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Blue Ridge Bankshares (BRBS) Financials

Blue Ridge Bankshares logo
$3.12 +0.02 (+0.65%)
Closing price 04:00 PM Eastern
Extended Trading
$3.12 +0.00 (+0.16%)
As of 04:05 PM Eastern
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Annual Income Statements for Blue Ridge Bankshares

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 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 105 35 -52 -15
Consolidated Net Income / (Loss)		 52 17 -52 -15
Net Income / (Loss) Continuing Operations		 53 17 -52 -15
Total Pre-Tax Income 		68 22 -59 -17
Total Revenue		 179 153 121 92
Net Interest Income / (Expense)		 92 105 93 79
Total Interest Income		 104 122 169 160
Loans and Leases Interest Income		 98 111 153 142
Federal Funds Sold and Securities Borrowed Interest Income		 5.61 11 16 18
Total Interest Expense		 11 17 76 82
Deposits Interest Expense		 6.44 11 60 69
Short-Term Borrowings Interest Expense		 2.00 3.61 14 10
Long-Term Debt Interest Expense		 2.63 2.22 2.21 2.41
Total Non-Interest Income		 87 48 28 14
Trust Fees by Commissions		 2.37 1.77 1.84 2.43
Service Charges on Deposit Accounts		 1.46 1.29 1.26 1.53
Other Service Charges		 5.34 6.76 11 8.03
Net Realized & Unrealized Capital Gains on Investments		 33 14 3.42 -12
Other Non-Interest Income		 45 24 11 13
Provision for Credit Losses		 0.12 26 22 -5.10
Total Non-Interest Expense		 111 105 158 114
Salaries and Employee Benefits		 61 56 58 58
Net Occupancy & Equipment Expense		 11 11 17 16
Marketing Expense		 1.36 1.46 1.16 0.93
Property & Liability Insurance Claims		 1.01 4.34 5.06 7.51
Other Operating Expenses		 23 31 49 31
Amortization Expense		 1.67 1.53 1.30 1.08
Impairment Charge		 0.00 0.00 27 0.00
Income Tax Expense		 16 5.20 -7.07 -1.12
Weighted Average Basic Shares Outstanding		 18.77M 18.95M 19.20M 87.79M
Weighted Average Diluted Shares Outstanding		 18.77M 18.95M 19.20M 87.79M
Weighted Average Basic & Diluted Shares Outstanding		 18.77M 18.95M 19.20M 87.79M

Quarterly Income Statements for Blue Ridge Bankshares

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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 5.47 -8.55 3.97 -8.61 -41 -5.76 -2.89 -12 0.95 -1.85
Consolidated Net Income / (Loss)		 2.74 -4.28 3.97 -8.61 -41 -5.76 -2.89 -11 0.95 -2.00
Net Income / (Loss) Continuing Operations		 2.74 -4.28 3.97 -8.61 -46 -1.07 -2.89 -11 0.95 -2.00
Total Pre-Tax Income 		3.54 -5.37 5.14 -10 -46 -7.48 -3.30 -12 1.55 -2.70
Total Revenue		 37 34 32 34 30 26 28 20 22 22
Net Interest Income / (Expense)		 29 28 25 24 22 22 20 20 19 19
Total Interest Income		 33 36 41 42 42 43 43 41 39 38
Loans and Leases Interest Income		 30 33 37 38 39 39 38 36 35 33
Federal Funds Sold and Securities Borrowed Interest Income		 2.94 3.35 3.76 4.13 3.93 4.23 4.19 4.44 4.48 4.88
Total Interest Expense		 4.47 8.33 16 19 20 21 22 21 20 19
Deposits Interest Expense		 3.03 5.13 11 15 16 18 18 17 17 16
Short-Term Borrowings Interest Expense		 0.87 2.65 3.81 3.40 3.61 2.96 3.14 2.72 2.57 1.74
Long-Term Debt Interest Expense		 0.57 0.55 0.55 0.55 0.57 0.54 0.56 0.55 0.57 0.74
Total Non-Interest Income		 7.97 5.84 7.28 9.74 7.42 3.94 7.83 0.31 2.74 2.70
Trust Fees by Commissions		 0.51 0.45 0.43 0.46 0.46 0.48 0.52 0.62 0.73 0.56
Service Charges on Deposit Accounts		 0.35 0.29 0.34 0.35 0.37 0.20 0.40 0.42 0.42 0.29
Other Service Charges		 1.67 1.16 0.33 2.83 3.59 4.03 3.56 3.85 -1.32 1.94
Net Realized & Unrealized Capital Gains on Investments		 1.52 9.65 2.36 2.10 -0.59 -0.45 0.10 -8.53 -0.84 -2.46
Other Non-Interest Income		 3.92 -5.71 3.82 4.00 3.59 -0.32 3.24 3.94 3.76 2.37
Provision for Credit Losses		 3.90 12 -1.51 10 11 2.77 -1.00 3.10 -6.20 -1.00
Total Non-Interest Expense		 29 28 29 34 65 30 32 29 26 26
Salaries and Employee Benefits		 14 12 15 15 15 14 16 15 14 13
Net Occupancy & Equipment Expense		 2.75 2.95 2.92 3.04 4.37 6.28 2.63 2.20 4.16 6.61
Marketing Expense		 0.30 0.32 0.29 0.34 0.35 0.18 0.30 0.18 0.22 0.23
Property & Liability Insurance Claims		 0.46 3.55 1.96 4.00 2.23 -3.14 1.82 2.18 1.74 1.77
Other Operating Expenses		 11 8.51 8.04 12 16 13 11 9.57 6.17 3.42
Amortization Expense		 0.38 0.37 0.36 0.34 0.31 0.30 0.29 0.28 0.27 0.26
Income Tax Expense		 0.80 -1.10 1.17 -1.83 - - -0.41 -0.62 0.60 -0.70
Weighted Average Basic Shares Outstanding		 18.95M 18.95M 18.94M 19.19M 19.19M 19.20M 22.98M 73.50M 73.52M 87.79M
Weighted Average Diluted Shares Outstanding		 18.95M 18.95M 18.94M 19.19M 19.19M 19.20M 22.98M 73.50M 73.52M 87.79M
Weighted Average Basic & Diluted Shares Outstanding		 18.95M 18.95M 18.94M 19.19M 19.19M 19.20M 22.98M 73.50M 73.52M 87.79M

