Blue Ridge Bankshares (BRBS) Financials

$3.59 0.00 (0.00%)

Closing price 07/2/2026 04:00 PM Eastern

Extended Trading

$3.58 -0.01 (-0.39%)

As of 05:25 AM Eastern

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	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	9.12	9.16	35	105	35	-52	-15	11
Consolidated Net Income / (Loss)	4.57	4.60	18	52	17	-52	-15	11
Net Income / (Loss) Continuing Operations	4.57	4.60	18	53	17	-52	-15	11
Total Pre-Tax Income	5.72	5.58	23	68	22	-59	-17	14
Total Revenue	27	40	100	179	153	121	92	92
Net Interest Income / (Expense)	17	21	45	92	105	93	79	79
Total Interest Income	22	31	54	104	122	169	160	138
Loans and Leases Interest Income	20	27	52	98	111	153	142	121
Federal Funds Sold and Securities Borrowed Interest Income	0.02	0.01	2.90	5.61	11	16	18	16
Total Interest Expense	5.15	9.52	9.95	11	17	76	82	59
Deposits Interest Expense	3.51	6.21	6.25	6.44	11	60	69	51
Short-Term Borrowings Interest Expense	-	-	2.44	2.00	3.61	14	10	5.81
Long-Term Debt Interest Expense	1.64	3.31	1.27	2.63	2.22	2.21	2.41	2.01
Total Non-Interest Income	10	19	56	87	48	28	14	13
Trust Fees by Commissions	2.72	-	0.00	2.37	1.77	1.84	2.43	1.88
Service Charges on Deposit Accounts	0.64	0.65	0.91	1.46	1.29	1.26	1.53	2.57
Other Service Charges	2.02	1.91	7.92	5.34	6.76	11	8.77	4.30
Net Realized & Unrealized Capital Gains on Investments	4.54	0.30	0.88	33	14	3.42	-12	1.43
Other Non-Interest Income	0.20	16	46	45	24	11	13	2.66
Provision for Credit Losses	1.23	1.74	10	0.12	26	22	-5.10	-4.00
Total Non-Interest Expense	20	33	67	111	105	158	114	82
Salaries and Employee Benefits	12	19	45	61	56	58	58	46
Net Occupancy & Equipment Expense	2.73	4.44	5.95	11	11	17	16	15
Marketing Expense	0.49	0.81	0.73	1.36	1.46	1.16	0.93	1.20
Property & Liability Insurance Claims	0.66	2.20	0.75	1.01	4.34	5.06	7.51	2.78
Other Operating Expenses	4.75	6.07	12	23	31	49	31	16
Amortization Expense	-	-	0.63	1.67	1.53	1.30	1.08	0.91
Income Tax Expense	1.15	0.97	4.84	16	5.20	-7.07	-1.12	3.07
Weighted Average Basic Shares Outstanding	-	-	12.41M	18.77M	18.95M	19.20M	87.79M	91.34M
Weighted Average Diluted Shares Outstanding	-	-	12.41M	18.77M	18.95M	19.20M	87.79M	91.34M
Weighted Average Basic & Diluted Shares Outstanding	-	-	12.41M	18.77M	18.95M	19.20M	87.79M	91.34M

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	-41	-5.76	-2.89	-12	0.95	-1.85	-0.43	1.30	5.60	4.24	0.84
Consolidated Net Income / (Loss)	-41	-5.76	-2.89	-11	0.95	-2.00	-0.43	1.30	5.60	4.24	0.84
Net Income / (Loss) Continuing Operations	-46	-1.07	-2.89	-11	0.95	-2.00	-0.43	1.30	5.60	4.24	0.84
Total Pre-Tax Income	-46	-7.48	-3.30	-12	1.55	-2.70	-0.89	1.78	7.50	5.39	1.11
Total Revenue	30	26	28	20	22	22	22	23	26	21	19
Net Interest Income / (Expense)	22	22	20	20	19	19	19	20	22	18	17
Total Interest Income	42	43	43	41	39	38	35	35	36	31	29
Loans and Leases Interest Income	39	39	38	36	35	33	31	31	32	28	26
Federal Funds Sold and Securities Borrowed Interest Income	3.93	4.23	4.19	4.44	4.48	4.88	4.20	4.01	4.21	3.95	3.68
Total Interest Expense	20	21	22	21	20	19	16	15	14	13	12
Deposits Interest Expense	16	18	18	17	17	16	14	13	13	12	11
Short-Term Borrowings Interest Expense	3.61	2.96	3.14	2.72	2.57	1.74	1.43	1.45	1.46	1.46	1.43
Long-Term Debt Interest Expense	0.57	0.54	0.56	0.55	0.57	0.74	0.74	0.65	0.34	0.29	0.29
Total Non-Interest Income	7.42	3.94	7.79	0.27	2.70	2.70	3.07	3.24	3.83	2.69	2.35
Trust Fees by Commissions	0.46	0.48	0.52	0.62	0.73	0.56	0.45	0.41	0.46	0.56	0.46
Service Charges on Deposit Accounts	0.37	0.20	0.36	0.39	0.38	0.29	0.46	0.72	0.73	0.67	0.63
Other Service Charges	3.59	4.03	3.67	3.86	2.49	1.94	0.94	1.25	1.78	0.56	0.64
Net Realized & Unrealized Capital Gains on Investments	-0.59	-0.45	-0.01	-8.54	-1.01	-2.46	-0.07	-0.08	0.74	0.85	0.07
Other Non-Interest Income	3.59	-0.32	3.24	3.94	0.12	2.37	1.29	0.95	0.13	0.05	0.55
Provision for Credit Losses	11	2.77	-1.00	3.10	-6.20	-1.00	0.00	-0.70	-1.80	-1.50	-0.60
Total Non-Interest Expense	65	30	32	29	26	26	23	22	20	17	19
Salaries and Employee Benefits	15	14	16	15	14	13	13	13	11	9.18	11
Net Occupancy & Equipment Expense	4.37	6.28	3.80	3.64	4.16	6.61	4.17	3.69	3.50	3.30	3.23
Marketing Expense	0.35	0.18	0.30	0.18	0.22	0.23	0.19	0.13	0.27	0.62	0.77
Property & Liability Insurance Claims	2.23	-3.14	1.82	2.18	1.13	1.77	1.54	1.42	0.24	-0.41	1.00
Other Operating Expenses	16	13	10	8.10	6.74	3.42	4.21	3.53	4.42	4.03	2.49
Amortization Expense	0.31	0.30	0.29	0.28	0.27	0.26	0.24	0.23	0.22	0.21	0.20
Income Tax Expense	-	-	-0.41	-0.62	0.60	-0.70	-0.46	0.48	1.90	1.14	0.28
Weighted Average Basic Shares Outstanding	19.19M	19.20M	22.98M	73.50M	73.52M	87.79M	91.18M	92.13M	91.49M	91.34M	89.91M
Weighted Average Diluted Shares Outstanding	19.19M	19.20M	22.98M	73.50M	73.52M	87.79M	91.18M	92.13M	91.49M	91.34M	89.91M
Weighted Average Basic & Diluted Shares Outstanding	19.19M	19.20M	22.98M	73.50M	73.52M	87.79M	91.18M	92.13M	91.49M	91.34M	89.91M

