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Blue Ridge Bankshares (BRBS) Financials

Blue Ridge Bankshares logo
$3.51 0.00 (0.00%)
Closing price 04:00 PM Eastern
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$3.51 0.00 (0.00%)
As of 04:04 PM Eastern
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Annual Income Statements for Blue Ridge Bankshares

Annual Income Statements for Blue Ridge Bankshares

This table shows Blue Ridge Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Net Income / (Loss) Attributable to Common Shareholders		 -15 -52 35 105
Consolidated Net Income / (Loss)		 -15 -52 17 52
Net Income / (Loss) Continuing Operations		 -15 -52 17 53
Total Pre-Tax Income 		-17 -59 22 68
Total Revenue		 92 121 153 179
Net Interest Income / (Expense)		 79 93 105 92
Total Interest Income		 160 169 122 104
Loans and Leases Interest Income		 142 153 111 98
Federal Funds Sold and Securities Borrowed Interest Income		 18 16 11 5.61
Total Interest Expense		 82 76 17 11
Deposits Interest Expense		 69 60 11 6.44
Short-Term Borrowings Interest Expense		 10 14 3.61 2.00
Long-Term Debt Interest Expense		 2.41 2.21 2.22 2.63
Total Non-Interest Income		 14 28 48 87
Trust Fees by Commissions		 2.43 1.84 1.77 2.37
Service Charges on Deposit Accounts		 1.53 1.26 1.29 1.46
Other Service Charges		 8.03 11 6.76 5.34
Net Realized & Unrealized Capital Gains on Investments		 -12 3.42 14 33
Other Non-Interest Income		 13 11 24 45
Provision for Credit Losses		 -5.10 22 26 0.12
Total Non-Interest Expense		 114 158 105 111
Salaries and Employee Benefits		 58 58 56 61
Net Occupancy & Equipment Expense		 16 17 11 11
Marketing Expense		 0.93 1.16 1.46 1.36
Property & Liability Insurance Claims		 7.51 5.06 4.34 1.01
Other Operating Expenses		 31 49 31 23
Amortization Expense		 1.08 1.30 1.53 1.67
Impairment Charge		 0.00 27 0.00 0.00
Income Tax Expense		 -1.12 -7.07 5.20 16
Weighted Average Basic Shares Outstanding		 87.79M 19.20M 18.95M 18.77M
Weighted Average Diluted Shares Outstanding		 87.79M 19.20M 18.95M 18.77M
Weighted Average Basic & Diluted Shares Outstanding		 87.79M 19.20M 18.95M 18.77M