Annual Cash Flow Statements for Blue Ridge Bankshares

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 2021 2022 2023 2024
Net Change in Cash & Equivalents		 13 -53 44 55
Net Cash From Operating Activities		 59 94 44 -6.31
Net Cash From Continuing Operating Activities		 59 94 0.00 0.00
Net Income / (Loss) Continuing Operations		 53 17 -52 -15
Consolidated Net Income / (Loss)		 - - -52 -15
Provision For Loan Losses		 0.12 26 22 -5.10
Depreciation Expense		 2.14 1.98 1.70 1.53
Amortization Expense		 3.74 2.89 1.98 1.63
Non-Cash Adjustments to Reconcile Net Income		 -1.06 41 63 36
Changes in Operating Assets and Liabilities, net		 1.43 5.66 6.43 -25
Net Cash From Discontinued Operating Activities		 0.22 0.06 0.00 0.00
Net Cash From Investing Activities		 52 -628 -23 419
Net Cash From Continuing Investing Activities		 53 -628 0.00 0.00
Purchase of Property, Leasehold Improvements and Equipment		 -1.22 -0.46 -0.96 -0.59
Purchase of Investment Securities		 -301 -725 -63 303
Sale of Property, Leasehold Improvements and Equipment		 0.55 2.21 1.02 0.00
Sale and/or Maturity of Investments		 779 34 43 113
Net Increase in Fed Funds Sold		 -41 42 -3.03 3.61
Net Cash From Discontinued Investing Activities		 -0.17 0.25 0.00 0.00
Net Cash From Financing Activities		 -99 481 23 -358
Net Cash From Continuing Financing Activities		 -99 481 23 -359
Net Change in Deposits		 325 206 64 -386
Issuance of Debt		 1,155 823 2,005 726
Issuance of Common Equity		 - - 0.00 152
Repayment of Debt		 -1,573 -539 -2,042 -851
Payment of Dividends		 -7.18 -9.10 -4.56 0.00
Other Financing Activities, Net		 0.80 0.01 0.03 0.00
Cash Interest Paid		 12 16 68 84
Cash Income Taxes Paid		 10 2.08 6.66 0.00

