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Upturn AI SWOT - About
BRBS 
Blue Ridge Bankshares Inc (BRBS)
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Upturn Advisory Summary
04/01/2025: BRBS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -42.46% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 280.93M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 222045 | Beta 0.77 | 52 Weeks Range 2.45 - 3.83 | Updated Date 04/1/2025 |
52 Weeks Range 2.45 - 3.83 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.31 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -15.81% | Operating Margin (TTM) -5.73% |
Management Effectiveness
Return on Assets (TTM) -0.53% | Return on Equity (TTM) -5.99% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 304818496 | Price to Sales(TTM) 2.96 |
Enterprise Value 304818496 | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 5.27 | Enterprise Value to EBITDA - | Shares Outstanding 87789800 | Shares Floating 63098950 |
Shares Outstanding 87789800 | Shares Floating 63098950 | ||
Percent Insiders 28.22 | Percent Institutions 26.56 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Blue Ridge Bankshares Inc
Company Overview
History and Background
Blue Ridge Bankshares, Inc. (BRBS) is a bank holding company headquartered in Charlottesville, Virginia. Founded in 1893 as the Bank of Goochland, it has grown through organic expansion and acquisitions, offering community banking services in Virginia, North Carolina, South Carolina, and Maryland.
Core Business Areas
- Community Banking: Provides a range of commercial and retail banking services, including checking and savings accounts, loans, and other financial products.
- Mortgage Banking: Originates and services mortgage loans, contributing to revenue through interest income and fees.
- Wealth Management: Offers wealth management services, including investment advice and trust administration.
Leadership and Structure
Brian K. Plum is the CEO. The organization is structured with a board of directors overseeing executive management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is difficult to obtain precisely, but BRBS competes with regional and national banks. Competitors: Truist, Bank of America, Wells Fargo.
- Residential Mortgages: Mortgages for purchasing or refinancing homes. Market share varies by region. Competitors: Wells Fargo, Rocket Mortgage, local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is regional. Competitors: Chase, PNC, local banks.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulation, technological disruption, and competition from fintech companies. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
BRBS positions itself as a community bank, emphasizing personalized service and local expertise. Its competitive advantage lies in its relationships with customers in its target markets.
Total Addressable Market (TAM)
The TAM for community banking in the Mid-Atlantic region is estimated in the billions of dollars. BRBS is a smaller player relative to the TAM, focusing on specific geographic markets and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Customer-focused service
- Diversified revenue streams
Weaknesses
- Smaller scale compared to national banks
- Limited geographic footprint
- Higher cost structure than larger competitors
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FCNB (FCNB)
- Truist Financial Corporation (TFC)
- Bank of America (BAC)
Competitive Landscape
BRBS faces competition from larger national banks and smaller community banks. Its advantages include local market knowledge and customer relationships, but it is disadvantaged by its smaller scale.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future growth projections are uncertain due to the pending acquisition by FCNB Bancorp.
Recent Initiatives: Recent initiatives included expansion of digital banking services and strategic acquisitions.
Summary
Blue Ridge Bankshares Inc. is a community bank focused on personalized service. While it shows strength in its local markets, its smaller size presents challenges against larger competitors and fintech disruptors. The pending acquisition by FCNB Bancorp will significantly alter its future trajectory. They need to improve their profitability by expanding in key markets.
Similar Companies
WSBC
WesBanco Inc
WSBC
WesBanco Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market research reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Blue Ridge Bankshares Inc
Exchange NYSE MKT | Headquaters Richmond, VA, United States | ||
IPO Launch date 2007-08-10 | CEO, President & Director Mr. G. William Beale | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 416 | |
Full time employees 416 | |||
Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, and consumer installment loans; and residential mortgage loans and mortgages loans on real estate. In addition, it provides commercial banking services, including deposit accounts, treasury management solutions, wire services, online banking, fraud prevention services, procurement cards, and a range of commercial lending options; and property and casualty insurance products to individuals and businesses, as well as electronic statement, and mobile and telephone banking services. Further, the company offers consumer lending services that include automobile lending, home equity lines of credit, credit cards, and other unsecured personal loans; small business administration loans; management services for personal and corporate trusts, including estate planning and settlement, trust administration, and investment and wealth management services, as well as life insurance products. It operates in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Richmond, Virginia.
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