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olivLaw · US equity research

Blue Ridge Bankshares, Inc. BRBS

State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)

3.99USD−1.97% · 1 dayClose 05 Nov 2026

Blue Ridge Bankshares is a bank holding company in Richmond, Virginia, providing commercial and consumer banking through Blue Ridge Bank, National Association, and wealth and trust services through BRB Financial Group. Its outlook now depends on the merger agreement with HomeTrust Bancshares announced in August 2026, which could close in the first quarter of 2027. Total assets stood at approximately 2.43 billion USD at 31 December 2025.

The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).

At the close of 05 Nov 2026, Blue Ridge Bankshares, Inc. (BRBS) stock was 3.99 USD (−1.97% on the day), with market capitalisation 357.8 m USD, dividend yield 10.71%, beta 0.61, 52-week range 3.24–4.65 USD. Latest reported quarter (Q3 2026): net income of -4.2 m USD (−174.3% YoY), diluted EPS -0.05 USD.

Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.

Market cap
357.8 m USD
shares as of 03 Nov 2026
P/E (TTM)
unavailable
Diluted EPS TTM -0.01 · TTM to 30 Sept 2026
E/P (TTM)
-0.18%
TTM to 30 Sept 2026
Dividend yield
10.71%
DPS 12m 0.43
Beta (2y)
0.61
Volatility (1y) 31%
52-week range
3.244.65

Price history

Loading chart…

Technical reading

RSI (14)
51.9
neutral
Bollinger (20, 2)
3.84 – 4.10
in the upper half of the band · %B 0.58 · band width 6.6%
SMA 50 / 200
3.95 / 3.82
uptrend (price > SMA50 > SMA200)
MACD (12, 26, 9)
0.03 / 0.03
MACD above signal

Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).

Performance

CompanyS&P 500vs S&P 500Vertical median
1 month+1.8%−5.9%+7.7 pp—
3 months+8.4%−4.6%+13.0 pp—
6 months+14.0%+0.2%+13.8 pp—
Year to date−6.6%+7.4%−14.0 pp—
1 year−14.9%+8.2%−23.1 pp+20.7%
3 years+62.9%+68.4%−5.6 pp+67.8%
5 years−78.0%+56.5%−134.5 pp—
Max drawdown (1y)
−30.3%
06 Nov 2025 → 03 Jun 2026
Max drawdown (5y)
−88.8%
23 Nov 2021 → 01 Nov 2023
Compound annual growth (5y)
−26.1%
S&P 500 +9.4%

Price returns, dividends excluded.

Quarterly results

Latest quarter: Q3 2026 · 30 Sept 2026

Revenue
unavailable USD
unavailable YoY
Net income
-4.2 m USD
−174.3% YoY
Diluted EPS
-0.05
−183.3% YoY
net / operating
unavailable / unavailable

Quarterly statements · USD

Fiscal yearQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Depreciation & amortisation361.0 k378.0 k325.0 k ≈325.0 k ≈338.0 k368.0 k363.0 k ≈349.0 k ≈
Pre-tax income-2.7 m-889.0 k1.8 m7.5 m5.4 m1.1 m-1.6 m-4.3 m
Income tax-698.0 k-455.0 k480.0 k1.9 m1.1 m277.0 k-333.0 k-160.0 k
Net income-2.0 m-434.0 k1.3 m5.6 m4.2 m836.0 k-1.3 m-4.2 m
Diluted EPS-0.03 ≈-0.010.010.060.04 ≈0.01-0.01-0.05
Operating cash flow-18.1 m-3.6 m10.7 m ≈6.4 m ≈128.0 k15.0 m1.7 m ≈4.6 m ≈
Capex134.0 k25.0 k127.0 k ≈700.0 k ≈827.0 k457.0 k221.0 k ≈66.0 k ≈
Dividends paid000 ≈0 ≈22.6 m140.0 k53.0 m ≈0 ≈

≈ derived quarter (cumulative difference / share-days average)

E/P over time

E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.