Quarterly Cash Flow Statements for Blue Ridge Bankshares

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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 23 -21 149 -95 107 -117 7.05 2.33 155 -110
Net Cash From Operating Activities		 13 -29 10 12 0.94 20 -7.52 -4.82 24 -18
Net Cash From Continuing Operating Activities		 13 -29 0.00 23 0.94 -24 0.00 -12 24 -12
Net Income / (Loss) Continuing Operations		 2.74 -4.28 3.97 -8.61 -41 -5.76 -2.89 -11 0.95 -2.00
Consolidated Net Income / (Loss)		 - - 3.97 -8.61 -41 -5.76 -2.89 -11 0.95 -2.00
Provision For Loan Losses		 3.90 12 -1.51 10 11 2.77 -1.00 3.10 -6.20 -1.00
Depreciation Expense		 0.48 0.46 0.44 0.43 0.41 0.41 0.43 0.38 0.36 0.36
Amortization Expense		 0.67 0.61 0.53 0.53 0.48 0.45 0.43 0.43 0.41 0.37
Non-Cash Adjustments to Reconcile Net Income		 13 -46 1.53 11 38 13 2.56 3.42 36 -6.35
Changes in Operating Assets and Liabilities, net		 -8.26 9.15 5.22 -0.51 -7.40 9.12 -7.05 -0.70 -7.27 -9.48
Net Cash From Investing Activities		 -77 -245 -45 -1.99 12 12 45 137 124 114
Net Cash From Continuing Investing Activities		 -77 -245 0.00 -47 12 35 0.00 181 124 -305
Purchase of Property, Leasehold Improvements and Equipment		 -0.04 -0.19 -0.54 -0.11 -0.07 -0.25 -0.05 -0.16 -0.25 -0.13
Purchase of Investment Securities		 -113 -265 -52 -12 -1.71 3.26 38 111 82 72
Sale and/or Maturity of Investments		 8.68 9.83 8.57 4.97 18 11 9.05 24 40 40
Net Increase in Fed Funds Sold		 25 9.16 -0.55 -0.52 -0.09 -1.87 -2.40 1.63 2.31 2.07
Net Cash From Financing Activities		 87 253 184 -105 94 -150 -30 -129 7.50 -206
Net Cash From Continuing Financing Activities		 87 253 0.00 79 94 -150 0.00 -160 7.50 -207
Net Change in Deposits		 74 93 259 -148 163 -210 -100 -140 21 -167
Issuance of Common Equity		 - - - - - - - - -0.33 -0.01
Repayment of Debt		 -185 -326 -583 -590 -489 -380 -280 -378 -153 -40
Cash Interest Paid		 4.40 7.22 13 16 20 19 21 23 21 19

Annual Balance Sheets for Blue Ridge Bankshares

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 2021 2022 2023 2024
Total Assets		 2,665 3,130 3,118 2,737
Cash and Due from Banks		 131 77 110 174
Restricted Cash		 - 0.00 11 2.46
Federal Funds Sold		 44 1.43 4.45 0.84
Trading Account Securities		 374 354 321 312
Loans and Leases, Net of Allowance		 1,765 2,368 2,395 2,089
Loans and Leases		 1,777 2,399 2,431 2,112
Allowance for Loan and Lease Losses		 12 31 36 23
Loans Held for Sale		 122 70 46 31
Accrued Investment Income		 9.57 12 15 13
Premises and Equipment, Net		 27 23 22 21
Mortgage Servicing Rights		 16 29 27 0.39
Intangible Assets		 7.59 6.58 5.38 3.86
Other Assets		 113 150 160 90
Total Liabilities & Shareholders' Equity		 2,665 3,130 3,118 2,737
Total Liabilities		 2,388 2,882 2,932 2,409
Non-Interest Bearing Deposits		 686 640 506 453
Interest Bearing Deposits		 1,612 1,862 2,060 1,727
Long-Term Debt		 68 352 315 190
Other Long-Term Liabilities		 22 27 51 40
Commitments & Contingencies		 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 277 249 186 328
Total Preferred & Common Equity		 277 0.00 186 328
Total Common Equity		 277 249 186 328
Common Stock		 195 196 198 352
Retained Earnings		 86 98 33 18
Accumulated Other Comprehensive Income / (Loss)		 -3.63 -45 -45 -42