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	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	4.71	45	58	13	-53	44	55	-60
Net Cash From Operating Activities	-4.57	-21	-108	59	94	44	-6.31	14
Net Cash From Continuing Operating Activities	-4.57	-21	-109	59	94	0.00	0.00	0.00
Net Income / (Loss) Continuing Operations	4.57	4.60	18	53	17	-52	-15	11
Consolidated Net Income / (Loss)	4.57	4.60	-	-	-	-52	-15	11
Net Income / (Loss) Discontinued Operations	-	-	-	-	-	-	0.00	0.00
Provision For Loan Losses	1.23	1.74	10	0.12	26	22	-5.10	-4.00
Depreciation Expense	0.42	0.54	0.92	2.14	1.98	1.70	1.53	1.37
Amortization Expense	0.84	1.11	1.82	3.74	2.89	1.98	1.63	1.13
Non-Cash Adjustments to Reconcile Net Income	-8.32	-28	-126	-1.06	41	63	36	6.41
Changes in Operating Assets and Liabilities, net	-3.30	-0.74	-13	1.43	5.66	6.43	-25	-1.99
Net Cash From Discontinued Operating Activities	-	-	0.22	0.22	0.06	0.00	0.00	0.00
Net Cash From Investing Activities	-102	-95	-341	52	-628	-23	419	242
Net Cash From Continuing Investing Activities	-101	-94	-341	53	-628	0.00	0.00	0.00
Purchase of Property, Leasehold Improvements and Equipment	-1.50	-1.13	-3.01	-1.22	-0.46	-0.96	-0.59	-1.68
Purchase of Investment Securities	-107	-142	-101	-301	-725	-63	-19	-38
Sale of Property, Leasehold Improvements and Equipment	-	0.01	0.72	0.55	2.21	1.02	38	1.53
Sale and/or Maturity of Investments	7.30	49	55	779	34	43	398	281
Net Increase in Fed Funds Sold	-0.46	0.07	-0.30	-41	42	-3.03	3.61	-1.01
Net Cash From Discontinued Investing Activities	-	-	-0.10	-0.17	0.25	0.00	0.00	0.00
Net Cash From Financing Activities	111	160	507	-99	481	23	-358	-316
Net Cash From Continuing Financing Activities	111	160	507	-99	481	23	-358	-316
Net Change in Deposits	76	89	223	325	206	64	-386	-268
Issuance of Debt	185	395	1,056	1,155	823	2,005	726	0.00
Issuance of Common Equity	0.00	22	-	-	-	0.00	152	0.00
Repayment of Debt	-148	-343	-769	-1,573	-539	-2,042	-851	-25
Repurchase of Common Equity	-	-	-	-	-	-	0.00	-9.51
Payment of Dividends	-1.50	-2.47	-2.44	-7.18	-9.10	-4.56	0.00	-23
Other Financing Activities, Net	-	-	0.00	0.80	0.01	0.03	1.27	9.76
Cash Interest Paid	-	9.09	10	12	16	68	84	61
Cash Income Taxes Paid	-	1.02	2.00	10	2.08	6.66	0.00	6.58