Fiscal years

Fiscal year20182019202020212022202320242025
Revenue32.6 m49.7 m111.3 munavailableunavailableunavailableunavailableunavailable
Revenue YoYunavailable+52.6%+124.0%unavailableunavailableunavailableunavailableunavailable
Net income4.6 m4.6 m17.7 m52.5 m17.3 m-51.8 m-15.4 m10.7 m
Net income YoYunavailable+0.4%+286.4%+196.5%−67.0%−398.7%unavailableunavailable
Diluted EPS1.641.102.052.940.92-2.73-0.310.11
Diluted EPS YoYunavailable−32.9%+86.4%+43.4%−68.7%−396.7%unavailableunavailable
net %14.0%9.2%15.9%unavailableunavailableunavailableunavailableunavailable
Free cash flow-6.1 m-21.7 m-111.4 m58.0 m93.5 m43.1 m-6.9 m11.9 m

Reported results vs expectations

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Balance sheet & financial health

Fiscal year 2025 · 31 Dec 2025

Cash
unavailable USD
Financial debt
unavailable USD
Net debt
unavailable USD
Equity
323.7 m USD
Total assets
2.4 bn USD
Debt / equity
unavailable
Current ratio
unavailable
ROE
3.3%
ROA
0.4%
FCF margin
unavailable

Financial statements (source on every figure)

Revenue and net income (USD)

Income statement · USD

Net interest income
2023
93.0 m
2024
78.7 m
2025
78.9 m

SEC (XBRL)· 12 Mar 2026verified

Net fee income
2023
28.4 m
2024
13.6 m
2025
12.8 m

SEC (XBRL)· 12 Mar 2026verified

Non-interest expense
2023
157.9 m
2024
113.8 m
2025
81.9 m

SEC (XBRL)· 12 Mar 2026verified

Pre-tax income
2023
-58.8 m
2024
-16.5 m
2025
13.8 m

SEC (XBRL)· 12 Mar 2026verified

Net income
2023
-51.8 m
2024
-15.4 m
2025
10.7 m

SEC (XBRL)· 12 Mar 2026verified

Diluted EPS
2023
-2.73
2024
-0.31
2025
0.11

SEC (XBRL)· 12 Mar 2026verified

Dividend per share
2023
—
2024
—
2025
—

SEC (XBRL)· 29 Mar 2021verified

Balance sheet · USD

Loans
2023
2.4 bn
2024
2.1 bn
2025
1.9 bn

SEC (XBRL)· 12 Mar 2026verified

Total assets
2023
3.1 bn
2024
2.7 bn
2025
2.4 bn

SEC (XBRL)· 12 Mar 2026verified

Deposits
2023
2.6 bn
2024
2.2 bn
2025
1.9 bn

SEC (XBRL)· 12 Mar 2026verified

Total liabilities
2023
2.9 bn
2024
2.4 bn
2025
2.1 bn

SEC (XBRL)· 12 Mar 2026verified

Equity
2023
186.0 m
2024
327.8 m
2025
323.7 m

SEC (XBRL)· 12 Mar 2026verified

Cash flow · USD

Dividends paid
2023
4.6 m
2024
0
2025
22.6 m

SEC (XBRL)· 12 Mar 2026verified

Computed indicators

Growth

Revenue growth (YoY)
124.0%
computed by olivLawFY 2020
Revenue CAGR 3Y
unavailable
input data missing
Revenue CAGR 5Y
unavailable
input data missing
Net income growth (YoY)
286.4%
computed by olivLawFY 2020
Net income CAGR 3Y
unavailable
input data missing
Net income CAGR 5Y
unavailable
input data missing
EPS growth (YoY)
86.4%
computed by olivLawFY 2020
EPS CAGR 3Y
unavailable
input data missing
EPS CAGR 5Y
unavailable
input data missing

Profitability

Net margin
unavailable
input data missing

Returns

ROE
-0.1%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
ROA
-0.0%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
Payout ratio (EPS)
unavailable
input data missing

Market and valuation

Market capitalisation
357.8 m USD
computed by olivLawbalance sheet at 30 Sept 2026
Market cap / net income TTM
unavailable
insufficient data
P/E (TTM)
unavailable
insufficient data
Earnings yield
-0.2%
computed by olivLawTTM to 30 Sept 2026
P/B
1.3x
computed by olivLawbalance sheet at 30 Sept 2026
P/S
unavailable
input data missing
Dividend yield
10.7%
computed by olivLawTTM to 30 Sept 2026
Shareholder yield (distributions)
21.2%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026

Banking

Net interest margin
2.9%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
Cost-to-income
86.0%
computed by olivLawTTM to 30 Sept 2026
Loan-to-deposit
104.0%
computed by olivLawbalance sheet at 30 Sept 2026
NPL ratio
unavailable
input data missing
CET1 ratio
unavailable
input data missing
Cost of risk
unavailable
input data missing

32 indicators that do not apply to the sector.