Quarterly Balance Sheets for Blue Ridge Bankshares

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
Total Assets		 2,880 3,324 3,214 3,263 3,076 2,933 2,945
Cash and Due from Banks		 98 226 132 239 117 125 282
Restricted Cash		 - - - - 11 5.92 4.16
Federal Funds Sold		 11 1.98 2.49 2.58 6.85 5.22 2.91
Trading Account Securities		 360 352 341 314 314 307 315
Loans and Leases, Net of Allowance		 2,138 2,409 2,409 2,390 2,359 2,231 2,155
Loans and Leases		 2,158 2,445 2,447 2,440 2,394 2,259 2,180
Allowance for Loan and Lease Losses		 21 36 39 50 35 28 25
Loans Held for Sale		 26 77 64 70 35 54 22
Accrued Investment Income		 9.58 14 15 16 15 14 13
Premises and Equipment, Net		 24 23 23 23 22 22 22
Mortgage Servicing Rights		 30 27 28 29 28 30 20
Intangible Assets		 7.02 6.20 5.93 5.52 5.01 4.55 4.20
Other Assets		 137 153 160 168 163 134 106
Total Liabilities & Shareholders' Equity		 2,880 3,324 3,214 3,263 3,076 2,933 2,945
Total Liabilities		 2,629 3,077 2,983 3,080 2,895 2,607 2,608
Non-Interest Bearing Deposits		 788 595 576 573 496 470 460
Interest Bearing Deposits		 1,622 2,167 2,037 2,203 1,969 1,856 1,887
Long-Term Debt		 190 279 324 255 385 243 230
Other Long-Term Liabilities		 29 37 46 49 45 39 32
Commitments & Contingencies		 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
Total Preferred & Common Equity		 251 247 231 183 181 326 336
Preferred Stock		 - - - - - 0.14 0.14
Total Common Equity		 251 247 231 183 181 325 336
Common Stock		 196 197 197 198 198 351 351
Retained Earnings		 104 91 80 39 30 19 20
Accumulated Other Comprehensive Income / (Loss)		 -49 -41 -46 -54 -48 -44 -34

