Blue Ridge Bankshares, Inc.
BRBS NYSE State Commercial Banks Financials FY2018–FY2025
Revenue
Total sales reported in the income statement.
$91.7M
0.6%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
89.3%
34.1 pts
Net income
Profit after all expenses, interest and tax.
$10.7M
Return on equity
Net income as a share of average shareholders' equity.
3.3%
9.3 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $0.11 EPS (TTM)
What Blue Ridge Bankshares, Inc. does
No business description yet.
- Legal name
- BLUE RIDGE BANKSHARES, INC.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Accession · CIK
- 0001193125-26-104410
0000842717
Revenue and margins
Blue Ridge Bankshares, Inc. had $91.7M of revenue in fiscal 2025, down 0.6% on the year before.
FY18
Revenue $32.6M
FY19
Revenue $49.7M
FY20
Revenue $111M
FY21
Revenue $179M
FY22
Revenue $153M
FY23
Revenue $121M
FY24
Revenue $92.2M
FY25
Revenue $91.7M
Q3 '23
Revenue $29.6M
Q4 '23
Revenue $25.7M
Q1 '24
Revenue $28.1M
Q2 '24
Revenue $20.4M
Q3 '24
Revenue $21.8M
Q4 '24
Revenue $21.9M
Q1 '25
Revenue $22.1M
Q2 '25
Revenue $23.1M
Q3 '25
Revenue $25.7M
Q4 '25
Revenue $20.8M
Q1 '26
Revenue $19.3M
Q2 '26
Revenue $18.3M
FY18
Net interest share 53.1%
Efficiency ratio 62.8%
FY19
Net interest share 43.0%
Efficiency ratio 66.1%
FY20
Net interest share 40.0%
Efficiency ratio 60.4%
FY21
Net interest share 51.5%
Efficiency ratio 61.8%
FY22
Net interest share 68.5%
Efficiency ratio 68.6%
FY23
Net interest share 76.6%
Efficiency ratio 130.1%
FY24
Net interest share 85.3%
Efficiency ratio 123.4%
FY25
Net interest share 86.0%
Efficiency ratio 89.3%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 75.0%
Efficiency ratio 218.3%
Q4 '23
Net interest share 84.7%
Efficiency ratio 118.3%
Q1 '24
Net interest share 72.3%
Efficiency ratio 115.3%
Q2 '24
Net interest share 98.7%
Efficiency ratio 144.0%
Q3 '24
Net interest share 87.6%
Efficiency ratio 121.4%
Q4 '24
Net interest share 87.2%
Efficiency ratio 116.9%
Q1 '25
Net interest share 86.1%
Efficiency ratio 104.0%
Q2 '25
Net interest share 85.9%
Efficiency ratio 95.3%
Q3 '25
Net interest share 85.1%
Efficiency ratio 77.8%
Q4 '25
Net interest share 87.1%
Efficiency ratio 81.3%
Q1 '26
Net interest share 87.8%
Efficiency ratio 97.3%
Q2 '26
Net interest share 90.3%
Efficiency ratio 86.8%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2018 to 2025, diluted EPS grew −32.0% a year. Loss periods are shown in red.
FY18
Net income $4.6M
FY19
Net income $4.6M
FY20
Net income $17.7M
FY21
Net income $52.5M
FY22
Net income $17.3M
FY23
Net income −$51.8M
FY24
Net income −$15.4M
FY25
Net income $10.7M
Q3 '23
Net income −$41.4M
Q4 '23
Net income −$5.8M
Q1 '24
Net income −$2.9M
Q2 '24
Net income −$11.4M
Q3 '24
Net income $0.9M
Q4 '24
Net income −$2.0M
Q1 '25
Net income −$0.4M
Q2 '25
Net income $1.3M
Q3 '25
Net income $5.6M
Q4 '25
Net income $4.2M
Q1 '26
Net income $0.8M
Q2 '26
Net income −$1.3M
FY18
Diluted EPS $1.64
FY19
Diluted EPS $1.10
FY20
Diluted EPS $2.05
FY21
Diluted EPS $2.94
FY22
Diluted EPS $0.92
FY23
Diluted EPS −$2.73
FY24
Diluted EPS −$0.31
FY25
Diluted EPS $0.11
Q3 '23
Diluted EPS −$2.18
Q4 '23
Diluted EPS −$0.31
Q1 '24
Diluted EPS −$0.15
Q2 '24
Diluted EPS −$0.47
Q3 '24
Diluted EPS $0.01
Q4 '24
Diluted EPS $0.30
Q1 '25
Diluted EPS −$0.01
Q2 '25
Diluted EPS $0.01
Q3 '25
Diluted EPS $0.06
Q4 '25
Diluted EPS $0.05
Q1 '26
Diluted EPS $0.01
Q2 '26
Diluted EPS −$0.01
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY18
ROE 11.6%
ROTE 12.9%
Efficiency ratio 62.8%
FY19
ROE 7.0%
ROTE 6.7%
Efficiency ratio 66.1%
FY20
ROE 17.7%
ROTE 20.6%
Efficiency ratio 60.4%
FY21
ROE 27.3%
ROTE 21.6%
Efficiency ratio 61.8%
FY22
ROE 6.6%
ROTE 8.0%
Efficiency ratio 68.6%
FY23
ROE −23.8%
ROTE −28.7%
Efficiency ratio 130.1%
FY24
ROE −6.0%
ROTE −4.7%
Efficiency ratio 123.4%
FY25
ROE 3.3%
ROTE 3.3%
Efficiency ratio 89.3%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Blue Ridge Bankshares, Inc. returned $22.6M to shareholders in fiscal 2025, 189% of free cash flow. The diluted share count rose 98.0%.