Quarterly Income Statements for Blue Ridge Bankshares

This table shows Blue Ridge Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 -1.85 0.95 -12 -2.89 -5.76 -41 -8.61 3.97 -8.55 5.47
Consolidated Net Income / (Loss)		 -2.00 0.95 -11 -2.89 -5.76 -41 -8.61 3.97 -4.28 2.74
Net Income / (Loss) Continuing Operations		 -2.00 0.95 -11 -2.89 -1.07 -46 -8.61 3.97 -4.28 2.74
Total Pre-Tax Income 		-2.70 1.55 -12 -3.30 -7.48 -46 -10 5.14 -5.37 3.54
Total Revenue		 22 22 20 28 26 30 34 32 34 37
Net Interest Income / (Expense)		 19 19 20 20 22 22 24 25 28 29
Total Interest Income		 38 39 41 43 43 42 42 41 36 33
Loans and Leases Interest Income		 33 35 36 38 39 39 38 37 33 30
Federal Funds Sold and Securities Borrowed Interest Income		 4.88 4.48 4.44 4.19 4.23 3.93 4.13 3.76 3.35 2.94
Total Interest Expense		 19 20 21 22 21 20 19 16 8.33 4.47
Deposits Interest Expense		 16 17 17 18 18 16 15 11 5.13 3.03
Short-Term Borrowings Interest Expense		 1.74 2.57 2.72 3.14 2.96 3.61 3.40 3.81 2.65 0.87
Long-Term Debt Interest Expense		 0.74 0.57 0.55 0.56 0.54 0.57 0.55 0.55 0.55 0.57
Total Non-Interest Income		 2.70 2.74 0.31 7.83 3.94 7.42 9.74 7.28 5.84 7.97
Trust Fees by Commissions		 0.56 0.73 0.62 0.52 0.48 0.46 0.46 0.43 0.45 0.51
Service Charges on Deposit Accounts		 0.29 0.42 0.42 0.40 0.20 0.37 0.35 0.34 0.29 0.35
Other Service Charges		 1.94 -1.32 3.85 3.56 4.03 3.59 2.83 0.33 1.16 1.67
Net Realized & Unrealized Capital Gains on Investments		 -2.46 -0.84 -8.53 0.10 -0.45 -0.59 2.10 2.36 9.65 1.52
Other Non-Interest Income		 2.37 3.76 3.94 3.24 -0.32 3.59 4.00 3.82 -5.71 3.92
Provision for Credit Losses		 -1.00 -6.20 3.10 -1.00 2.77 11 10 -1.51 12 3.90
Total Non-Interest Expense		 26 26 29 32 30 65 34 29 28 29
Salaries and Employee Benefits		 13 14 15 16 14 15 15 15 12 14
Net Occupancy & Equipment Expense		 6.61 4.16 2.20 2.63 6.28 4.37 3.04 2.92 2.95 2.75
Marketing Expense		 0.23 0.22 0.18 0.30 0.18 0.35 0.34 0.29 0.32 0.30
Property & Liability Insurance Claims		 1.77 1.74 2.18 1.82 -3.14 2.23 4.00 1.96 3.55 0.46
Other Operating Expenses		 3.42 6.17 9.57 11 13 16 12 8.04 8.51 11
Amortization Expense		 0.26 0.27 0.28 0.29 0.30 0.31 0.34 0.36 0.37 0.38
Income Tax Expense		 -0.70 0.60 -0.62 -0.41 - - -1.83 1.17 -1.10 0.80
Weighted Average Basic Shares Outstanding		 87.79M 73.52M 73.50M 22.98M 19.20M 19.19M 19.19M 18.94M 18.95M 18.95M
Weighted Average Diluted Shares Outstanding		 87.79M 73.52M 73.50M 22.98M 19.20M 19.19M 19.19M 18.94M 18.95M 18.95M
Weighted Average Basic & Diluted Shares Outstanding		 87.79M 73.52M 73.50M 22.98M 19.20M 19.19M 19.19M 18.94M 18.95M 18.95M

Annual Cash Flow Statements for Blue Ridge Bankshares

This table details how cash moves in and out of Blue Ridge Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Net Change in Cash & Equivalents		 55 44 -53 13
Net Cash From Operating Activities		 -6.31 44 94 59
Net Cash From Continuing Operating Activities		 0.00 0.00 94 59
Net Income / (Loss) Continuing Operations		 -15 -52 17 53
Consolidated Net Income / (Loss)		 -15 -52 - -
Provision For Loan Losses		 -5.10 22 26 0.12
Depreciation Expense		 1.53 1.70 1.98 2.14
Amortization Expense		 1.63 1.98 2.89 3.74
Non-Cash Adjustments to Reconcile Net Income		 36 63 41 -1.06
Changes in Operating Assets and Liabilities, net		 -25 6.43 5.66 1.43
Net Cash From Discontinued Operating Activities		 0.00 0.00 0.06 0.22
Net Cash From Investing Activities		 419 -23 -628 52
Net Cash From Continuing Investing Activities		 0.00 0.00 -628 53
Purchase of Property, Leasehold Improvements and Equipment		 -0.59 -0.96 -0.46 -1.22
Purchase of Investment Securities		 303 -63 -725 -301
Sale of Property, Leasehold Improvements and Equipment		 0.00 1.02 2.21 0.55
Sale and/or Maturity of Investments		 113 43 34 779
Net Increase in Fed Funds Sold		 3.61 -3.03 42 -41
Net Cash From Discontinued Investing Activities		 0.00 0.00 0.25 -0.17
Net Cash From Financing Activities		 -358 23 481 -99
Net Cash From Continuing Financing Activities		 -359 23 481 -99
Net Change in Deposits		 -386 64 206 325
Issuance of Debt		 726 2,005 823 1,155
Issuance of Common Equity		 152 0.00 - -
Repayment of Debt		 -851 -2,042 -539 -1,573
Payment of Dividends		 0.00 -4.56 -9.10 -7.18
Other Financing Activities, Net		 0.00 0.03 0.01 0.80
Cash Interest Paid		 84 68 16 12
Cash Income Taxes Paid		 0.00 6.66 2.08 10