Annual Metrics and Ratios for Blue Ridge Bankshares

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

Metric 2021 2022 2023 2024
Growth Metrics		 - - - -
Revenue Growth		 78.83% -14.94% -20.47% -24.03%
EBITDA Growth		 192.09% -63.55% -303.82% 75.81%
EBIT Growth		 201.51% -67.53% -365.11% 71.95%
NOPAT Growth		 195.03% -67.70% -342.34% 71.95%
Net Income Growth		 196.55% -66.97% -398.68% 70.28%
EPS Growth		 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 154.65% 58.63% -53.10% -114.32%
Free Cash Flow Firm Growth		 183.22% -200.63% 124.52% -148.41%
Invested Capital Growth		 -34.80% 73.98% -16.59% 3.34%
Revenue Q/Q Growth		 0.00% 0.00% -6.38% -4.03%
EBITDA Q/Q Growth		 0.00% 0.00% -4.41% 25.86%
EBIT Q/Q Growth		 0.00% 0.00% -3.72% 22.46%
NOPAT Q/Q Growth		 0.00% 0.00% -3.72% 22.46%
Net Income Q/Q Growth		 0.00% 0.00% -2.95% 19.62%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 891.09% -119.56%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 80.27%
Invested Capital Q/Q Growth		 0.00% 0.00% 14.42% -8.58%
Profitability Metrics		 - - - -
EBITDA Margin		 41.37% 17.73% -45.43% -14.47%
EBIT Margin		 38.09% 14.54% -48.46% -17.90%
Profit (Net Income) Margin		 29.24% 11.35% -42.64% -16.68%
Tax Burden Percent		 76.77% 78.10% 87.98% 93.20%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.02% 23.42% 0.00% 0.00%
Return on Invested Capital (ROIC)		 12.04% 3.60% -7.48% -2.27%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.98% 3.76% -10.66% -3.79%
Return on Net Nonoperating Assets (RNNOA)		 15.20% 3.00% -16.34% -3.72%
Return on Equity (ROE)		 27.24% 6.59% -23.82% -5.99%
Cash Return on Invested Capital (CROIC)		 54.17% -50.41% 10.61% -5.56%
Operating Return on Assets (OROA)		 3.28% 0.77% -1.88% -0.56%
Return on Assets (ROA)		 2.52% 0.60% -1.66% -0.53%
Return on Common Equity (ROCE)		 27.21% 6.59% -23.82% -5.99%
Return on Equity Simple (ROE_SIMPLE)		 18.95% 0.00% -27.84% -4.69%
Net Operating Profit after Tax (NOPAT)		 53 17 -41 -12
NOPAT Margin		 29.32% 11.13% -33.93% -12.53%
Net Nonoperating Expense Percent (NNEP)		 0.06% -0.16% 3.18% 1.52%
SG&A Expenses to Revenue		 40.95% 44.53% 62.53% 80.98%
Operating Expenses to Revenue		 61.84% 68.63% 130.08% 123.43%
Earnings before Interest and Taxes (EBIT)		 68 22 -59 -17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 74 27 -55 -13
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.31 0.86
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.32 0.87
Price to Revenue (P/Rev)		 0.00 0.00 0.48 3.06
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 20.21% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.49 0.57
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 2.04 3.21
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 5.62 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 4.23 0.00
Leverage & Solvency		 - - - -
Debt to Equity		 0.25 1.41 1.69 0.58
Long-Term Debt to Equity		 0.25 1.41 1.69 0.58
Financial Leverage		 1.27 0.80 1.53 0.98
Leverage Ratio		 10.80 11.02 14.37 11.40
Compound Leverage Factor		 10.80 11.02 14.37 11.40
Debt to Total Capital		 19.70% 58.57% 62.86% 36.67%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 19.70% 58.57% 62.86% 36.67%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.07% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.23% 41.43% 37.14% 63.33%
Debt to EBITDA		 0.92 12.99 -5.71 -14.22
Net Debt to EBITDA		 -1.43 10.09 -3.43 -0.97
Long-Term Debt to EBITDA		 0.92 12.99 -5.71 -14.22
Debt to NOPAT		 1.29 20.69 -7.64 -16.43
Net Debt to NOPAT		 -2.02 16.06 -4.59 -1.12
Long-Term Debt to NOPAT		 1.29 20.69 -7.64 -16.43
Noncontrolling Interest Sharing Ratio		 0.12% 0.04% 0.00% 0.00%
Liquidity Ratios		 - - - -
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 237 -238 58 -28
Operating Cash Flow to CapEx		 8,837.76% 0.00% 0.00% -1,080.48%
Free Cash Flow to Firm to Interest Expense		 21.40 -13.95 0.77 -0.35
Operating Cash Flow to Interest Expense		 5.35 5.50 0.58 -0.08
Operating Cash Flow Less CapEx to Interest Expense		 5.29 5.60 0.58 -0.08
Efficiency Ratios		 - - - -
Asset Turnover		 0.09 0.05 0.04 0.03
Fixed Asset Turnover		 8.66 6.13 5.34 4.22
Capital & Investment Metrics		 - - - -
Invested Capital		 345 600 501 518
Invested Capital Turnover		 0.41 0.32 0.22 0.18
Increase / (Decrease) in Invested Capital		 -184 255 -100 17
Enterprise Value (EV)		 0.00 0.00 247 296
Market Capitalization		 0.00 0.00 58 283
Book Value per Share		 $22.31 $13.13 $9.69 $4.46
Tangible Book Value per Share		 $19.54 $11.37 $9.41 $4.41
Total Capital		 345 600 501 518
Total Debt		 68 352 315 190
Total Long-Term Debt		 68 352 315 190
Net Debt		 -106 273 189 13
Capital Expenditures (CapEx)		 0.67 -1.76 -0.06 0.58
Net Nonoperating Expense (NNE)		 0.14 -0.34 11 3.83
Net Nonoperating Obligations (NNO)		 68 352 315 190
Total Depreciation and Amortization (D&A)		 5.89 4.87 3.68 3.16
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 18.77M 0.00 19.20M 87.79M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 18.77M 0.00 19.20M 87.79M
Adjusted Basic & Diluted Earnings per Share		 $2.94 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.77M 0.00 19.20M 87.79M
Normalized Net Operating Profit after Tax (NOPAT)		 62 17 -22 -12
Normalized NOPAT Margin		 34.41% 11.16% -18.46% -12.53%
Pre Tax Income Margin		 38.09% 14.54% -48.46% -17.90%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 6.18 1.30 -0.77 -0.20
NOPAT to Interest Expense		 4.76 0.99 -0.54 -0.14
EBIT Less CapEx to Interest Expense		 6.12 1.40 -0.77 -0.21
NOPAT Less CapEx to Interest Expense		 4.70 1.10 -0.54 -0.15
Payout Ratios		 - - - -
Dividend Payout Ratio		 13.69% 52.51% -8.82% 0.00%
Augmented Payout Ratio		 13.69% 52.51% -8.82% 0.00%