FY18
Dividends $1.5M
Buybacks —
FY19
Dividends $2.5M
Buybacks —
FY20
Dividends $2.4M
Buybacks —
FY21
Dividends $7.2M
Buybacks —
FY22
Dividends $9.2M
Buybacks —
FY23
Dividends $4.6M
Buybacks —
FY24
Dividends $0.0M
Buybacks —
FY25
Dividends $22.6M
Buybacks —
Dividends
Buybacks
Q3 '23
Dividends $0.0M
Buybacks —
Q4 '23
Dividends $0.0M
Buybacks —
Q1 '24
Dividends $0.0M
Buybacks —
Q2 '24
Dividends $0.0M
Buybacks —
Q3 '24
Dividends $0.0M
Buybacks —
Q4 '24
Dividends $0.0M
Buybacks —
Q1 '25
Dividends $0.0M
Buybacks —
Q2 '25
Dividends $0.0M
Buybacks —
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks —
Q1 '26
Dividends $0.1M
Buybacks —
Q2 '26
Dividends $53.0M
Buybacks —
Dividends
Buybacks
FY18
Diluted shares 0.00B
FY19
Diluted shares 4.15B
FY20
Diluted shares 0.01B
FY21
Diluted shares 0.02B
FY22
Diluted shares 0.02B
FY23
Diluted shares 0.02B
FY24
Diluted shares 0.05B
FY25
Diluted shares 0.10B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY18
Loans $411M
Deposits $415M
FY19
Loans $642M
Deposits $722M
FY20
Loans $1.0B
Deposits $945M
FY21
Loans $1.8B
Deposits $2.3B
FY22
Loans $2.4B
Deposits $2.5B
FY23
Loans $2.4B
Deposits $2.6B
FY24
Loans —
Deposits $2.2B
FY25
Loans —
Deposits $1.9B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $1.8B | $2.4B | $2.4B | — | — |
| Deposits | $2.3B | $2.5B | $2.6B | $2.2B | $1.9B |
| Loans / deposits | 78.7% | 96.3% | 94.7% | — | — |
| Total assets | $2.7B | $3.1B | $3.1B | $2.7B | $2.4B |
| Shareholders' equity | $277M | $249M | $186M | $328M | $324M |
| Goodwill | $26.8M | $26.8M | $0.0M | — | — |
| Intangible assets | $7.6M | $6.6M | $5.4M | — | — |
| Provision / loans | 0.0% | 1.1% | 0.9% | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
8 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||
| Revenue | $32.6M | $49.7M | $111M | $179M | $153M | $121M | $92.2M | $91.7M |
| Net interest income | $17.3M | $21.4M | $44.5M | $92.5M | $105M | $93.0M | $78.7M | $78.9M |
| Noninterest income | $10.1M | $18.8M | $55.9M | $87.0M | $48.1M | $28.4M | $13.6M | $12.8M |
| Noninterest expense | $20.5M | $32.8M | $67.2M | $111M | $105M | $158M | $114M | $81.9M |
| Provision for credit losses | $1.2M | $1.7M | $10.5M | $0.1M | $25.7M | $22.3M | −$5.1M | −$4.0M |
| Interest expense | $5.2M | $9.5M | $10.0M | $11.1M | $17.1M | $76.0M | — | — |
| Pretax income | $5.7M | $5.6M | $22.7M | $68.4M | $22.2M | −$58.8M | −$16.5M | $13.8M |
| Income tax | $1.1M | $1.0M | $4.8M | $15.7M | $5.2M | −$7.1M | −$1.1M | $3.1M |
| Net income | $4.6M | $4.6M | $17.7M | $52.5M | $17.3M | −$51.8M | −$15.4M | $10.7M |
| Net income to common | $4.6M | $4.6M | $17.7M | $52.5M | $17.3M | −$51.8M | — | — |
| Diluted EPS | $1.64 | $1.10 | $2.05 | $2.94 | $0.92 | −$2.73 | −$0.31 | $0.11 |
| Diluted shares | 0.00B | 4.15B | 0.01B | 0.02B | 0.02B | 0.02B | 0.05B | 0.10B |
| Cash flow | ||||||||
| Cash from operations | −$4.6M | −$20.6M | −$108M | $59.2M | $93.9M | $44.1M | −$6.3M | $13.6M |
| Capital expenditure | $1.5M | $1.1M | $3.0M | $1.2M | $0.5M | $1.0M | $0.6M | $1.7M |
