BLUE RIDGE BANKSHARES INC (BRBS)
Financials · Community and Regional Banking · Nyse Mkt Llc
Regional Virginia and North Carolina bank holding company exiting fintech partnerships while managing regulatory oversight and restoring profitability in its core commercial and consumer banking operations.
What BLUE RIDGE BANKSHARES INC does
Blue Ridge Bankshares is a bank holding company headquartered in Richmond, Virginia, providing commercial and consumer banking services through its subsidiary Blue Ridge Bank, a federally chartered national bank with 27 offices across Virginia and central North Carolina. The company offers retail and commercial banking products including loans, deposits, cash management, wealth and trust management services through BRB Financial Group, and indirect fintech lending through partnerships. The company is actively exiting fintech partnerships, including banking-as-a-service (BaaS) operations and indirect lending relationships, which accounted for significant historical revenue but have been substantially wound down as of December 31, 2025.
Themes: ["Commercial and consumer banking","Community banking / regional bank","Wealth and trust management","Fintech partnerships (winding down)","Residential and commercial mortgages"]
Fundamentals
- Price$3.42 as of 2026-07-09 close
- Market cap$307M as of 2026-07-10
- 1-year return-4.7% as of 2026-07-09 close
- P/E25.63 as of 2026-07-10
- Net margin-30.4% as of 2026-07-10
- ROE+3.7% as of 2026-07-10
- Debt / equity0.05 as of 2026-07-10
- Revenue growth (YoY)+56.8% as of 2026-07-10
- Revenue CAGR (3y)+84.9% SEC XBRL
- Beta0.55 as of 2026-07-10
Dividend: yield +16.8%; 1-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Ongoing regulatory oversight: The Bank was subject to an OCC Consent Order as of 2025 concerning fintech operations and enhanced risk management controls for fintech partnerships.","Strategic exit from fintech partnerships: The company is terminating indirect fintech lending relationships (Upgrade, Best Egg, Kashable, Grow Credit) and expects complete exit in 2026, which reduces future revenue sources and creates execution risk during wind-down.","Negative profitability and deteriorating equity: The company reported a negative net margin of -30.37% and accumulated deficit of $47.4 million as of Q1 2026, with stockholders' equity declining sharply from $323.7 million at year-end 2025 to $276.9 million by Q1 2026."]
Competitors & peers
- Cardinal Bank
- Union Bankshares Corporation (UNB)
- Xenith Bank
- Live Oak Bank
- CommunityOne Bancorp
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.