Quarterly Metrics and Ratios for Blue Ridge Bankshares

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

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.47% 0.00% -32.00% -1.91% -19.21% -24.34% -13.25% -39.35% -26.23% -15.08%
EBITDA Growth		 -58.91% 0.00% -74.49% -447.87% -1,269.03% -54.18% -139.86% -24.26% 103.96% 70.23%
EBIT Growth		 -61.02% 0.00% -77.22% -815.00% -1,402.35% -39.24% -164.18% -15.44% 103.35% 63.90%
NOPAT Growth		 -60.12% 0.00% -77.21% -753.60% -1,278.54% -39.24% -158.19% -15.44% 102.93% 63.90%
Net Income Growth		 -59.80% 0.00% -77.64% -870.39% -1,612.10% -34.65% -172.87% -32.76% 102.29% 65.22%
EPS Growth		 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% -163.80% -89.29% -15.03% 0.00% 170.20% -173.86% 0.00% 0.00% -188.47%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 93.29% 0.00% 91.89% 96.18% -334.28% -119.73%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% -0.66% -16.59% 7.61% 2.36% 29.34% 3.34%
Revenue Q/Q Growth		 6.90% -7.29% 0.00% 3.53% -11.95% -13.18% 0.00% -27.62% 7.10% -0.06%
EBITDA Q/Q Growth		 43.69% -209.84% 0.00% -255.04% -382.86% 85.51% 0.00% -383.37% 115.37% -209.01%
EBIT Q/Q Growth		 142.26% -251.94% 0.00% -303.01% -341.27% 83.76% 0.00% -265.18% 112.82% -274.82%
NOPAT Q/Q Growth		 144.72% -237.49% 0.00% -284.06% -341.27% 83.76% 0.00% -265.18% 111.21% -299.86%
Net Income Q/Q Growth		 144.72% -256.32% 0.00% -316.95% -380.33% 86.08% 0.00% -295.26% 108.27% -311.73%
EPS Q/Q Growth		 150.00% 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% -324.80% 134.91% 25.51% 0.00% 2,086.75% 0.00% 0.00% 0.00% -175.04%
Free Cash Flow Firm Q/Q Growth		 0.00% 100.00% 0.00% -7.82% 94.78% 421.48% 0.00% 49.16% -492.67% 85.39%
Invested Capital Q/Q Growth		 0.00% 36.29% 0.00% 5.62% -21.17% 14.42% 0.00% 0.46% -0.38% -8.58%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 10.68% -12.65% 18.82% -28.18% -154.54% -25.79% -8.65% -57.74% 8.29% -9.04%
EBIT Margin		 9.65% -15.82% 15.83% -31.04% -155.58% -29.11% -11.71% -59.09% 7.07% -12.37%
Profit (Net Income) Margin		 7.47% -12.59% 12.22% -25.61% -139.73% -22.41% -10.27% -56.07% 4.33% -9.18%
Tax Burden Percent		 77.35% 79.59% 77.21% 82.51% 89.81% 76.96% 87.67% 94.89% 61.23% 74.16%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.65% 0.00% 22.79% 0.00% 0.00% 0.00% 0.00% 0.00% 38.77% 0.00%
Return on Invested Capital (ROIC)		 0.00% -2.82% 13.49% -22.38% 0.00% -4.49% 0.00% 0.00% 0.00% -1.57%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% -2.96% 13.49% -23.19% 0.00% -4.65% 0.00% 0.00% 0.00% -1.61%
Return on Net Nonoperating Assets (RNNOA)		 0.00% -4.19% 15.25% -32.48% 0.00% -7.13% 0.00% 0.00% 0.00% -1.58%
Return on Equity (ROE)		 0.00% -7.00% 28.74% -54.87% 0.00% -11.62% 0.00% 0.00% 0.00% -3.15%
Cash Return on Invested Capital (CROIC)		 0.00% -39.69% 0.00% 0.00% 0.00% 10.61% 0.00% 0.00% 0.00% -5.56%
Operating Return on Assets (OROA)		 0.00% -0.83% 1.38% -2.76% 0.00% -1.13% 0.00% 0.00% 0.00% -0.39%
Return on Assets (ROA)		 0.00% -0.66% 1.07% -2.28% 0.00% -0.87% 0.00% 0.00% 0.00% -0.29%
Return on Common Equity (ROCE)		 0.00% -7.00% 28.74% -54.87% 0.00% -11.62% 0.00% 0.00% 0.00% -3.15%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 4.77% -3.81% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 2.74 -3.76 3.97 -7.31 -32 -5.24 -2.31 -8.44 0.95 -1.89
NOPAT Margin		 7.47% -11.07% 12.22% -21.73% -108.91% -20.38% -8.20% -41.37% 4.33% -8.66%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.15% 0.00% 0.81% 4.10% 0.16% 0.18% 1.06% 0.00% 0.04%
SG&A Expenses to Revenue		 47.02% 44.54% 56.93% 53.23% 65.38% 78.48% 67.34% 84.90% 83.89% 92.03%
Operating Expenses to Revenue		 79.71% 81.11% 88.82% 101.27% 218.26% 118.34% 115.26% 143.89% 121.31% 116.96%
Earnings before Interest and Taxes (EBIT)		 3.54 -5.37 5.14 -10 -46 -7.48 -3.30 -12 1.55 -2.70
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.91 -4.30 6.11 -9.48 -46 -6.63 -2.44 -12 1.81 -1.97
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.92 0.00 0.00 0.00 0.31 0.00 0.00 0.00 0.86
Price to Tangible Book Value (P/TBV)		 0.00 1.06 0.00 0.00 0.00 0.32 0.00 0.00 0.00 0.87
Price to Revenue (P/Rev)		 0.00 1.50 0.00 0.00 0.00 0.48 0.00 0.00 0.00 3.06
Price to Earnings (P/E)		 0.00 6.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 4.03% 0.00% 0.00% 0.00% 20.21% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 15.13% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.84 0.00 0.00 0.00 0.49 0.00 0.00 0.00 0.57
Enterprise Value to Revenue (EV/Rev)		 0.00 3.29 0.00 0.00 0.00 2.04 0.00 0.00 0.00 3.21
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 18.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 22.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 29.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 5.35 0.00 0.00 0.00 5.62 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 4.23 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.76 1.41 1.13 1.40 1.39 1.69 2.13 0.75 0.68 0.58