Valuation

olivLaw classification

Unattractive profile

Score: 25 / 100

A scoring methodology on indicators and valuation, not investment advice.

score < 40

Closing price

3.99 USD

05 Nov 2026Source: olivLaw, closing series

Market cap: 357.8 m USD

Key indicators

Market capitalisation
357.8 m USD
computed by olivLawbalance sheet at 30 Sept 2026
P/E (TTM)
unavailable
insufficient data
P/B
1.3x
computed by olivLawbalance sheet at 30 Sept 2026
ROE
-0.1%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
Net margin
unavailable
input data missing
Revenue growth (YoY)
124.0%
computed by olivLawFY 2020
Dividend yield
10.7%
computed by olivLawTTM to 30 Sept 2026

Coverage and freshness

13/20 reporting lines present
Latest full fiscal year: 2020
Latest reported period: 30 Sept 2026
Latest balance sheet date: 30 Sept 2026
Share count (cover of the latest filing), as of: 03 Nov 2026
Source: SEC (XBRL)published 05 Nov 2026
verified 1051derived 105

Score by group

  • Quality9
  • Balance sheet0
  • Valuation41
  • Returns100

Estimated value range

Low
3.20
USD per share
Mid
3.73
USD per share
High
4.22
USD per share
Price: 3.99 USD
The price is within the range
Potential to the central value: -6.5% (value / price − 1)
Margin of safety: -6.9% (1 − price / value)
Agreement between methods: low · 3 methods used · 3 independent bases

The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 2.34 – 7.55 USD.

Valuation assumptions are editorial choices, not measured; beta is not measured.

Method ranges (USD per share)

— — Mid · ▏ Price

Valuation methods

  • Residual income2.34 – 2.44 (Mid 2.39)
  • Justified P/Bunavailable · insufficient data
  • Dividend discount (DDM)5.62 – 7.55 (Mid 6.44)
  • Peers: P/Eunavailable · the base of the ratio is not positive
  • Peers: P/B3.20 – 4.22 (Mid 3.73)
    34 companies used · median multiple 1.3x · quartiles 1.1x – 1.4x
    ACNB, AUBN, BANR, BUSE, CATY, CFG, CIVB, COLB, CZFS, EFSI, EWBC, FCCO, FITB, FMNB, FUSB, FVCB, FXNC, GBFH, IBCP, MNSB, MTB, MVBF, OFG, OPBK, PEBK, RBB, STT, SYBT, TCBI, TCBK, TMP, UBCP, UCB, WTFC
Multiple comparisons use the SIC vertical: State Commercial Banks (SIC 6022)

Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.

Assumptions (illustrative, editorial)

Risk-free rate
4.3%
Equity risk premium
5.0%
Beta (default)
1.00
Cost of equity
9.3%
Terminal growth
2.5%

Factor scorecard

Unattractive profile · Score 25/100

FactorValueScoreWeight used
ROE · Quality-0.1%0 (vs peers)27%
ROA · Quality-0.0%0 (on a fixed band)10%
Cost-to-income · Quality86.0%0 (on a fixed band)17%
Net interest margin · Quality2.9%54 (on a fixed band)10%
EPS CAGR 3Y · Growthunavailableunavailable—
Revenue CAGR 3Y · Growthunavailableunavailable—
NPL ratio · Balance sheetunavailableunavailable—
Cost of risk · Balance sheetunavailableunavailable—
Loan-to-deposit · Balance sheet104.0%0 (on a fixed band)7%
P/B · Valuation1.3x41 (vs peers)17%
P/E (TTM) · Valuationunavailableunavailable—
Dividend yield · Returns10.7%100 (vs peers)13%

Factors without a value were dropped; the remaining weights were renormalised.