Quarterly Cash Flow Statements for Blue Ridge Bankshares

This table details how cash moves in and out of Blue Ridge Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -110 155 2.33 7.05 -117 107 -95 149 -21 23
Net Cash From Operating Activities		 -18 24 -4.82 -7.52 20 0.94 12 10 -29 13
Net Cash From Continuing Operating Activities		 -12 24 -12 0.00 -24 0.94 23 0.00 -29 13
Net Income / (Loss) Continuing Operations		 -2.00 0.95 -11 -2.89 -5.76 -41 -8.61 3.97 -4.28 2.74
Consolidated Net Income / (Loss)		 -2.00 0.95 -11 -2.89 -5.76 -41 -8.61 3.97 - -
Provision For Loan Losses		 -1.00 -6.20 3.10 -1.00 2.77 11 10 -1.51 12 3.90
Depreciation Expense		 0.36 0.36 0.38 0.43 0.41 0.41 0.43 0.44 0.46 0.48
Amortization Expense		 0.37 0.41 0.43 0.43 0.45 0.48 0.53 0.53 0.61 0.67
Non-Cash Adjustments to Reconcile Net Income		 -6.35 36 3.42 2.56 13 38 11 1.53 -46 13
Changes in Operating Assets and Liabilities, net		 -9.48 -7.27 -0.70 -7.05 9.12 -7.40 -0.51 5.22 9.15 -8.26
Net Cash From Investing Activities		 114 124 137 45 12 12 -1.99 -45 -245 -77
Net Cash From Continuing Investing Activities		 -305 124 181 0.00 35 12 -47 0.00 -245 -77
Purchase of Property, Leasehold Improvements and Equipment		 -0.13 -0.25 -0.16 -0.05 -0.25 -0.07 -0.11 -0.54 -0.19 -0.04
Purchase of Investment Securities		 72 82 111 38 3.26 -1.71 -12 -52 -265 -113
Sale and/or Maturity of Investments		 40 40 24 9.05 11 18 4.97 8.57 9.83 8.68
Net Increase in Fed Funds Sold		 2.07 2.31 1.63 -2.40 -1.87 -0.09 -0.52 -0.55 9.16 25
Net Cash From Financing Activities		 -206 7.50 -129 -30 -150 94 -105 184 253 87
Net Cash From Continuing Financing Activities		 -207 7.50 -160 0.00 -150 94 79 0.00 253 87
Net Change in Deposits		 -167 21 -140 -100 -210 163 -148 259 93 74
Issuance of Common Equity		 -0.01 -0.33 - - - - - - - -
Repayment of Debt		 -40 -153 -378 -280 -380 -489 -590 -583 -326 -185
Cash Interest Paid		 19 21 23 21 19 20 16 13 7.22 4.40

Annual Balance Sheets for Blue Ridge Bankshares

This table presents Blue Ridge Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Total Assets		 2,737 3,118 3,130 2,665
Cash and Due from Banks		 174 110 77 131
Restricted Cash		 2.46 11 0.00 -
Federal Funds Sold		 0.84 4.45 1.43 44
Trading Account Securities		 312 321 354 374
Loans and Leases, Net of Allowance		 2,089 2,395 2,368 1,765
Loans and Leases		 2,112 2,431 2,399 1,777
Allowance for Loan and Lease Losses		 23 36 31 12
Loans Held for Sale		 31 46 70 122
Accrued Investment Income		 13 15 12 9.57
Premises and Equipment, Net		 21 22 23 27
Mortgage Servicing Rights		 0.39 27 29 16
Intangible Assets		 3.86 5.38 6.58 7.59
Other Assets		 90 160 150 113
Total Liabilities & Shareholders' Equity		 2,737 3,118 3,130 2,665
Total Liabilities		 2,409 2,932 2,882 2,388
Non-Interest Bearing Deposits		 453 506 640 686
Interest Bearing Deposits		 1,727 2,060 1,862 1,612
Long-Term Debt		 190 315 352 68
Other Long-Term Liabilities		 40 51 27 22
Commitments & Contingencies		 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 328 186 249 277
Total Preferred & Common Equity		 328 186 0.00 277
Total Common Equity		 328 186 249 277
Common Stock		 352 198 196 195
Retained Earnings		 18 33 98 86
Accumulated Other Comprehensive Income / (Loss)		 -42 -45 -45 -3.63