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	107	-117	7.05	2.33	155	-110	-3.36	-41	-10	-5.08	31
Net Cash From Operating Activities	0.94	20	-7.52	-4.82	24	-18	-3.59	11	6.43	0.13	15
Net Cash From Continuing Operating Activities	0.94	-24	-7.52	-12	24	-12	-3.59	11	6.43	-13	15
Net Income / (Loss) Continuing Operations	-41	-5.76	-2.89	-11	0.95	-2.00	-0.43	1.30	5.60	4.24	0.84
Consolidated Net Income / (Loss)	-41	-5.76	-2.89	-11	0.95	-2.00	-0.43	1.30	5.60	4.24	0.84
Provision For Loan Losses	11	2.77	-1.00	3.10	-6.20	-1.00	0.00	-0.70	-1.80	-1.50	-0.60
Depreciation Expense	0.41	0.41	0.43	0.38	0.36	0.36	0.38	0.33	0.33	0.34	0.37
Amortization Expense	0.48	0.45	0.43	0.43	0.41	0.37	0.29	0.51	0.26	0.07	0.21
Non-Cash Adjustments to Reconcile Net Income	38	13	2.57	3.42	36	-6.35	1.26	7.06	0.62	-2.52	-0.29
Changes in Operating Assets and Liabilities, net	-7.40	9.12	-7.06	-0.70	-7.27	-9.48	-5.08	2.16	1.42	-0.50	15
Net Cash From Investing Activities	12	12	45	137	124	114	43	80	55	64	34
Net Cash From Continuing Investing Activities	12	35	45	181	124	-305	43	80	55	-178	34
Purchase of Property, Leasehold Improvements and Equipment	-0.07	-0.25	-0.05	-0.16	-0.25	-0.13	-0.03	-0.13	-0.70	-0.83	-0.46
Purchase of Investment Securities	-1.71	3.26	-4.86	111	82	72	-13	-9.55	-14	-1.51	-11
Sale and/or Maturity of Investments	18	11	47	24	40	40	57	88	76	59	45
Net Increase in Fed Funds Sold	-0.09	-1.87	-2.40	1.63	2.31	2.07	-0.89	1.10	-7.15	5.92	0.40
Net Cash From Financing Activities	94	-150	-30	-129	7.50	-206	-43	-132	-72	-69	-18
Net Cash From Continuing Financing Activities	94	-150	-30	-160	7.50	-207	-43	-132	-72	-69	-18
Net Change in Deposits	163	-210	-100	-140	21	-167	-50	-119	-59	-40	-18
Payment of Dividends	0.01	-	-	-	-	-	0.00	-	-	-	-0.14
Other Financing Activities, Net	-	-	0.00	-	-	-	6.91	2.54	0.31	-	0.00
Cash Interest Paid	20	19	21	23	21	19	18	15	15	13	13
Cash Income Taxes Paid	-	-	0.00	0.01	-0.01	-	1.00	1.16	0.76	3.66	0.00

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	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	540	961	1,498	2,665	3,130	3,118	2,737	2,433
Cash and Due from Banks	15	60	118	131	77	110	174	116
Restricted Cash	-	-	-	-	0.00	11	2.46	0.00
Federal Funds Sold	0.55	0.48	0.78	44	1.43	4.45	0.84	1.85
Trading Account Securities	59	121	109	374	354	321	312	333
Loans and Leases, Net of Allowance	411	642	714	1,765	2,368	2,395	2,089	1,846
Loans and Leases	415	647	728	1,777	2,399	2,431	2,112	1,866
Allowance for Loan and Lease Losses	3.58	4.57	14	12	31	36	23	19
Loans Held for Sale	29	56	153	122	70	46	31	15
Accrued Investment Income	-	2.59	5.43	9.57	12	15	13	11
Premises and Equipment, Net	3.34	14	15	27	23	22	21	22
Intangible Assets	-	3.72	2.58	7.59	6.58	5.38	3.86	2.64
Other Assets	19	41	353	113	150	160	91	86
Total Liabilities & Shareholders' Equity	540	961	1,498	2,665	3,130	3,118	2,737	2,433
Total Liabilities	500	868	1,390	2,388	2,882	2,932	2,409	2,109
Non-Interest Bearing Deposits	88	178	333	686	640	506	453	399
Interest Bearing Deposits	327	544	612	1,612	1,862	2,060	1,727	1,513
Other Short-Term Payables	-	-	-	-	-	-	-	6.58
Long-Term Debt	83	135	421	68	352	315	190	165
Other Long-Term Liabilities	2.08	12	24	22	27	51	40	26
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	40	92	108	277	249	186	328	324
Total Preferred & Common Equity	39	92	108	277	0.00	186	328	324
Total Common Equity	39	92	108	277	249	186	328	324
Common Stock	17	66	67	195	196	198	352	355
Retained Earnings	23	25	41	86	98	33	18	-0.66
Accumulated Other Comprehensive Income / (Loss)	-0.62	0.23	0.26	-3.63	-45	-45	-42	-31

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 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	2,880	3,324	3,214	3,263	3,076	2,933	2,945	2,685	2,555	2,497	2,414
Cash and Due from Banks	98	226	132	239	117	125	282	170	131	121	147
Restricted Cash	-	-	-	-	11	5.92	4.16	2.17	0.00	0.00	0.00
Federal Funds Sold	11	1.98	2.49	2.58	6.85	5.22	2.91	1.73	0.63	7.77	1.45
Trading Account Securities	360	352	341	314	314	307	315	325	328	341	332
Loans and Leases, Net of Allowance	2,138	2,409	2,409	2,390	2,359	2,231	2,155	2,037	1,957	1,892	1,815
Loans and Leases	2,158	2,445	2,447	2,440	2,394	2,259	2,180	2,060	1,979	1,913	1,834
Allowance for Loan and Lease Losses	21	36	39	50	35	28	25	23	22	21	19
Loans Held for Sale	26	77	64	70	35	54	22	24	12	13	0.00
Accrued Investment Income	9.58	14	15	16	15	14	13	13	12	11	11
Premises and Equipment, Net	24	23	23	23	22	22	22	21	21	21	22
Intangible Assets	7.02	6.20	5.93	5.52	5.01	4.55	4.20	3.53	3.23	2.94	2.39
Other Assets	137	153	160	168	163	134	106	88	91	87	84
Total Liabilities & Shareholders' Equity	2,880	3,324	3,214	3,263	3,076	2,933	2,945	2,685	2,555	2,497	2,414
Total Liabilities	2,629	3,077	2,983	3,080	2,895	2,607	2,608	2,347	2,211	2,141	2,137
Non-Interest Bearing Deposits	788	595	576	573	496	470	460	453	433	411	392
Interest Bearing Deposits	1,622	2,167	2,037	2,203	1,969	1,856	1,887	1,677	1,577	1,540	1,501
Other Short-Term Payables	-	-	-	-	-	-	-	-	-	-	54
Long-Term Debt	190	279	324	255	385	243	230	190	175	165	165
Other Long-Term Liabilities	29	37	46	49	45	39	32	28	26	26	25
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	251	247	231	183	181	326	336	338	344	356	277
Total Preferred & Common Equity	251	247	231	183	181	326	336	338	344	356	277
Total Common Equity	251	247	231	183	181	325	336	338	344	356	277
Common Stock	196	197	197	198	198	351	351	360	364	363	356
Retained Earnings	104	91	80	39	30	19	20	17	19	24	-47
Accumulated Other Comprehensive Income / (Loss)	-49	-41	-46	-54	-48	-44	-34	-39	-39	-32	-31