| Free cash flow | −$6.1M | −$21.7M | −$111M | $58.0M | $93.5M | $43.1M | −$6.9M | $11.9M |
| Depreciation and amortization | $0.4M | $0.5M | $0.9M | $2.1M | $2.0M | $1.7M | $1.5M | $1.4M |
| Stock-based compensation | $0.1M | $0.2M | $0.6M | $1.3M | — | — | — | — |
| Acquisitions | — | $7.0M | $0.0M | −$44.1M | $0.0M | $0.0M | — | — |
| Dividends paid | $1.5M | $2.5M | $2.4M | $7.2M | $9.2M | $4.6M | $0.0M | $22.6M |
| Dividends and buybacks | $1.5M | $2.5M | $2.4M | $7.2M | $9.2M | $4.6M | $0.0M | $22.6M |
| Balance sheet | ||||||||
| Total debt | $9.8M | $9.8M | — | — | — | — | — | — |
| Loans, net | $411M | $642M | $1.0B | $1.8B | $2.4B | $2.4B | — | — |
| Deposits | $415M | $722M | $945M | $2.3B | $2.5B | $2.6B | $2.2B | $1.9B |
| Property and equipment, net | $3.3M | $13.7M | $14.8M | $26.6M | $23.2M | $22.3M | $21.4M | $21.5M |
| Goodwill | $2.7M | $19.9M | $19.6M | $26.8M | $26.8M | $0.0M | — | — |
| Intangible assets | $1.3M | $3.7M | $2.6M | $7.6M | $6.6M | $5.4M | — | — |
| Total assets | $540M | $961M | $1.5B | $2.7B | $3.1B | $3.1B | $2.7B | $2.4B |
| Total liabilities | $500M | $868M | $1.4B | $2.4B | $2.9B | $2.9B | $2.4B | $2.1B |
| Preferred stock | — | — | — | — | — | $0.0M | — | — |
| Shareholders' equity | $39.4M | $92.1M | $108M | $277M | $249M | $186M | $328M | $324M |
| Margins | ||||||||
| Net margin | 14.0% | 9.2% | 15.9% | 29.2% | 11.4% | −42.6% | −16.7% | 11.7% |
| FCF margin | −18.6% | −43.7% | −100.1% | 32.3% | 61.2% | 35.5% | −7.5% | 13.0% |
| Net interest share of revenue | 53.1% | 43.0% | 40.0% | 51.5% | 68.5% | 76.6% | 85.3% | 86.0% |
| Efficiency ratio | 62.8% | 66.1% | 60.4% | 61.8% | 68.6% | 130.1% | 123.4% | 89.3% |
| Returns | ||||||||
| Return on equity | 11.6% | 7.0% | 17.7% | 27.3% | 6.6% | −23.8% | −6.0% | 3.3% |
| Return on assets | 0.8% | 0.6% | 1.4% | 2.5% | 0.6% | −1.7% | −0.5% | 0.4% |
| Return on tangible equity | 12.9% | 6.7% | 20.6% | 21.6% | 8.0% | −28.7% | −4.7% | 3.3% |
| Growth | ||||||||
| Revenue growth | — | 52.6% | 124.0% | 61.3% | −14.9% | −20.5% | −24.0% | −0.6% |
| Net income growth | — | 0.4% | 286.4% | 196.5% | −67.0% | −398.7% | — | — |
| EPS growth | — | −32.9% | 86.4% | 43.4% | −68.7% | −396.7% | — | — |
| FCF growth | — | — | — | — | 61.2% | −53.9% | −116.0% | — |
| Share count change | — | 148,106,328.6% | −99.8% | 109.1% | 5.5% | 0.6% | 159.4% | 98.0% |
| Financial health | ||||||||
| Debt / equity | 0.2x | 0.1x | — | — | — | — | — | — |
| Loans / deposits | 99.1% | 89.0% | 107.6% | 78.7% | 96.3% | 94.7% | — | — |
| Provision / loans | 0.3% | 0.3% | 1.0% | 0.0% | 1.1% | 0.9% | — | — |
| Capital allocation | ||||||||
| Capex / revenue | 4.6% | 2.3% | 2.7% | 0.7% | 0.3% | 0.8% | 0.6% | 1.8% |
| Stock comp / revenue | 0.4% | 0.5% | 0.5% | 0.7% | — | — | — | — |
| Payouts / FCF | — | — | — | 12.4% | 9.8% | 10.8% | — | 189.1% |
| Quality scores | ||||||||
| Piotroski F-score | — | 2.0 | — | — | — | — | — | — |
| Accruals ratio | 1.7% | 3.4% | 10.3% | −0.3% | −2.6% | −3.1% | −0.3% | −0.1% |
Source: SEC EDGAR XBRL filings (CIK 0000842717). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.