Quarterly Balance Sheets for Blue Ridge Bankshares

This table presents Blue Ridge Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 2,945 2,933 3,076 3,263 3,214 3,324 2,880
Cash and Due from Banks		 282 125 117 239 132 226 98
Restricted Cash		 4.16 5.92 11 - - - -
Federal Funds Sold		 2.91 5.22 6.85 2.58 2.49 1.98 11
Trading Account Securities		 315 307 314 314 341 352 360
Loans and Leases, Net of Allowance		 2,155 2,231 2,359 2,390 2,409 2,409 2,138
Loans and Leases		 2,180 2,259 2,394 2,440 2,447 2,445 2,158
Allowance for Loan and Lease Losses		 25 28 35 50 39 36 21
Loans Held for Sale		 22 54 35 70 64 77 26
Accrued Investment Income		 13 14 15 16 15 14 9.58
Premises and Equipment, Net		 22 22 22 23 23 23 24
Mortgage Servicing Rights		 20 30 28 29 28 27 30
Intangible Assets		 4.20 4.55 5.01 5.52 5.93 6.20 7.02
Other Assets		 106 134 163 168 160 153 137
Total Liabilities & Shareholders' Equity		 2,945 2,933 3,076 3,263 3,214 3,324 2,880
Total Liabilities		 2,608 2,607 2,895 3,080 2,983 3,077 2,629
Non-Interest Bearing Deposits		 460 470 496 573 576 595 788
Interest Bearing Deposits		 1,887 1,856 1,969 2,203 2,037 2,167 1,622
Long-Term Debt		 230 243 385 255 324 279 190
Other Long-Term Liabilities		 32 39 45 49 46 37 29
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 336 326 181 183 231 247 251
Total Preferred & Common Equity		 336 326 181 183 231 247 251
Preferred Stock		 0.14 0.14 - - - - -
Total Common Equity		 336 325 181 183 231 247 251
Common Stock		 351 351 198 198 197 197 196
Retained Earnings		 20 19 30 39 80 91 104
Accumulated Other Comprehensive Income / (Loss)		 -34 -44 -48 -54 -46 -41 -49