Score groups

  • Balance sheet· partial0/100 · 1/3 factors with a value
  • Growth· partialunavailable · 0/2 factors with a value
  • Quality9/100 · 4/4 factors with a value
  • Returns100/100 · 1/1 factors with a value
  • Valuation· partial41/100 · 1/2 factors with a value

A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.

Memo

BLUE RIDGE BANKSHARES, INC. (BRBS). Latest full fiscal year: 2020; data up to 2026-09-30.

Figures computed from the financial statements: net interest income 78.9 m USD in 2025; YoY growth 124.0%; ROE -0.1%.

The estimated value range is 3.20–4.22 USD per share (median of 3 methods, agreement: low); assumptions are illustrative. Against the central value of 3.73 USD, the price of 3.99 USD leaves a potential of -6.5% (value / price − 1) and a margin of safety of -6.9% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.

olivLaw score 25/100, methodological classification: unattractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance, growth, valuation. Not investment advice.

Text generated deterministically from the figures shown; no language model. Not investment advice.

What supports the thesis

  • Dividend yield: 10.7%

What contradicts it

  • ROE: -0.1%
  • ROA: -0.0%
  • Cost-to-income: 86.0%
  • Loan-to-deposit: 104.0%
  • The valuation methods diverge

Not assessed (insufficient data or a ratio without meaning): EPS CAGR 3Y, Revenue CAGR 3Y, NPL ratio, Cost of risk, P/E (TTM).

Versus the vertical median

State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies

Multiples and returns vs the median

P/E
—
vertical median 12.0x
EV/EBITDA
—
vertical median —
P/S
—
vertical median 19.2x
P/B
1.3x
vertical median 1.3x
above median (+6.6%)
ROE
-0.1%
vertical median 11.2%
below median (−101.1%)
Net margin
—
vertical median 218.4%
EBIT margin
—
vertical median —
Revenue YoY
124.0%
vertical median 3.4%
above median (+3,579.4%)
Net debt/EBITDA
—
vertical median —
Dividend yield
10.7%
vertical median 2.7%
above median (+292.5%)

Price rebased to 100 (monthly, 5 years)

Companies in the vertical

Market capP/EROENet marginRevenue YoY1A / 3A
BNYThe Bank Of New York Mellon Corporation99.2 bn16.215.0%32.6%+7.8%+32% / +205%
FITBFifth Third Bancorp48.3 bn18.09.4%—−2.0%+23% / +85%
STTState Street Corporation45.0 bn13.313.1%23.8%+7.3%+39% / +127%
MTBM&T Bank Corporation31.5 bn11.310.6%175.6%+7.5%+16% / +71%
NTRSNorthern Trust Corporation31.0 bn13.218.4%28.8%−2.5%+30% / +116%
CFGCitizens Financial Group Inc26.8 bn12.68.9%25.4%+5.6%+18% / +134%
EWBCEast West Bancorp, Inc.17.7 bn12.416.6%—+4.4%+21% / +105%
WTFCWintrust Financial Corp10.2 bn11.512.9%347.5%+5.9%+13% / +77%
COLBColumbia Banking System, Inc.8.4 bn10.511.2%471.8%+18.8%+10% / +36%
UCBUnited Community Banks, Inc.4.4 bn31.14.1%17.8%+11.7%+21% / +50%
TCBITexas Capital Bancshares Inc4.4 bn13.110.2%—unavailable+14% / +88%
CATYCathay General Bancorp4.3 bn12.511.7%590.4%+2.9%+32% / +75%
BANRBanner Corporation2.6 bn11.910.0%—unavailable+12% / +55%
SYBTStock Yards Bancorp, Inc.2.5 bn15.313.6%—+3.4%+20% / +80%
BUSEFirst Busey Corporation2.3 bn11.59.8%29.2%+55.7%+22% / +32%
OFGOFG Bancorp2.1 bn9.616.6%—unavailable+28% / +51%
TCBKTriCo Bancshares1.7 bn12.610.4%249.7%+4.1%+9% / +52%
TMPTompkins Financial Corp1.4 bn8.020.9%238.0%−4.5%+45% / +89%
FMNBFarmers National Banc Corp919.5 m10.610.9%20.5%+3.9%+14% / +26%
IBCPIndependent Bank Corporation802.1 m10.713.5%218.4%+0.3%+11% / +68%
ACNBAcnb Corporation665.7 m12.113.4%27.2%+45.1%+35% / +68%
CIVBCivista Bancshares, Inc.583.3 m10.111.0%302.4%−0.5%+24% / +80%
RBBRBB Bancorp434.7 m10.67.9%720.3%−2.4%+30% / +68%
CZFSCitizens Financial Services, Inc.413.9 m9.612.7%438.2%+2.8%+54% / +53%
BRBSBlue Ridge Bankshares, Inc.357.8 m—-0.1%—+124.0%−15% / +63%