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

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	4,346,866.00	5,718,621.00	-	-	-	-	91,488,661.00
DEI Adjusted Shares Outstanding	0.00	4,346,866.00	5,718,621.00	-	-	-	-	91,488,661.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	1.06	3.09	-	-	-	-	0.12
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	46.54%	149.88%	78.83%	-14.94%	-20.47%	-24.03%	-0.58%
EBITDA Growth	0.00%	3.64%	251.69%	192.09%	-63.55%	-303.82%	75.81%	221.96%
EBIT Growth	0.00%	-2.48%	306.56%	201.51%	-67.53%	-365.11%	71.95%	183.45%
NOPAT Growth	0.00%	0.68%	287.42%	195.03%	-67.70%	-342.34%	71.95%	192.68%
Net Income Growth	0.00%	0.68%	284.38%	196.55%	-66.97%	-398.68%	70.28%	169.61%
EPS Growth	0.00%	-32.93%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Growth	0.00%	-350.49%	-426.36%	154.65%	58.63%	-53.10%	-114.32%	315.93%
Free Cash Flow Firm Growth	0.00%	0.00%	-185.02%	183.22%	-200.63%	124.52%	-148.41%	240.98%
Invested Capital Growth	0.00%	85.27%	133.26%	-34.80%	73.98%	-16.59%	3.34%	-5.64%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	-6.38%	-4.03%	-1.22%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	-4.41%	25.86%	91.16%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	-3.72%	22.46%	142.13%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	-3.72%	22.46%	140.00%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	-2.95%	19.62%	140.00%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	891.09%	-119.56%	395.43%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	80.27%	-20.84%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	14.42%	-8.58%	-6.12%
Profitability Metrics	-	-	-	-	-	-	-	-
EBITDA Margin	25.45%	18.00%	25.33%	41.37%	17.73%	-45.43%	-14.47%	17.75%
EBIT Margin	20.87%	13.89%	22.59%	38.09%	14.54%	-48.46%	-17.90%	15.02%
Profit (Net Income) Margin	16.68%	11.46%	17.63%	29.24%	11.35%	-42.64%	-16.68%	11.68%
Tax Burden Percent	79.95%	82.55%	78.05%	76.77%	78.10%	87.98%	93.20%	77.74%
Interest Burden Percent	100.02%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.05%	17.45%	21.33%	23.02%	23.42%	0.00%	0.00%	22.26%
Return on Invested Capital (ROIC)	3.73%	2.64%	4.72%	12.04%	3.60%	-7.48%	-2.27%	2.13%
ROIC Less NNEP Spread (ROIC-NNEP)	3.73%	2.64%	4.67%	11.98%	3.76%	-10.66%	-3.79%	2.13%
Return on Net Nonoperating Assets (RNNOA)	7.81%	4.34%	12.93%	15.20%	3.00%	-16.34%	-3.72%	1.16%
Return on Equity (ROE)	11.54%	6.98%	17.65%	27.24%	6.59%	-23.82%	-5.99%	3.29%
Cash Return on Invested Capital (CROIC)	0.00%	-57.15%	-75.26%	54.17%	-50.41%	10.61%	-5.56%	7.93%
Operating Return on Assets (OROA)	1.06%	0.74%	1.84%	3.28%	0.77%	-1.88%	-0.56%	0.53%
Return on Assets (ROA)	0.85%	0.61%	1.44%	2.52%	0.60%	-1.66%	-0.53%	0.41%
Return on Common Equity (ROCE)	11.48%	6.95%	17.61%	27.21%	6.59%	-23.82%	-5.99%	3.29%
Return on Equity Simple (ROE_SIMPLE)	11.60%	5.00%	16.39%	18.95%	0.00%	-27.84%	-4.69%	3.31%
Net Operating Profit after Tax (NOPAT)	4.57	4.60	18	53	17	-41	-12	11
NOPAT Margin	16.68%	11.46%	17.77%	29.32%	11.13%	-33.93%	-12.53%	11.68%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.05%	0.06%	-0.16%	3.18%	1.52%	0.00%
SG&A Expenses to Revenue	54.92%	61.19%	51.47%	40.95%	44.53%	62.53%	80.98%	67.65%
Operating Expenses to Revenue	74.66%	81.78%	66.99%	61.84%	68.63%	130.08%	123.43%	89.34%
Earnings before Interest and Taxes (EBIT)	5.72	5.58	23	68	22	-59	-17	14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	6.97	7.23	25	74	27	-55	-13	16
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	0.00	0.00	0.00	0.31	0.86	1.03
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.32	0.87	1.04
Price to Revenue (P/Rev)	0.00	0.00	0.00	0.00	0.00	0.48	3.06	3.64
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	31.19
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	20.21%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.21%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.49	0.57	0.78
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	2.04	3.21	4.15
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	23.41
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	27.66
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	35.57
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	5.62	0.00	27.96
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	4.23	0.00	9.55
Leverage & Solvency	-	-	-	-	-	-	-	-
Debt to Equity	2.09	1.46	3.89	0.25	1.41	1.69	0.58	0.51
Long-Term Debt to Equity	2.09	1.46	3.89	0.25	1.41	1.69	0.58	0.51
Financial Leverage	2.09	1.65	2.77	1.27	0.80	1.53	0.98	0.54
Leverage Ratio	13.62	11.37	12.26	10.80	11.02	14.37	11.40	7.94
Compound Leverage Factor	13.62	11.37	12.26	10.80	11.02	14.37	11.40	7.94