Annual Metrics And Ratios for Blue Ridge Bankshares

This table displays calculated financial ratios and metrics derived from Blue Ridge Bankshares' official financial filings.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Growth Metrics		 - - - -
Revenue Growth		 -24.03% -20.47% -14.94% 78.83%
EBITDA Growth		 75.81% -303.82% -63.55% 192.09%
EBIT Growth		 71.95% -365.11% -67.53% 201.51%
NOPAT Growth		 71.95% -342.34% -67.70% 195.03%
Net Income Growth		 70.28% -398.68% -66.97% 196.55%
EPS Growth		 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -114.32% -53.10% 58.63% 154.65%
Free Cash Flow Firm Growth		 -148.41% 124.52% -200.63% 183.22%
Invested Capital Growth		 3.34% -16.59% 73.98% -34.80%
Revenue Q/Q Growth		 -4.03% -6.38% 0.00% 0.00%
EBITDA Q/Q Growth		 25.86% -4.41% 0.00% 0.00%
EBIT Q/Q Growth		 22.46% -3.72% 0.00% 0.00%
NOPAT Q/Q Growth		 22.46% -3.72% 0.00% 0.00%
Net Income Q/Q Growth		 19.62% -2.95% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 -119.56% 891.09% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 80.27% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 -8.58% 14.42% 0.00% 0.00%
Profitability Metrics		 - - - -
EBITDA Margin		 -14.47% -45.43% 17.73% 41.37%
EBIT Margin		 -17.90% -48.46% 14.54% 38.09%
Profit (Net Income) Margin		 -16.68% -42.64% 11.35% 29.24%
Tax Burden Percent		 93.20% 87.98% 78.10% 76.77%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 23.42% 23.02%
Return on Invested Capital (ROIC)		 -2.27% -7.48% 3.60% 12.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 -3.79% -10.66% 3.76% 11.98%
Return on Net Nonoperating Assets (RNNOA)		 -3.72% -16.34% 3.00% 15.20%
Return on Equity (ROE)		 -5.99% -23.82% 6.59% 27.24%
Cash Return on Invested Capital (CROIC)		 -5.56% 10.61% -50.41% 54.17%
Operating Return on Assets (OROA)		 -0.56% -1.88% 0.77% 3.28%
Return on Assets (ROA)		 -0.53% -1.66% 0.60% 2.52%
Return on Common Equity (ROCE)		 -5.99% -23.82% 6.59% 27.21%
Return on Equity Simple (ROE_SIMPLE)		 -4.69% -27.84% 0.00% 18.95%
Net Operating Profit after Tax (NOPAT)		 -12 -41 17 53
NOPAT Margin		 -12.53% -33.93% 11.13% 29.32%
Net Nonoperating Expense Percent (NNEP)		 1.52% 3.18% -0.16% 0.06%
SG&A Expenses to Revenue		 80.98% 62.53% 44.53% 40.95%
Operating Expenses to Revenue		 123.43% 130.08% 68.63% 61.84%
Earnings before Interest and Taxes (EBIT)		 -17 -59 22 68
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -13 -55 27 74
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 0.86 0.31 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.87 0.32 0.00 0.00
Price to Revenue (P/Rev)		 3.06 0.48 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 20.21% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.57 0.49 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 3.21 2.04 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 5.62 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.23 0.00 0.00
Leverage & Solvency		 - - - -
Debt to Equity		 0.58 1.69 1.41 0.25
Long-Term Debt to Equity		 0.58 1.69 1.41 0.25
Financial Leverage		 0.98 1.53 0.80 1.27
Leverage Ratio		 11.40 14.37 11.02 10.80
Compound Leverage Factor		 11.40 14.37 11.02 10.80
Debt to Total Capital		 36.67% 62.86% 58.57% 19.70%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 36.67% 62.86% 58.57% 19.70%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.07%
Common Equity to Total Capital		 63.33% 37.14% 41.43% 80.23%
Debt to EBITDA		 -14.22 -5.71 12.99 0.92
Net Debt to EBITDA		 -0.97 -3.43 10.09 -1.43
Long-Term Debt to EBITDA		 -14.22 -5.71 12.99 0.92
Debt to NOPAT		 -16.43 -7.64 20.69 1.29
Net Debt to NOPAT		 -1.12 -4.59 16.06 -2.02
Long-Term Debt to NOPAT		 -16.43 -7.64 20.69 1.29
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.04% 0.12%
Liquidity Ratios		 - - - -
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 -28 58 -238 237
Operating Cash Flow to CapEx		 -1,080.48% 0.00% 0.00% 8,837.76%
Free Cash Flow to Firm to Interest Expense		 -0.35 0.77 -13.95 21.40
Operating Cash Flow to Interest Expense		 -0.08 0.58 5.50 5.35
Operating Cash Flow Less CapEx to Interest Expense		 -0.08 0.58 5.60 5.29
Efficiency Ratios		 - - - -
Asset Turnover		 0.03 0.04 0.05 0.09
Fixed Asset Turnover		 4.22 5.34 6.13 8.66
Capital & Investment Metrics		 - - - -
Invested Capital		 518 501 600 345
Invested Capital Turnover		 0.18 0.22 0.32 0.41
Increase / (Decrease) in Invested Capital		 17 -100 255 -184
Enterprise Value (EV)		 296 247 0.00 0.00
Market Capitalization		 283 58 0.00 0.00
Book Value per Share		 $4.46 $9.69 $13.13 $22.31
Tangible Book Value per Share		 $4.41 $9.41 $11.37 $19.54
Total Capital		 518 501 600 345
Total Debt		 190 315 352 68
Total Long-Term Debt		 190 315 352 68
Net Debt		 13 189 273 -106
Capital Expenditures (CapEx)		 0.58 -0.06 -1.76 0.67
Net Nonoperating Expense (NNE)		 3.83 11 -0.34 0.14
Net Nonoperating Obligations (NNO)		 190 315 352 68
Total Depreciation and Amortization (D&A)		 3.16 3.68 4.87 5.89
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 87.79M 19.20M 0.00 18.77M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 87.79M 19.20M 0.00 18.77M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $2.94
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 87.79M 19.20M 0.00 18.77M
Normalized Net Operating Profit after Tax (NOPAT)		 -12 -22 17 62
Normalized NOPAT Margin		 -12.53% -18.46% 11.16% 34.41%
Pre Tax Income Margin		 -17.90% -48.46% 14.54% 38.09%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 -0.20 -0.77 1.30 6.18
NOPAT to Interest Expense		 -0.14 -0.54 0.99 4.76
EBIT Less CapEx to Interest Expense		 -0.21 -0.77 1.40 6.12
NOPAT Less CapEx to Interest Expense		 -0.15 -0.54 1.10 4.70
Payout Ratios		 - - - -
Dividend Payout Ratio		 0.00% -8.82% 52.51% 13.69%
Augmented Payout Ratio		 0.00% -8.82% 52.51% 13.69%

