OTCPK:BRBS

Stock Analysis Report

Blue Ridge Bankshares

Executive Summary

Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, N.A.

Snowflake

Fundamentals

Excellent balance sheet average dividend payer.

Risks

  • Blue Ridge Bankshares is not covered by any analysts.

Similar Companies

Share Price & News

How has Blue Ridge Bankshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

OTCPK:BRBS

0.3%

US Banks

0.9%

US Market


1 Year Return

0%

OTCPK:BRBS

-13.6%

US Banks

0.3%

US Market

BRBS outperformed the Banks industry which returned -14.2% over the past year.

BRBS matched the United States of America Market (-0.5%) over the past year.


Share holder returns

BRBSIndustryMarket
7 Day0.3%0.3%0.9%
30 Day-2.4%-5.1%-1.9%
90 Day-11.1%-3.5%1.6%
1 Year2.4%0%-11.2%-13.6%2.6%0.3%
3 Year75.2%64.4%43.6%33.7%41.0%31.8%
5 Year98.6%77.5%53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Blue Ridge Bankshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Blue Ridge Bankshares undervalued based on future cash flows and its price relative to the stock market?

13.11x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Blue Ridge Bankshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Blue Ridge Bankshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Blue Ridge Bankshares is overvalued based on earnings compared to the US Banks industry average.

Blue Ridge Bankshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Blue Ridge Bankshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Blue Ridge Bankshares is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Blue Ridge Bankshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Blue Ridge Bankshares is high growth as no revenue estimate data is available.

Blue Ridge Bankshares's earnings are expected to grow by 8.2% yearly, however this is not considered high growth (20% yearly).

Unable to compare Blue Ridge Bankshares's revenue growth to the United States of America market average as no estimate data is available.

Blue Ridge Bankshares's earnings growth is positive but not above the United States of America market average.

Blue Ridge Bankshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Blue Ridge Bankshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Blue Ridge Bankshares performed over the past 5 years?

24.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Blue Ridge Bankshares has delivered over 20% year on year earnings growth in the past 5 years.

Blue Ridge Bankshares's 1-year earnings growth exceeds its 5-year average (34.3% vs 24%)

Blue Ridge Bankshares's earnings growth has exceeded the US Banks industry average in the past year (34.3% vs 33.2%).


Return on Equity

Blue Ridge Bankshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Blue Ridge Bankshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Blue Ridge Bankshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Blue Ridge Bankshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Blue Ridge Bankshares has an acceptable proportion of non-loan assets held.

Blue Ridge Bankshares has a low allowance for bad loans.

Blue Ridge Bankshares's liabilities are made up of primarily low risk sources of funding.

Blue Ridge Bankshares's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Blue Ridge Bankshares are broadly funded by customer deposits.

Blue Ridge Bankshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Blue Ridge Bankshares's current dividend yield, its reliability and sustainability?

2.85%

Current Dividend Yield


Dividend Yield and Payments Analysis

Blue Ridge Bankshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Blue Ridge Bankshares's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.7x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Blue Ridge Bankshares's salary, the management and board of directors tenure and is there insider trading?

4.7yrs

Average management tenure


CEO

Brian Plum (40yo)

4.7yrs

Tenure

0

Mr. Brian K. Plum has been Chief Executive Officer and President of Blue Ridge Bankshares, Inc. since December 17, 2014 and Chief Executive Officer and Director of its wholly-owned bank subsidiary Blue Rid ...


Management Age and Tenure

4.7yrs

Average Tenure

40yo

Average Age

The tenure for the Blue Ridge Bankshares management team is about average.


Board Age and Tenure

7.6yrs

Average Tenure

59yo

Average Age

The tenure for the Blue Ridge Bankshares board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Gary Shook (59yo)

    COO & Director

    • Tenure: 0.0yrs
  • Brian Plum (40yo)

    President

    • Tenure: 4.7yrs
  • Adam Powell

    Investment Advisor

    • Tenure: 0.0yrs
  • Ann Mann

    Chief Compliance Officer

    • Tenure: 0.0yrs
  • Cynthia Fravel

    Vice President of Operations

    • Tenure: 0.0yrs
  • Amanda Story (36yo)

    CFO & Corporate Secretary

    • Tenure: 5.6yrs
  • Julie Catron

    Assistant Vice President of Credit Administration

    • Tenure: 0.0yrs
  • Craig Richards

    Director of Risk Management

    • Tenure: 0.0yrs
  • Dorothy Welch

    Vice President of Strategic Engagement

    • Tenure: 0.0yrs

Board Members

  • Gary Shook (59yo)

    COO & Director

    • Tenure: 0.0yrs
  • Hunter Bost (52yo)

    Director

    • Tenure: 2.8yrs
  • Mensel Dean (73yo)

    Director

    • Tenure: 5.8yrs
  • Larry Dees (71yo)

    Chairman of the Board

    • Tenure: 9.6yrs
  • James Gander (61yo)

    Director

    • Tenure: 25.6yrs
  • Robert Janney (70yo)

    Director

    • Tenure: 19.6yrs
  • John H. Graves (58yo)

    Director

    • Tenure: 9.6yrs
  • Brian Plum (40yo)

    President

    • Tenure: 4.7yrs
  • Bill Stokes (56yo)

    Director

    • Tenure: 7.6yrs
  • Elise Carey

    Vice Chairman

    • Tenure: 0.4yrs

Company Information

Blue Ridge Bankshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Blue Ridge Bankshares, Inc.
  • Ticker: BRBS
  • Exchange: OTCPK
  • Founded: 1893
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$86.937m
  • Shares outstanding: 4.35m
  • Website: https://www.mybrb.com

Number of Employees


Location

  • Blue Ridge Bankshares, Inc.
  • 17 West Main Street
  • PO Box 609
  • Luray
  • Virginia
  • 22835
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BRBSOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 1998

Biography

Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, N.A. that provides commercial banking and mortgage lending services. Its deposit products include checking, savings,  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 23:33
End of Day Share Price2019/08/15 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.