1- and 3-year price returns: for BRBS from daily closes (the same as the performance table), for the other companies from month-end closes.

olivLaw engine forecast

The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.

The engine has no published run for this company yet.

Valuation scenarios (editable assumptions)

Illustrative scenarios

Scenarios are not available. input data missing

AI analysis

AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.

Possibly outdated: the newest document it read is from 26 Oct 2026; since then the company filed 10-Q (05 Nov 2026).

In brief

Blue Ridge Bankshares is a bank holding company in Richmond, Virginia, providing commercial and consumer banking through Blue Ridge Bank, National Association, and wealth and trust services through BRB Financial Group. Its outlook now depends on the merger agreement with HomeTrust Bancshares announced in August 2026, which could close in the first quarter of 2027 13. Total assets stood at approximately 2.43 billion USD at 31 December 2025 1.

SWOT

Strengths

  • The company has a solid capital structure, with high capital ratios and no outstanding subordinated notes after the July 2026 redemption 3.
  • The bank has an established regional footprint with branches across several areas of Virginia and North Carolina, and a history dating to the nineteenth century 1.
  • Net interest margin improved in the third quarter of 2026, and operating costs have been kept under control 3.

Weaknesses

  • The company reported net losses in 2024 and in the first nine months of 2026, so profitability remains fragile 13.
  • Loan quality was hurt by heavy exposure to a single out-of-market portfolio, which raises questions about risk control 3.
  • Leadership is interim, which could create uncertainty during the merger process and integration 3.

Opportunities

  • If the HomeTrust merger closes, the company could gain a broader capital base and greater scale 3.
  • Growth in commercial loans and deposits in Virginia and North Carolina could support steadier revenue if economic conditions stay favorable 13.
  • Lower funding costs and deposit rates could improve margins, especially if the deposit mix shifts favorably 3.

Threats

  • Competition from large banks and fintech firms could erode market share and pressure loan pricing 1.
  • A weaker economy in the core market could increase delinquencies and loan losses 1.
  • Regulatory changes or a failed merger could affect strategic plans and investor confidence 13.

Risks

  • Merger executionhigh

    Closing the HomeTrust merger depends on shareholder and regulatory approvals, and failure could affect the company's strategy 3.

  • Loan qualityhigh

    High provisions tied to a single portfolio show that credit deterioration could continue if other exposures emerge 3.

  • Interest rate riskmedium

    Changes in interest rates could compress net margin if deposit and borrowing costs rise faster than loan income 1.

  • Management concentrationmedium

    Reliance on the leadership team and the interim status of the chief executive role could affect strategy execution 13.

  • Disintermediationlow

    Customers moving to alternative financial instruments or digital platforms could reduce deposits and fee income 1.

Investment thesis

What would need to be true (bull case)

  • If the HomeTrust merger closes successfully, shareholders could benefit from a stronger structure and access to a wider network 3.
  • The recovery in net interest margin and lower operating costs suggest core performance could improve 3.
  • High capital and the elimination of subordinated debt could provide flexibility for growth or distributions, if conditions allow 3.

What would break the thesis

  • Repeated net losses and large provisions show profitability could remain weak in the period ahead 13.
  • If the merger does not proceed, the company could remain with a fragile structure and unresolved growth challenges 3.
  • Declining non-interest-bearing deposits and competitive pressure could limit growth in interest income 13.