Quarterly Metrics And Ratios for Blue Ridge Bankshares

This table displays calculated financial ratios and metrics derived from Blue Ridge Bankshares' official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -15.08% -26.23% -39.35% -13.25% -24.34% -19.21% -1.91% -32.00% 0.00% 6.47%
EBITDA Growth		 70.23% 103.96% -24.26% -139.86% -54.18% -1,269.03% -447.87% -74.49% 0.00% -58.91%
EBIT Growth		 63.90% 103.35% -15.44% -164.18% -39.24% -1,402.35% -815.00% -77.22% 0.00% -61.02%
NOPAT Growth		 63.90% 102.93% -15.44% -158.19% -39.24% -1,278.54% -753.60% -77.21% 0.00% -60.12%
Net Income Growth		 65.22% 102.29% -32.76% -172.87% -34.65% -1,612.10% -870.39% -77.64% 0.00% -59.80%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -188.47% 0.00% 0.00% -173.86% 170.20% 0.00% -15.03% -89.29% -163.80% 0.00%
Free Cash Flow Firm Growth		 -119.73% -334.28% 96.18% 91.89% 0.00% 93.29% 0.00% 0.00% 0.00% 0.00%
Invested Capital Growth		 3.34% 29.34% 2.36% 7.61% -16.59% -0.66% 0.00% 0.00% 0.00% 0.00%
Revenue Q/Q Growth		 -0.06% 7.10% -27.62% 0.00% -13.18% -11.95% 3.53% 0.00% -7.29% 6.90%
EBITDA Q/Q Growth		 -209.01% 115.37% -383.37% 0.00% 85.51% -382.86% -255.04% 0.00% -209.84% 43.69%
EBIT Q/Q Growth		 -274.82% 112.82% -265.18% 0.00% 83.76% -341.27% -303.01% 0.00% -251.94% 142.26%
NOPAT Q/Q Growth		 -299.86% 111.21% -265.18% 0.00% 83.76% -341.27% -284.06% 0.00% -237.49% 144.72%
Net Income Q/Q Growth		 -311.73% 108.27% -295.26% 0.00% 86.08% -380.33% -316.95% 0.00% -256.32% 144.72%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 150.00%
Operating Cash Flow Q/Q Growth		 -175.04% 0.00% 0.00% 0.00% 2,086.75% 0.00% 25.51% 134.91% -324.80% 0.00%
Free Cash Flow Firm Q/Q Growth		 85.39% -492.67% 49.16% 0.00% 421.48% 94.78% -7.82% 0.00% 100.00% 0.00%
Invested Capital Q/Q Growth		 -8.58% -0.38% 0.46% 0.00% 14.42% -21.17% 5.62% 0.00% 36.29% 0.00%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 -9.04% 8.29% -57.74% -8.65% -25.79% -154.54% -28.18% 18.82% -12.65% 10.68%
EBIT Margin		 -12.37% 7.07% -59.09% -11.71% -29.11% -155.58% -31.04% 15.83% -15.82% 9.65%
Profit (Net Income) Margin		 -9.18% 4.33% -56.07% -10.27% -22.41% -139.73% -25.61% 12.22% -12.59% 7.47%
Tax Burden Percent		 74.16% 61.23% 94.89% 87.67% 76.96% 89.81% 82.51% 77.21% 79.59% 77.35%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 38.77% 0.00% 0.00% 0.00% 0.00% 0.00% 22.79% 0.00% 22.65%
Return on Invested Capital (ROIC)		 -1.57% 0.00% 0.00% 0.00% -4.49% 0.00% -22.38% 13.49% -2.82% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 -1.61% 0.00% 0.00% 0.00% -4.65% 0.00% -23.19% 13.49% -2.96% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 -1.58% 0.00% 0.00% 0.00% -7.13% 0.00% -32.48% 15.25% -4.19% 0.00%
Return on Equity (ROE)		 -3.15% 0.00% 0.00% 0.00% -11.62% 0.00% -54.87% 28.74% -7.00% 0.00%
Cash Return on Invested Capital (CROIC)		 -5.56% 0.00% 0.00% 0.00% 10.61% 0.00% 0.00% 0.00% -39.69% 0.00%
Operating Return on Assets (OROA)		 -0.39% 0.00% 0.00% 0.00% -1.13% 0.00% -2.76% 1.38% -0.83% 0.00%
Return on Assets (ROA)		 -0.29% 0.00% 0.00% 0.00% -0.87% 0.00% -2.28% 1.07% -0.66% 0.00%
Return on Common Equity (ROCE)		 -3.15% 0.00% 0.00% 0.00% -11.62% 0.00% -54.87% 28.74% -7.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -3.81% 4.77% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 -1.89 0.95 -8.44 -2.31 -5.24 -32 -7.31 3.97 -3.76 2.74
NOPAT Margin		 -8.66% 4.33% -41.37% -8.20% -20.38% -108.91% -21.73% 12.22% -11.07% 7.47%
Net Nonoperating Expense Percent (NNEP)		 0.04% 0.00% 1.06% 0.18% 0.16% 4.10% 0.81% 0.00% 0.15% 0.00%
SG&A Expenses to Revenue		 92.03% 83.89% 84.90% 67.34% 78.48% 65.38% 53.23% 56.93% 44.54% 47.02%
Operating Expenses to Revenue		 116.96% 121.31% 143.89% 115.26% 118.34% 218.26% 101.27% 88.82% 81.11% 79.71%
Earnings before Interest and Taxes (EBIT)		 -2.70 1.55 -12 -3.30 -7.48 -46 -10 5.14 -5.37 3.54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -1.97 1.81 -12 -2.44 -6.63 -46 -9.48 6.11 -4.30 3.91
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 0.00 0.00 0.00 0.31 0.00 0.00 0.00 0.92 0.00
Price to Tangible Book Value (P/TBV)		 0.87 0.00 0.00 0.00 0.32 0.00 0.00 0.00 1.06 0.00
Price to Revenue (P/Rev)		 3.06 0.00 0.00 0.00 0.48 0.00 0.00 0.00 1.50 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.61 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 20.21% 0.00% 0.00% 0.00% 4.03% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 15.13% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.57 0.00 0.00 0.00 0.49 0.00 0.00 0.00 0.84 0.00