Debt to Total Capital	67.65%	59.31%	79.56%	19.70%	58.57%	62.86%	36.67%	33.73%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	67.65%	59.31%	79.56%	19.70%	58.57%	62.86%	36.67%	33.73%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.17%	0.10%	0.04%	0.07%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	32.17%	40.59%	20.40%	80.23%	41.43%	37.14%	63.33%	66.27%
Debt to EBITDA	11.88	18.62	16.57	0.92	12.99	-5.71	-14.22	10.12
Net Debt to EBITDA	9.65	10.25	11.90	-1.43	10.09	-3.43	-0.97	2.88
Long-Term Debt to EBITDA	11.88	18.62	16.57	0.92	12.99	-5.71	-14.22	10.12
Debt to NOPAT	18.12	29.24	23.61	1.29	20.69	-7.64	-16.43	15.38
Net Debt to NOPAT	14.72	16.09	16.96	-2.02	16.06	-4.59	-1.12	4.38
Long-Term Debt to NOPAT	18.12	29.24	23.61	1.29	20.69	-7.64	-16.43	15.38
Noncontrolling Interest Sharing Ratio	0.54%	0.33%	0.22%	0.12%	0.04%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-100	-285	237	-238	58	-28	40
Operating Cash Flow to CapEx	-305.41%	-1,847.67%	-4,728.94%	8,837.76%	0.00%	0.00%	-1,080.48%	9,332.19%
Free Cash Flow to Firm to Interest Expense	0.00	-10.49	-28.60	21.40	-13.95	0.77	-0.35	0.68
Operating Cash Flow to Interest Expense	-0.89	-2.16	-10.89	5.35	5.50	0.58	-0.08	0.23
Operating Cash Flow Less CapEx to Interest Expense	-1.18	-2.28	-11.12	5.29	5.60	0.58	-0.08	0.23
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.08	0.09	0.05	0.04	0.03	0.04
Fixed Asset Turnover	8.20	4.73	7.05	8.66	6.13	5.34	4.22	4.27
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	122	227	529	345	600	501	518	488
Invested Capital Turnover	0.22	0.23	0.27	0.41	0.32	0.22	0.18	0.18
Increase / (Decrease) in Invested Capital	0.00	104	302	-184	255	-100	17	-29
Enterprise Value (EV)	0.00	0.00	0.00	0.00	0.00	247	296	381
Market Capitalization	0.00	0.00	0.00	0.00	0.00	58	283	334
Book Value per Share	$0.00	$0.00	$19.07	$22.31	$13.13	$9.69	$4.46	$3.54
Tangible Book Value per Share	$0.00	$0.00	$15.15	$19.54	$11.37	$9.41	$4.41	$3.51
Total Capital	122	227	529	345	600	501	518	488
Total Debt	83	135	421	68	352	315	190	165
Total Long-Term Debt	83	135	421	68	352	315	190	165
Net Debt	67	74	302	-106	273	189	13	47
Capital Expenditures (CapEx)	1.50	1.11	2.29	0.67	-1.76	-0.06	0.58	0.15
Net Nonoperating Expense (NNE)	0.00	0.00	0.14	0.14	-0.34	11	3.83	0.00
Net Nonoperating Obligations (NNO)	83	135	421	68	352	315	190	165
Total Depreciation and Amortization (D&A)	1.26	1.65	2.75	5.89	4.87	3.68	3.16	2.50
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$1.10	$3.11	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	12.41M	18.77M	0.00	19.20M	87.79M	91.34M
Adjusted Diluted Earnings per Share	$0.00	$1.10	$3.11	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	12.41M	18.77M	0.00	19.20M	87.79M	91.34M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$2.94	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	12.41M	18.77M	0.00	19.20M	87.79M	91.34M
Normalized Net Operating Profit after Tax (NOPAT)	4.57	4.60	20	62	17	-22	-12	11
Normalized NOPAT Margin	16.68%	11.46%	19.63%	34.41%	11.16%	-18.46%	-12.53%	11.68%
Pre Tax Income Margin	20.87%	13.89%	22.59%	38.09%	14.54%	-48.46%	-17.90%	15.02%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.11	0.59	2.28	6.18	1.30	-0.77	-0.20	0.23
NOPAT to Interest Expense	0.89	0.48	1.79	4.76	0.99	-0.54	-0.14	0.18
EBIT Less CapEx to Interest Expense	0.82	0.47	2.05	6.12	1.40	-0.77	-0.21	0.23
NOPAT Less CapEx to Interest Expense	0.60	0.37	1.56	4.70	1.10	-0.54	-0.15	0.18
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	32.82%	53.71%	13.77%	13.69%	52.51%	-8.82%	0.00%	210.99%
Augmented Payout Ratio	32.82%	53.71%	13.77%	13.69%	52.51%	-8.82%	0.00%	299.76%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	87,789,843.00	91,177,849.00	92,125,959.00	91,488,661.00	91,340,481.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	87,789,843.00	91,177,849.00	92,125,959.00	91,488,661.00	91,340,481.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	0.00	0.01	0.06	0.05	0.01
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-19.21%	-24.34%	-13.25%	-39.35%	-26.23%	-15.08%	-21.59%	13.40%	18.10%	-5.17%	-12.73%
EBITDA Growth	-1,269.03%	-54.18%	-139.86%	-24.26%	103.96%	70.23%	91.05%	123.20%	249.74%	393.36%	874.77%
EBIT Growth	-1,402.35%	-39.24%	-164.18%	-15.44%	103.35%	63.90%	73.06%	114.74%	385.63%	299.37%	225.20%
NOPAT Growth	-1,278.54%	-39.24%	-158.19%	-15.44%	102.93%	63.90%	73.06%	115.36%	492.28%	324.47%	234.34%
Net Income Growth	-1,612.10%	-34.65%	-172.87%	-32.76%	102.29%	65.22%	85.00%	111.33%	492.28%	311.88%	292.63%
EPS Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Growth	0.00%	170.20%	-173.86%	0.00%	0.00%	-188.47%	52.27%	321.31%	-73.36%	100.71%	519.04%