Long-Term Debt to Equity		 0.76 1.41 1.13 1.40 1.39 1.69 2.13 0.75 0.68 0.58
Financial Leverage		 0.76 1.41 1.13 1.40 1.03 1.53 1.55 1.02 0.93 0.98
Leverage Ratio		 11.50 11.02 13.47 13.90 14.17 14.37 14.97 11.04 11.96 11.40
Compound Leverage Factor		 11.50 11.02 13.47 13.90 14.17 14.37 14.97 11.04 11.96 11.40
Debt to Total Capital		 43.14% 58.57% 53.07% 58.35% 58.23% 62.86% 68.02% 42.71% 40.59% 36.67%
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%
Long-Term Debt to Total Capital		 43.14% 58.57% 53.07% 58.35% 58.23% 62.86% 68.02% 42.71% 40.59% 36.67%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.02% 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%
Common Equity to Total Capital		 56.86% 41.43% 46.93% 41.65% 41.77% 37.14% 31.98% 57.27% 59.39% 63.33%
Debt to EBITDA		 0.00 12.99 1.70 2.34 0.00 -5.71 0.00 0.00 0.00 -14.22
Net Debt to EBITDA		 0.00 10.09 0.31 1.37 0.00 -3.43 0.00 0.00 0.00 -0.97
Long-Term Debt to EBITDA		 0.00 12.99 1.70 2.34 0.00 -5.71 0.00 0.00 0.00 -14.22
Debt to NOPAT		 0.00 20.69 23.72 -43.95 0.00 -7.64 0.00 0.00 0.00 -16.43
Net Debt to NOPAT		 0.00 16.06 4.31 -25.73 0.00 -4.59 0.00 0.00 0.00 -1.12
Long-Term Debt to NOPAT		 0.00 20.69 23.72 -43.95 0.00 -7.64 0.00 0.00 0.00 -16.43
Noncontrolling Interest Sharing Ratio		 0.00% 0.04% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -438 0.00 -522 -563 -29 94 -42 -22 -127 -19
Operating Cash Flow to CapEx		 0.00% 0.00% 1,899.07% 11,940.19% 0.00% 8,636.29% -14,184.91% 0.00% 0.00% -13,514.18%
Free Cash Flow to Firm to Interest Expense		 -97.98 0.00 -33.25 -30.29 -1.45 4.41 -1.91 -1.05 -6.34 -0.99
Operating Cash Flow to Interest Expense		 0.00 -3.50 0.65 0.69 0.00 0.96 -0.34 0.00 0.00 -0.96
Operating Cash Flow Less CapEx to Interest Expense		 0.00 -3.49 0.61 0.68 0.00 0.95 -0.34 0.00 0.00 -0.97
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.05 0.09 0.09 0.00 0.04 0.00 0.00 0.00 0.03
Fixed Asset Turnover		 0.00 6.13 12.48 12.51 0.00 5.34 0.00 0.00 0.00 4.22
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 441 600 526 555 438 501 566 568 566 518
Invested Capital Turnover		 0.00 0.25 1.10 1.03 0.00 0.22 0.00 0.00 0.00 0.18
Increase / (Decrease) in Invested Capital		 441 0.00 526 555 -2.89 -100 40 13 128 17
Enterprise Value (EV)		 0.00 502 0.00 0.00 0.00 247 0.00 0.00 0.00 296
Market Capitalization		 0.00 229 0.00 0.00 0.00 58 0.00 0.00 0.00 283
Book Value per Share		 $13.35 $13.13 $13.02 $12.21 $9.53 $9.69 $9.42 $14.16 $4.57 $4.46
Tangible Book Value per Share		 $11.54 $11.37 $11.28 $10.48 $9.24 $9.41 $9.16 $13.96 $4.52 $4.41
Total Capital		 441 600 526 555 438 501 566 568 566 518
Total Debt		 190 352 279 324 255 315 385 243 230 190
Total Long-Term Debt		 190 352 279 324 255 315 385 243 230 190
Net Debt		 81 273 51 190 14 189 250 107 -59 13
Capital Expenditures (CapEx)		 0.00 -0.08 0.54 0.11 0.00 0.24 0.05 0.00 0.00 0.13
Net Nonoperating Expense (NNE)		 0.00 0.52 0.00 1.31 9.13 0.52 0.58 3.00 0.00 0.11
Net Nonoperating Obligations (NNO)		 190 352 279 324 255 315 385 243 230 190
Total Depreciation and Amortization (D&A)		 0.38 1.08 0.97 0.96 0.31 0.86 0.86 0.28 0.27 0.73
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00 ($2.18) $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 18.95M 18.95M 0.00 0.00 19.19M 19.20M 22.98M 73.50M 73.52M 87.79M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 ($2.18) $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 18.95M 18.95M 0.00 0.00 19.19M 19.20M 22.98M 73.50M 73.52M 87.79M
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
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.95M 18.95M 0.00 0.00 19.19M 19.20M 22.98M 73.50M 73.52M 87.79M
Normalized Net Operating Profit after Tax (NOPAT)		 2.74 -3.76 3.97 -7.31 -13 -5.24 -2.31 -8.44 0.95 -1.89
Normalized NOPAT Margin		 7.47% -11.07% 12.22% -21.73% -45.48% -20.38% -8.20% -41.37% 4.33% -8.66%
Pre Tax Income Margin		 9.65% -15.82% 15.83% -31.04% -155.58% -29.11% -11.71% -59.09% 7.07% -12.37%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.79 -0.65 0.33 -0.56 -2.27 -0.35 -0.15 -0.59 0.08 -0.14
NOPAT to Interest Expense		 0.61 -0.45 0.25 -0.39 -1.59 -0.24 -0.10 -0.41 0.05 -0.10
EBIT Less CapEx to Interest Expense		 0.00 -0.64 0.29 -0.57 0.00 -0.36 -0.15 0.00 0.00 -0.15
NOPAT Less CapEx to Interest Expense		 0.00 -0.44 0.22 -0.40 0.00 -0.26 -0.11 0.00 0.00 -0.11
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 52.51% 77.69% -103.42% 0.00% -8.82% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 52.51% 77.69% -103.42% 0.00% -8.82% 0.00% 0.00% 0.00% 0.00%