Enterprise Value to Revenue (EV/Rev)		 3.21 0.00 0.00 0.00 2.04 0.00 0.00 0.00 3.29 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.55 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22.62 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29.54 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 5.62 0.00 0.00 0.00 5.35 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 4.23 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.58 0.68 0.75 2.13 1.69 1.39 1.40 1.13 1.41 0.76
Long-Term Debt to Equity		 0.58 0.68 0.75 2.13 1.69 1.39 1.40 1.13 1.41 0.76
Financial Leverage		 0.98 0.93 1.02 1.55 1.53 1.03 1.40 1.13 1.41 0.76
Leverage Ratio		 11.40 11.96 11.04 14.97 14.37 14.17 13.90 13.47 11.02 11.50
Compound Leverage Factor		 11.40 11.96 11.04 14.97 14.37 14.17 13.90 13.47 11.02 11.50
Debt to Total Capital		 36.67% 40.59% 42.71% 68.02% 62.86% 58.23% 58.35% 53.07% 58.57% 43.14%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 36.67% 40.59% 42.71% 68.02% 62.86% 58.23% 58.35% 53.07% 58.57% 43.14%
Preferred Equity to Total Capital		 0.00% 0.02% 0.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 63.33% 59.39% 57.27% 31.98% 37.14% 41.77% 41.65% 46.93% 41.43% 56.86%
Debt to EBITDA		 -14.22 0.00 0.00 0.00 -5.71 0.00 2.34 1.70 12.99 0.00
Net Debt to EBITDA		 -0.97 0.00 0.00 0.00 -3.43 0.00 1.37 0.31 10.09 0.00
Long-Term Debt to EBITDA		 -14.22 0.00 0.00 0.00 -5.71 0.00 2.34 1.70 12.99 0.00
Debt to NOPAT		 -16.43 0.00 0.00 0.00 -7.64 0.00 -43.95 23.72 20.69 0.00
Net Debt to NOPAT		 -1.12 0.00 0.00 0.00 -4.59 0.00 -25.73 4.31 16.06 0.00
Long-Term Debt to NOPAT		 -16.43 0.00 0.00 0.00 -7.64 0.00 -43.95 23.72 20.69 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.04% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -19 -127 -22 -42 94 -29 -563 -522 0.00 -438
Operating Cash Flow to CapEx		 -13,514.18% 0.00% 0.00% -14,184.91% 8,636.29% 0.00% 11,940.19% 1,899.07% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.99 -6.34 -1.05 -1.91 4.41 -1.45 -30.29 -33.25 0.00 -97.98
Operating Cash Flow to Interest Expense		 -0.96 0.00 0.00 -0.34 0.96 0.00 0.69 0.65 -3.50 0.00
Operating Cash Flow Less CapEx to Interest Expense		 -0.97 0.00 0.00 -0.34 0.95 0.00 0.68 0.61 -3.49 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.00 0.00 0.00 0.04 0.00 0.09 0.09 0.05 0.00
Fixed Asset Turnover		 4.22 0.00 0.00 0.00 5.34 0.00 12.51 12.48 6.13 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 518 566 568 566 501 438 555 526 600 441
Invested Capital Turnover		 0.18 0.00 0.00 0.00 0.22 0.00 1.03 1.10 0.25 0.00
Increase / (Decrease) in Invested Capital		 17 128 13 40 -100 -2.89 555 526 0.00 441
Enterprise Value (EV)		 296 0.00 0.00 0.00 247 0.00 0.00 0.00 502 0.00
Market Capitalization		 283 0.00 0.00 0.00 58 0.00 0.00 0.00 229 0.00
Book Value per Share		 $4.46 $4.57 $14.16 $9.42 $9.69 $9.53 $12.21 $13.02 $13.13 $13.35
Tangible Book Value per Share		 $4.41 $4.52 $13.96 $9.16 $9.41 $9.24 $10.48 $11.28 $11.37 $11.54
Total Capital		 518 566 568 566 501 438 555 526 600 441
Total Debt		 190 230 243 385 315 255 324 279 352 190
Total Long-Term Debt		 190 230 243 385 315 255 324 279 352 190
Net Debt		 13 -59 107 250 189 14 190 51 273 81
Capital Expenditures (CapEx)		 0.13 0.00 0.00 0.05 0.24 0.00 0.11 0.54 -0.08 0.00
Net Nonoperating Expense (NNE)		 0.11 0.00 3.00 0.58 0.52 9.13 1.31 0.00 0.52 0.00
Net Nonoperating Obligations (NNO)		 190 230 243 385 315 255 324 279 352 190
Total Depreciation and Amortization (D&A)		 0.73 0.27 0.28 0.86 0.86 0.31 0.96 0.97 1.08 0.38
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 ($2.18) $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 87.79M 73.52M 73.50M 22.98M 19.20M 19.19M 0.00 0.00 18.95M 18.95M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 ($2.18) $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 87.79M 73.52M 73.50M 22.98M 19.20M 19.19M 0.00 0.00 18.95M 18.95M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 87.79M 73.52M 73.50M 22.98M 19.20M 19.19M 0.00 0.00 18.95M 18.95M
Normalized Net Operating Profit after Tax (NOPAT)		 -1.89 0.95 -8.44 -2.31 -5.24 -13 -7.31 3.97 -3.76 2.74
Normalized NOPAT Margin		 -8.66% 4.33% -41.37% -8.20% -20.38% -45.48% -21.73% 12.22% -11.07% 7.47%
Pre Tax Income Margin		 -12.37% 7.07% -59.09% -11.71% -29.11% -155.58% -31.04% 15.83% -15.82% 9.65%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 -0.14 0.08 -0.59 -0.15 -0.35 -2.27 -0.56 0.33 -0.65 0.79
NOPAT to Interest Expense		 -0.10 0.05 -0.41 -0.10 -0.24 -1.59 -0.39 0.25 -0.45 0.61
EBIT Less CapEx to Interest Expense		 -0.15 0.00 0.00 -0.15 -0.36 0.00 -0.57 0.29 -0.64 0.00
NOPAT Less CapEx to Interest Expense		 -0.11 0.00 0.00 -0.11 -0.26 0.00 -0.40 0.22 -0.44 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% -8.82% 0.00% -103.42% 77.69% 52.51% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% -8.82% 0.00% -103.42% 77.69% 52.51% 0.00%