Free Cash Flow Firm Growth	93.29%	0.00%	91.89%	96.18%	-334.28%	-119.73%	187.58%	334.46%	140.41%	279.42%	135.38%
Invested Capital Growth	-0.66%	-16.59%	7.61%	2.36%	29.34%	3.34%	-6.66%	-8.65%	-8.11%	-5.64%	-16.36%
Revenue Q/Q Growth	-11.95%	-13.18%	0.00%	-27.62%	7.10%	-0.06%	0.55%	4.64%	11.52%	-19.18%	-7.46%
EBITDA Q/Q Growth	-382.86%	85.51%	0.00%	-383.37%	115.37%	-209.01%	88.95%	1,348.80%	209.81%	-28.42%	-70.82%
EBIT Q/Q Growth	-341.27%	83.76%	0.00%	-265.18%	112.82%	-274.82%	67.09%	299.78%	322.47%	-28.23%	-79.33%
NOPAT Q/Q Growth	-341.27%	83.76%	0.00%	-265.18%	111.21%	-299.86%	67.09%	308.26%	332.33%	-24.25%	-80.30%
Net Income Q/Q Growth	-380.33%	86.08%	0.00%	-295.26%	108.27%	-311.73%	78.33%	398.62%	332.33%	-24.25%	-80.30%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	2,086.75%	0.00%	0.00%	0.00%	-175.04%	80.19%	396.99%	-39.67%	-98.01%	11,646.09%
Free Cash Flow Firm Q/Q Growth	94.78%	421.48%	0.00%	49.16%	-492.67%	85.39%	298.99%	36.10%	2.14%	-35.14%	161.06%
Invested Capital Q/Q Growth	-21.17%	14.42%	0.00%	0.46%	-0.38%	-8.58%	2.03%	-1.68%	0.20%	-6.12%	-9.57%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	-154.54%	-25.79%	-8.65%	-57.74%	8.29%	-9.04%	-0.99%	11.31%	31.41%	27.82%	8.77%
EBIT Margin	-155.58%	-29.11%	-11.71%	-59.09%	7.07%	-12.37%	-4.03%	7.69%	29.14%	25.88%	5.78%
Profit (Net Income) Margin	-139.73%	-22.41%	-10.27%	-56.07%	4.33%	-9.18%	-1.97%	5.61%	21.76%	20.40%	4.34%
Tax Burden Percent	89.81%	76.96%	87.67%	94.89%	61.23%	74.16%	48.82%	72.97%	74.68%	78.81%	75.11%
Interest Burden Percent	100.00%	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%	0.00%	0.00%	0.00%	38.77%	0.00%	0.00%	27.03%	25.32%	21.19%	24.89%
Return on Invested Capital (ROIC)	0.00%	-4.49%	0.00%	0.00%	0.00%	-1.57%	-0.44%	0.92%	3.72%	3.72%	0.80%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	-4.65%	0.00%	0.00%	0.00%	-1.61%	-0.38%	0.92%	3.72%	3.72%	0.80%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-7.13%	0.00%	0.00%	0.00%	-1.58%	-0.42%	0.57%	2.12%	2.02%	0.46%
Return on Equity (ROE)	0.00%	-11.62%	0.00%	0.00%	0.00%	-3.15%	-0.86%	1.49%	5.84%	5.74%	1.25%
Cash Return on Invested Capital (CROIC)	0.00%	10.61%	0.00%	0.00%	0.00%	-5.56%	5.09%	9.00%	9.27%	7.93%	20.29%
Operating Return on Assets (OROA)	0.00%	-1.13%	0.00%	0.00%	0.00%	-0.39%	-0.12%	0.25%	0.99%	0.92%	0.20%
Return on Assets (ROA)	0.00%	-0.87%	0.00%	0.00%	0.00%	-0.29%	-0.06%	0.18%	0.74%	0.72%	0.15%
Return on Common Equity (ROCE)	0.00%	-11.62%	0.00%	0.00%	0.00%	-3.15%	-0.86%	1.49%	5.84%	5.74%	1.25%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-3.82%	-0.06%	1.26%	0.00%	4.33%
Net Operating Profit after Tax (NOPAT)	-32	-5.24	-2.31	-8.44	0.95	-1.89	-0.62	1.30	5.60	4.24	0.84
NOPAT Margin	-108.91%	-20.38%	-8.20%	-41.37%	4.33%	-8.66%	-2.82%	5.61%	21.76%	20.40%	4.34%
Net Nonoperating Expense Percent (NNEP)	4.10%	0.16%	0.18%	1.06%	0.00%	0.04%	-0.07%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	65.38%	78.48%	67.34%	84.90%	83.89%	92.03%	76.90%	72.87%	58.88%	62.91%	78.16%
Operating Expenses to Revenue	218.26%	118.34%	115.26%	143.89%	121.31%	116.96%	104.03%	95.34%	77.85%	81.33%	97.34%
Earnings before Interest and Taxes (EBIT)	-46	-7.48	-3.30	-12	1.55	-2.70	-0.89	1.78	7.50	5.39	1.11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-46	-6.63	-2.44	-12	1.81	-1.97	-0.22	2.61	8.09	5.79	1.69
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.31	0.00	0.00	0.00	0.86	0.71	0.96	1.09	1.03	1.17
Price to Tangible Book Value (P/TBV)	0.00	0.32	0.00	0.00	0.00	0.87	0.72	0.97	1.10	1.04	1.18
Price to Revenue (P/Rev)	0.00	0.48	0.00	0.00	0.00	3.06	2.80	3.72	4.17	3.64	3.64
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	83.91	31.19	27.00
Dividend Yield	0.00%	20.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.19%	3.21%	3.70%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.49	0.00	0.00	0.00	0.57	0.49	0.72	0.81	0.78	0.77
Enterprise Value to Revenue (EV/Rev)	0.00	2.04	0.00	0.00	0.00	3.21	2.97	4.21	4.56	4.15	3.83
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	136.44	49.67	23.41	18.70
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	74.34	27.66	21.55
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	94.78	35.57	28.39
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	5.62	0.00	0.00	0.00	0.00	0.00	28.56	0.00	27.96	10.55
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	4.23	0.00	0.00	0.00	0.00	9.21	7.64	8.39	9.55	3.46
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.39	1.69	2.13	0.75	0.68	0.58	0.56	0.51	0.46	0.51	0.59
Long-Term Debt to Equity	1.39	1.69	2.13	0.75	0.68	0.58	0.56	0.51	0.46	0.51	0.59
