Blue Ridge Bankshares, Inc. Fundamental Analysis (AMEX: BRBS)
Blue Ridge Bankshares, Inc. Fundamental Analysis (AMEX: BRBS)
Blue Ridge Bankshares, Inc. (AMEX: BRBS) shows weak financial fundamentals with a PE ratio of 27.73, profit margin of 8.32%, and ROE of 3.68%. The company generates $0.1B in annual revenue with weak year-over-year growth of -13.39%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 10.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BRBS's fundamental strength across five key dimensions:
Efficiency Score
WeakBRBS struggles to generate sufficient returns from assets.
Valuation Score
ModerateBRBS shows balanced valuation metrics.
Growth Score
WeakBRBS faces weak or negative growth trends.
Financial Health Score
ModerateBRBS shows balanced financial health with some risks.
Profitability Score
WeakBRBS struggles to sustain strong margins.
Key Financial Metrics
Is BRBS Expensive or Cheap?
P/E Ratio
BRBS trades at 27.73 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, BRBS's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Blue Ridge Bankshares, Inc. at 1.10 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 16.17 times EBITDA. This signals the market has high growth expectations.
How Well Does BRBS Make Money?
Net Profit Margin
For every $100 in sales, Blue Ridge Bankshares, Inc. keeps $8.32 as profit after all expenses.
Operating Margin
Core operations generate 10.96 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $3.68 in profit for every $100 of shareholder equity.
ROA
Blue Ridge Bankshares, Inc. generates $0.50 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Blue Ridge Bankshares, Inc. produces operating cash flow of $32.82M, showing steady but balanced cash generation.
Free Cash Flow
Blue Ridge Bankshares, Inc. generates strong free cash flow of $30.67M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.34 in free cash annually.
FCF Yield
BRBS converts 9.70% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
27.73
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.003
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.10
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.16
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.62
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How BRBS Stacks Against Its Sector Peers
| Metric | BRBS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 27.73 | 21.05 | Worse (Expensive) |
| ROE | 3.68% | 653.00% | Weak |
| Net Margin | 8.32% | -610.00% (disorted) | Weak |
| Debt/Equity | 0.62 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 891.58 | Weak Liquidity |
| ROA | 0.50% | 6602.00% | Weak |
BRBS outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Blue Ridge Bankshares, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-89.10%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-95.17%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
101.00%
Industry Style: Value, Dividend, Cyclical
High Growth