +15.1% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 19.5 percentage points (the stock lost 8.5% while the market gained 11.1%) | -19.5% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 14.2 percentage points (the stock gained 6.3% while the market gained 20.5%) | -14.2% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 12% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.7% of the share price, which is taken to mean a barrier that gives way easily. | +12.3% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 2% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $3.82 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +2.1% |
|---|
Price levels it has turned at before
BRBS last closed at $3.90 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $3.84 | Support | 1.5% below the last close | turned there twice · 2025-02-13 to 2025-08-13 |
| $3.77 | Support | 3.4% below the last close | turned there twice · 2025-03-03 to 2026-03-13 |
| $4.04 | Resistance | 3.5% above the last close | turned there three times · 2025-07-17 to 2025-11-20 |
| $3.68 | Support | 5.5% below the last close | turned there five times · 2024-11-21 to 2026-06-26 |
| $4.13 | Resistance | 6.0% above the last close | turned there three times · 2025-08-25 to 2026-03-23 |
| $4.29 | Resistance | 10.0% above the last close | turned there four times · 2025-12-09 to 2026-04-08 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $3.32.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Near 200-day moving-average support · Trading above the 200-day moving average · in a strong, established uptrend (ADX) · lagging the market · Trading above the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Regulatory compliance risks and impact of Consent Orders from regulators such as the OCC.","Material changes in the business model, specifically the wind-down of fintech partnerships and banking-as-a-service (BaaS) operations.","Interest rate risk and its effect on net interest margin and the valuation of securities portfolios."]
What changed in the latest 10-Q
AI-assisted comparison of BRBS's 10-Q filed 2026-05-05 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Added bullet point about 'the usage of advances and changes in technological and social media to develop timely and competitive products and services, and the acceptance of these products and services by new and existing customers' (newer filing, 2026-05-05)
- Added reference to 2025 Form 10-K instead of 2024 Form 10-K (newer filing, 2026-05-05)
- Added reference to 'three months ended March 31, 2026' instead of 'three and nine months ended September 30, 2025' (newer filing, 2026-05-05)
- Removed:
- Removed bullet point about 'the impact of, and the ability to comply with, the terms of the Consent Order, as defined below, with the Office of the Comptroller of the Currency ("OCC"), including the heightened capital requirements and other restrictions therein, and other regulatory directives' (older filing, 2025-11-04)
- Removed bullet point about 'the imposition of additional regulatory actions or restrictions for noncompliance with the Consent Order or otherwise' (older filing, 2025-11-04)
- Removed bullet point about 'the Company's ability to manage its fintech relationships, including implementing enhanced controls, complying with the OCC directives and applicable laws and regulations, and managing the final phases of the wind down of these partnerships' (older filing, 2025-11-04)
- Removed bullet point about 'changes in consumer spending and savings habits' (older filing, 2025-11-04)
- Removed separate bullet point about 'technological and social media changes' (older filing, 2025-11-04)
- Removed reference to 'to comply with the Consent Order directives' from the capital adequacy bullet (older filing, 2025-11-04)
- Reworded:
- Changed 'words or phases of similar meaning' to 'words of similar meaning' (newer filing, 2026-05-05)
- Changed 'are subject to change' to 'may change' in risk disclosure language (newer filing, 2026-05-05)
- Changed 'The emergence of digital assets and payment stablecoins, and evolving legislative or regulatory frameworks, may alter deposit flows...' to 'the emergence of digital assets and payment stablecoins, and evolving legislative or regulatory frameworks, which could alter deposit flows...' (newer filing, 2026-05-05)
- Changed 'Changes or gaps in these emerging rules could adversely affect' to 'which could alter...and...adversely affect' (newer filing, 2026-05-05)
- Changed 'the timely development of competitive products and services' to 'the usage of advances and changes in technological and social media to develop timely and competitive products and services' (newer filing, 2026-05-05)
- Changed 'the application thereof by bank regulatory bodies, and the three branches' to 'the application thereof by bank regulatory bodies and the three branches' (removed comma) (newer filing, 2026-05-05)
- Notes:
- The newer filing's text is truncated at the end ('The Company will not update the forward-looking statements to reflect actual results or changes in the factors affecting the forwar'), making full comparison of closing language impossible