Frequently Asked Questions About Blue Ridge Bankshares' Financials

When does Blue Ridge Bankshares's financial year end?

According to the most recent income statement we have on file, Blue Ridge Bankshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Blue Ridge Bankshares' net income changed over the last 3 years?

Blue Ridge Bankshares' net income appears to be on a downward trend, with a most recent value of -$15.39 million in 2024, falling from $52.48 million in 2021. The previous period was -$51.77 million in 2023.

How has Blue Ridge Bankshares revenue changed over the last 3 years?

Over the last 3 years, Blue Ridge Bankshares' total revenue changed from $179.47 million in 2021 to $92.23 million in 2024, a change of -48.6%.

How much debt does Blue Ridge Bankshares have?

Blue Ridge Bankshares' total liabilities were at $2.41 billion at the end of 2024, a 17.8% decrease from 2023, and a 0.9% increase since 2021.

How much cash does Blue Ridge Bankshares have?

In the past 3 years, Blue Ridge Bankshares' cash and equivalents has ranged from $77.27 million in 2022 to $173.53 million in 2024, and is currently $173.53 million as of their latest financial filing in 2024.

How has Blue Ridge Bankshares' book value per share changed over the last 3 years?

Over the last 3 years, Blue Ridge Bankshares' book value per share changed from 22.31 in 2021 to 4.46 in 2024, a change of -80.0%.

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This page (NASDAQ:BRBS) was last updated on 4/15/2025 by MarketBeat.com Staff
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