Frequently Asked Questions About Blue Ridge Bankshares' Financials

When does Blue Ridge Bankshares's financial year end?

According to the most recent income statement we have on file, Blue Ridge Bankshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Blue Ridge Bankshares' net income changed over the last 3 years?

Blue Ridge Bankshares' net income appears to be on a downward trend, with a most recent value of -$15.39 million in 2024, falling from $52.48 million in 2021. The previous period was -$51.77 million in 2023.

How has Blue Ridge Bankshares revenue changed over the last 3 years?

Over the last 3 years, Blue Ridge Bankshares' total revenue changed from $179.47 million in 2021 to $92.23 million in 2024, a change of -48.6%.

How much debt does Blue Ridge Bankshares have?

Blue Ridge Bankshares' total liabilities were at $2.41 billion at the end of 2024, a 17.8% decrease from 2023, and a 0.9% increase since 2021.

How much cash does Blue Ridge Bankshares have?

In the past 3 years, Blue Ridge Bankshares' cash and equivalents has ranged from $77.27 million in 2022 to $173.53 million in 2024, and is currently $173.53 million as of their latest financial filing in 2024.

How has Blue Ridge Bankshares' book value per share changed over the last 3 years?

Over the last 3 years, Blue Ridge Bankshares' book value per share changed from 22.31 in 2021 to 4.46 in 2024, a change of -80.0%.


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This page (NASDAQ:BRBS) was last updated on 5/29/2025 by MarketBeat.com Staff
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