- The older filing's text is also truncated at the end ('The foregoing factors sh'), making full comparison of closing language impossible
Risk Factors
- Added:
- Newer filing (2026-05-05) shows accumulated deficit of $(47,440) thousand at March 31, 2026, compared to older filing (2025-11-04) showing retained earnings of $24,237 thousand at September 30, 2025
- Newer filing shows dividends payable of $54,055 thousand at March 31, 2026, compared to older filing showing no equivalent line item at September 30, 2025
- Newer filing reports recovery of credit losses - loans of $(600) thousand for Q1 2026, whereas older filing reports recovery of credit losses - loans of $(1,800) thousand for Q3 2025
- Newer filing reports no residential mortgage banking income for Q1 2026, whereas older filing shows residential mortgage banking income across multiple periods
- Newer filing shows loans held for sale of $0 at March 31, 2026, whereas older filing shows loans held for sale of $12,819 thousand at September 30, 2025
- Removed:
- Older filing (2025-11-04) includes restricted cash line item of $2,459 thousand at December 31, 2024; newer filing (2026-05-05) does not show this line item
- Older filing shows nine-month comparative statements of operations and comprehensive income; newer filing shows only three-month statements
- Older filing includes multiple noninterest income line items (mortgage servicing rights, MSR gains/losses, swap transaction fees, loss on sale of securities) not present in newer filing's three-month period
- Older filing shows regulatory remediation expense of $0-$357 thousand; newer filing does not include this line item
- Older filing includes warrant exercise activity ($9,758 thousand for nine months ended September 30, 2025); newer filing shows no warrant exercises in Q1 2026
- Reworded:
- Newer filing (2026-05-05) refers to accumulated deficit rather than retained earnings in stockholders' equity section
- Older filing (2025-11-04) includes 'Right-of-use asset' (singular); newer filing (2026-05-05) uses 'Right-of-use assets' (plural)
- Newer filing combines interest on FHLB borrowings without separate FRB borrowings line; older filing shows 'FHLB and FRB borrowings' as separate category
- Notes:
- The two filings cover different reporting periods (Q1 2026 vs. Q3 2025), which explains substantial differences in financial metrics
- The older filing includes comparative nine-month data not present in the newer filing
- Accumulated deficit vs. retained earnings change reflects the impact of $47,617 thousand in dividends paid in Q1 2026 as shown in the changes in stockholders' equity statement
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for BRBS — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding BRBS as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 5,501,485
- Reported value $23,106,236
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
BRBS had 1,617,273 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
BRBS had 1.80% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.8 days to cover at the same settlement.
- Reported short interest (shares) 1,617,273
- Short interest (% of shares outstanding) 1.80%
- Prior settlement (shares) 1,772,843
- Reported change -8.78%
- Days to cover (reported) 5.8
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- TowneBank (TOWN)
- Atlantic Union Bankshares (AUB)
- Chesapeake Financial Shares (CPKF)
- FVCBankcorp (FVCB)
- Carter Bankshares (CARE)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does BLUE RIDGE BANKSHARES INC (BRBS) do?
Blue Ridge Bankshares, Inc. is a bank holding company headquartered in Richmond, Virginia, that provides commercial and consumer banking services through its subsidiary, Blue Ridge Bank, National Association. The company offers a range of financial products, including various deposit accounts, commercial and industrial loans, residential mortgages, and wealth and trust management services. It serves businesses, consumers, nonprofits, and municipalities across Virginia and central North Carolina.
What sector is BLUE RIDGE BANKSHARES INC (BRBS) in?
BLUE RIDGE BANKSHARES INC (BRBS) is classified in the Financials sector. Its industry is regional banks. It trades on NYSE American.
Does BRBS pay a dividend?
Yes — BLUE RIDGE BANKSHARES INC (BRBS) pays a dividend, with an indicated yield of about 16.84% and at least 1 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are BLUE RIDGE BANKSHARES INC's (BRBS) competitors?
Notable peers of BLUE RIDGE BANKSHARES INC (BRBS) include TowneBank, Atlantic Union Bankshares, Chesapeake Financial Shares, FVCBankcorp and Carter Bankshares. This peer set is informational only — not financial advice.
Is BLUE RIDGE BANKSHARES INC (BRBS) overbought or oversold right now?
BLUE RIDGE BANKSHARES INC (BRBS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 65, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BRBS come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.