Financial Leverage	1.03	1.53	1.55	1.02	0.93	0.98	1.11	0.62	0.57	0.54	0.58
Leverage Ratio	14.17	14.37	14.97	11.04	11.96	11.40	11.10	8.19	7.87	7.94	8.29
Compound Leverage Factor	14.17	14.37	14.97	11.04	11.96	11.40	11.10	8.19	7.87	7.94	8.29
Debt to Total Capital	58.23%	62.86%	68.02%	42.71%	40.59%	36.67%	35.94%	33.69%	31.66%	33.73%	37.29%
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%	0.00%
Long-Term Debt to Total Capital	58.23%	62.86%	68.02%	42.71%	40.59%	36.67%	35.94%	33.69%	31.66%	33.73%	37.29%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.02%	0.02%	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%	0.00%
Common Equity to Total Capital	41.77%	37.14%	31.98%	57.27%	59.39%	63.33%	64.06%	66.31%	68.34%	66.27%	62.71%
Debt to EBITDA	0.00	-5.71	0.00	0.00	0.00	-14.22	-17.06	63.84	19.35	10.12	9.06
Net Debt to EBITDA	0.00	-3.43	0.00	0.00	0.00	-0.97	-1.39	15.73	4.22	2.88	0.92
Long-Term Debt to EBITDA	0.00	-5.71	0.00	0.00	0.00	-14.22	-17.06	63.84	19.35	10.12	9.06
Debt to NOPAT	0.00	-7.64	0.00	0.00	0.00	-16.43	-19.23	-928.99	36.92	15.38	13.75
Net Debt to NOPAT	0.00	-4.59	0.00	0.00	0.00	-1.12	-1.56	-228.90	8.05	4.38	1.39
Long-Term Debt to NOPAT	0.00	-7.64	0.00	0.00	0.00	-16.43	-19.23	-928.99	36.92	15.38	13.75
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.02%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-29	94	-42	-22	-127	-19	37	50	52	33	87
Operating Cash Flow to CapEx	0.00%	8,636.29%	-14,184.91%	0.00%	0.00%	-13,514.18%	-14,352.00%	8,390.55%	918.43%	15.48%	3,289.93%
Free Cash Flow to Firm to Interest Expense	-1.45	4.41	-1.91	-1.05	-6.34	-0.99	2.27	3.39	3.60	2.50	6.99
Operating Cash Flow to Interest Expense	0.00	0.96	-0.34	0.00	0.00	-0.96	-0.22	0.72	0.45	0.01	1.20
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.95	-0.34	0.00	0.00	-0.97	-0.22	0.71	0.40	-0.05	1.17
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.04	0.00	0.00	0.00	0.03	0.03	0.03	0.03	0.04	0.03
Fixed Asset Turnover	0.00	5.34	0.00	0.00	0.00	4.22	4.02	4.19	4.35	4.27	4.18
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	438	501	566	568	566	518	528	519	520	488	442
Invested Capital Turnover	0.00	0.22	0.00	0.00	0.00	0.18	0.16	0.16	0.17	0.18	0.18
Increase / (Decrease) in Invested Capital	-2.89	-100	40	13	128	17	-38	-49	-46	-29	-86
Enterprise Value (EV)	0.00	247	0.00	0.00	0.00	296	256	374	423	381	340
Market Capitalization	0.00	58	0.00	0.00	0.00	283	241	331	387	334	323
Book Value per Share	$9.53	$9.69	$9.42	$14.16	$4.57	$4.46	$3.85	$3.78	$3.86	$3.54	$3.03
Tangible Book Value per Share	$9.24	$9.41	$9.16	$13.96	$4.52	$4.41	$3.81	$3.74	$3.83	$3.51	$3.01
Total Capital	438	501	566	568	566	518	528	519	520	488	442
Total Debt	255	315	385	243	230	190	190	175	165	165	165
Total Long-Term Debt	255	315	385	243	230	190	190	175	165	165	165
Net Debt	14	189	250	107	-59	13	15	43	36	47	17
Capital Expenditures (CapEx)	0.00	0.24	0.05	0.00	0.00	0.13	0.03	0.13	0.70	0.83	0.46
Net Nonoperating Expense (NNE)	9.13	0.52	0.58	3.00	0.00	0.11	-0.19	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	255	315	385	243	230	190	190	175	165	165	165
Total Depreciation and Amortization (D&A)	0.31	0.86	0.86	0.28	0.27	0.73	0.67	0.83	0.58	0.40	0.58
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($2.18)	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic Shares Outstanding	19.19M	19.20M	22.98M	73.50M	73.52M	87.79M	91.18M	92.13M	91.49M	91.34M	89.91M
Adjusted Diluted Earnings per Share	($2.18)	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	19.19M	19.20M	22.98M	73.50M	73.52M	87.79M	91.18M	92.13M	91.49M	91.34M	89.91M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	19.19M	19.20M	22.98M	73.50M	73.52M	87.79M	91.18M	92.13M	91.49M	91.34M	89.91M
Normalized Net Operating Profit after Tax (NOPAT)	-13	-5.24	-2.31	-8.44	0.95	-1.89	-0.62	1.30	5.60	4.24	0.84
Normalized NOPAT Margin	-45.48%	-20.38%	-8.20%	-41.37%	4.33%	-8.66%	-2.82%	5.61%	21.76%	20.40%	4.34%
Pre Tax Income Margin	-155.58%	-29.11%	-11.71%	-59.09%	7.07%	-12.37%	-4.03%	7.69%	29.14%	25.88%	5.78%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-2.27	-0.35	-0.15	-0.59	0.08	-0.14	-0.05	0.12	0.52	0.40	0.09
NOPAT to Interest Expense	-1.59	-0.24	-0.10	-0.41	0.05	-0.10	-0.04	0.09	0.39	0.32	0.07
EBIT Less CapEx to Interest Expense	0.00	-0.36	-0.15	0.00	0.00	-0.15	-0.06	0.11	0.48	0.34	0.05
NOPAT Less CapEx to Interest Expense	0.00	-0.26	-0.11	0.00	0.00	-0.11	-0.04	0.08	0.34	0.26	0.03
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	-8.82%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	210.99%	189.79%
Augmented Payout Ratio	0.00%	-8.82%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	299.76%	189.79%