What to watch

  • Completion of the HomeTrust merger and shareholder approvalsQ1 2027
  • Trend in credit loss provisions and nonperforming loansQ4 2026
  • Net interest margin and cost of depositsQ4 2026
  • Appointment of a permanent chief executive2027

Products, market & competition

AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.

Possibly outdated: the newest document it read is from 26 Oct 2026; since then the company filed 10-Q (05 Nov 2026).

The business

The company is a bank holding company based in Richmond, Virginia, operating through its bank subsidiary Blue Ridge Bank, National Association, and BRB Financial Group, Inc., which handles investment and trust management 1. The bank's main office is in Martinsville, Virginia, and at 31 December 2025 it operated twenty-seven full-service offices across a footprint from the Shenandoah Valley to Hampton Roads and central North Carolina 1. Its primary revenue source is interest income from lending, while major expenses are interest on deposits and general and administrative costs 1.

The company exited its banking-as-a-service deposit operations through fintech partnerships in 2024 and is ending its indirect fintech lending relationships, with full exit expected in 2026 1. It sold its Monarch Mortgage division in March 2025, and in November 2025 the OCC terminated the consent order that had mainly concerned fintech operations 1. Since 2025 the company has focused on a community bank with measured growth 1.

The capital structure was shaped by 2024 private placements and shareholder distributions, including a special dividend of 0.60 USD per share in April 2026 2. The bank's capital ratios at 30 September 2026 remained at elevated levels, according to the results release 3.

Segments

Mortgage and commercial real estate loans

Real estate mortgage loans are the largest segment of the loan portfolio and include residential, multi-family, home equity, and commercial property loans 1.

Consumer deposits and wealth and trust services

Consumer deposit products, commercial treasury services, and the trust and wealth management offering through BRB Financial Group complete the banking offer 1.

Market context

The bank's main market covers Virginia and North Carolina from the Shenandoah Valley to Hampton Roads, served by several major interstates 1. Competition is intense from national and regional banks, credit unions, fintech firms, and nonbank companies 1.

In the third quarter of 2026, net interest income was 17.4 million USD, and loans held for investment grew slightly, though interest income fell compared with the prior year 3. This suggests the lending market in the bank's area remains competitive, and margin pressure could continue 3.

Trends

  • Consolidation through mergermixed

    The merger agreement with HomeTrust Bancshares announced in August 2026 could simplify the structure and broaden access to capital if approved by shareholders and regulators 3.

  • Recovery in net interest margintailwind

    Net interest margin rose in the third quarter of 2026, supported by higher loan yields and lower deposit costs 3.

  • Pressure on loan qualityheadwind

    Credit loss provisions rose significantly in 2026, tied to a single out-of-market portfolio, showing concentration risk 3.

  • Digitalization of financial servicesmixed

    Digital payments, stablecoins, and technology platforms could reduce customers' reliance on banks, though they may also create new deposit channels 1.

Competitive position

Competitors include national, regional, and community banks, credit unions, fintech companies, mutual funds, and insurers 1. Many rivals have greater financial resources, wider branch networks, and lower operating costs 1.

The company aims to compete through personalized service, competitive pricing, and community involvement, but a changing competitive environment could slow deposit and loan growth 1.

  • Truist Financial CorporationTFC

    Large regional bank with a presence in Virginia and North Carolina, competing for commercial loans and deposits.

  • Atlantic Union BanksharesAUB

    Virginia-based regional bank with similar operations in the company's core market area.

  • First Citizens BancShares

    Bank operating in North Carolina and other states, competing for commercial clients.

  • Local credit unions and community banks

    Smaller institutions in the same towns that compete through personal service and attractive rates.

News & filings

In the press

No news in our archive over the last 180 days.

SEC filings

Sources

  1. [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Blue Ridge Bankshares, Inc. · 12 Mar 2026
  2. [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Blue Ridge Bankshares, Inc. · 10 Aug 2026
  3. [3] Form 8-K, results release (exhibit 99.1) · SEC / Blue Ridge Bankshares, Inc. · 26 Oct 2026

Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.