Financials Breakdown Chart

Key Financial Trends

Blue Ridge Bankshares (NASDAQ: BRBS) showed a sharp rebound in Q1 2026 after a much stronger end to 2025, but the bigger picture still reflects a company working through margin pressure, deposit volatility, and a shrinking loan book.

In Q1 2026, the bank earned $836,000, down from $4.2 million in Q4 2025 but a major improvement from the $434,000 loss in Q1 2025. Revenue also declined sequentially to $19.3 million from $20.8 million in Q4 2025, while non-interest income and net interest income both softened. Even so, the quarter remained profitable, and operating cash flow was solid at $15.0 million.

The balance sheet remains large relative to equity, with $2.41 billion in assets and $276.9 million in common equity at quarter-end. Deposits fell to $1.89 billion, down from $1.95 billion in Q4 2025 and $2.00 billion in Q3 2025, which suggests funding remains somewhat unstable. Loans and leases also edged lower to $1.83 billion, continuing a multi-quarter downtrend from the 2024 peak.

Returned to profitability in Q1 2026 with net income of $836,000, versus a loss in Q1 2025.
Strong operating cash flow of $15.0 million in Q1 2026 supports liquidity and day-to-day operations.
Interest income still covered interest expense comfortably, producing $16.9 million of net interest income.
Investment portfolio sales provided liquidity, with $44.6 million in investment maturities/sales during the quarter.
Quarter-end cash was substantial at $146.6 million, giving the bank a meaningful liquidity buffer.
Net interest income softened sequentially from $18.1 million in Q4 2025 to $16.9 million in Q1 2026.
Non-interest income remained modest at $2.35 million, so earnings still depend heavily on spread income.
The bank continued to carry a large securities/trading book, which can help liquidity but may add balance sheet complexity.
Share count was stable at about 89.9 million weighted average shares, limiting dilution concerns in the quarter.
Deposits declined by $18.1 million in Q1 2026, extending a pattern of funding pressure and deposit volatility.
The loan book continued to shrink, with loans and leases net of allowance falling to $1.81 billion from $1.96 billion in Q2 2025.
Profitability remains thin relative to the size of the balance sheet, with quarterly net income still under $1 million.
Credit costs remain a recurring factor, as the bank recorded a $600,000 provision for credit losses in Q1 2026.
Equity is still modest relative to assets, leaving the company more exposed if funding or asset quality weakens.

Bottom line: BRBS is stabilizing, but it is not yet out of the woods. The latest quarter shows improvement in earnings and cash generation, but the longer-term trend still points to a smaller loan portfolio, softer deposits, and uneven operating performance. Investors will likely want to see more consistent earnings and deposit growth before confidence fully returns.

07/06/26 03:05 AM ETAI Generated. May Contain Errors.

Blue Ridge Bankshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Blue Ridge Bankshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Blue Ridge Bankshares' net income appears to be on a downward trend, with a most recent value of $10.71 million in 2025, rising from $4.57 million in 2018. The previous period was -$15.39 million in 2024.

Over the last 7 years, Blue Ridge Bankshares' total revenue changed from $27.41 million in 2018 to $91.70 million in 2025, a change of 234.6%.

Blue Ridge Bankshares' total liabilities were at $2.11 billion at the end of 2025, a 12.5% decrease from 2024, and a 321.8% increase since 2018.

In the past 7 years, Blue Ridge Bankshares' cash and equivalents has ranged from $15.03 million in 2018 to $173.53 million in 2024, and is currently $115.95 million as of their latest financial filing in 2025.

Over the last 7 years, Blue Ridge Bankshares' book value per share changed from 0.00 in 2018 to 3.54 in 2025, a change of 353.8%.

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Financial statements for NASDAQ:BRBS last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Blue Ridge Bankshares (BRBS) Financials

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Blue Ridge Bankshares (BRBS) Financials

Annual Income Statements for Blue Ridge Bankshares

Quarterly Income Statements for Blue Ridge Bankshares

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Quarterly Cash Flow Statements for Blue Ridge Bankshares

Annual Balance Sheets for Blue Ridge Bankshares

Quarterly Balance Sheets for Blue Ridge Bankshares

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Quarterly Metrics And Ratios for Blue Ridge Bankshares

Financials Breakdown Chart

Key Financial Trends

Blue Ridge Bankshares Financials - Frequently Asked Questions

When does Blue Ridge Bankshares' financial year end?

How has Blue Ridge Bankshares' net income changed over the last 7 years?

How has Blue Ridge Bankshares' revenue changed over the last 7 years?

How much debt does Blue Ridge Bankshares have?

How much cash does Blue Ridge Bankshares have?

How has Blue Ridge Bankshares' book value per share changed over the last 7 years?

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