Blue Ridge Financials

BRBS Stock  USD 3.46  0.04  1.14%   
Based on the measurements of operating efficiency obtained from Blue Ridge's historical financial statements, Blue Ridge Bankshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Blue Ridge's Good Will is comparatively stable compared to the past year. Common Stock Total Equity is likely to gain to about 236.6 M in 2024, whereas Cash is likely to drop slightly above 60.5 M in 2024. Key indicators impacting Blue Ridge's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.20.1761
Moderately Up
Very volatile
Debt Equity Ratio1.331.0208
Significantly Up
Pretty Stable
Current Ratio0.220.2
Significantly Up
Slightly volatile
Investors should never underestimate Blue Ridge's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Blue Ridge's cash flow, debt, and profitability to make informed and accurate decisions about investing in Blue Ridge Bankshares.

Net Income

(49.18 Million)

  
Understanding current and past Blue Ridge Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Blue Ridge's financial statements are interrelated, with each one affecting the others. For example, an increase in Blue Ridge's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Blue Ridge's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Blue Ridge Bankshares. Check Blue Ridge's Beneish M Score to see the likelihood of Blue Ridge's management manipulating its earnings.

Blue Ridge Stock Summary

Blue Ridge competes with LINKBANCORP, Colony Bankcorp, Bankwell Financial, ECB Bancorp, and Affinity Bancshares. 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. The company was founded in 1893 and is headquartered in Charlottesville, Virginia. Blue Ridge operates under BanksRegional classification in the United States and is traded on AMEX Exchange. It employs 513 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNYSE MKT Exchange
ISINUS0958251052
CUSIP095825105
LocationVirginia; U.S.A
Business Address1807 Seminole Trail,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.blueridgebankshares.com
Phone540 743 6521
CurrencyUSD - US Dollar

Blue Ridge Key Financial Ratios

Blue Ridge Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets961.3M1.5B2.7B3.1B3.1B3.3B
Other Current Liab259.8M333.1M1.6B2.0B1.6B1.6B
Other Liab4.9M24.2M16.1M19.5M22.4M23.6M
Net Tangible Assets68.5M84.7M242.3M226.0M259.9M272.9M
Retained Earnings25.6M40.7M86.0M108.3M33.2M42.5M
Accounts Payable722.0M945.1M2.3B2.5B2.9B3.0B
Cash60.0M117.9M128.3M77.3M110.5M60.5M
Other Assets628.9M1.1B1.7B2.2B(13.1M)(12.4M)
Long Term Debt134.6M421.2M50.1M351.6M249.9M155.7M
Good Will2.7M21.2M19.9M26.8M30.8M32.4M
Other Current Assets60.5M133.7M184.2M91.3M140.6M119.9M
Total Liab134.6M421.2M57.7M2.9B2.9B3.1B
Total Current Assets168.6M243.0M513.4M444.0M140.6M182.3M
Short Term Debt126.2M116.3M1.6M2.1M1.9M1.8M
Intangible Assets3.7M2.9M24.2M35.6M32.5M34.1M
Common Stock66.5M66.8M194.3M196.0M197.6M207.5M
Long Term Debt Total9.8M24.5M40.0M39.9M45.9M48.2M

Blue Ridge Key Income Statement Accounts

The reason investors look at the income statement is to determine what Blue Ridge's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense9.5M9.9M11.1M17.1M76.0M79.8M
Total Revenue40.8M100.9M180.4M158.5M182.3M191.4M
Gross Profit38.2M88.3M180.4M158.5M182.3M191.4M
Operating Income6.2M22.5M68.2M55.2M(51.8M)(49.2M)
Ebit7.0M22.5M66.2M56.5M(58.8M)(55.9M)
Income Before Tax6.2M22.5M68.2M35.8M(58.8M)(55.9M)
Net Income4.8M17.7M52.5M27.9M(51.8M)(49.2M)
Income Tax Expense1.4M4.8M15.7M8.2M(7.1M)(6.7M)
Minority Interest213K224K225.1K(3K)(1K)0.0
Tax Provision973K4.8M15.7M8.2M(3.4M)(3.2M)
Interest Income30.9M54.5M103.5M127.5M168.1M176.5M
Net Interest Income42.7M44.5M92.5M110.4M105.2M78.8M
Ebitda7.2M24.2M70.0M56.7M(57.5M)(54.7M)

Blue Ridge Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash45M57.9M12.7M(53.3M)4.6M7.2M
Free Cash Flow(16.8M)(111.4M)58.1M93.5M(4.6M)(4.3M)
Depreciation994K1.7M4.0M3.5M4.0M4.2M
Other Non Cash Items(19.9M)(81.1M)55.6M59.7M48.7M51.2M
Dividends Paid2.5M2.4M7.2M9.2M4.6M2.8M
Capital Expenditures1.7M3.0M1.3M455K961K1.5M
Net Income4.6M17.7M52.5M27.9M(51.8M)(49.2M)
End Period Cash Flow60.0M117.9M130.6M77.3M7.0M6.7M
Investments(100.2M)(340.9M)(245.5M)(4.4M)(279.8M)(265.8M)
Net Borrowings51.7M286.9M(129.2M)301.7M347.0M364.3M
Change To Netincome(19.7M)(113.5M)36.0M120.7M138.8M145.7M

Blue Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Blue Ridge's current stock value. Our valuation model uses many indicators to compare Blue Ridge value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Blue Ridge competition to find correlations between indicators driving Blue Ridge's intrinsic value. More Info.
Blue Ridge Bankshares is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At this time, Blue Ridge's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Blue Ridge by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Blue Ridge Bankshares Systematic Risk

Blue Ridge's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Blue Ridge volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Blue Ridge Bankshares correlated with the market. If Beta is less than 0 Blue Ridge generally moves in the opposite direction as compared to the market. If Blue Ridge Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Blue Ridge Bankshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Blue Ridge is generally in the same direction as the market. If Beta > 1 Blue Ridge moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Blue Ridge Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Blue Ridge's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Blue Ridge growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.004073

At this time, Blue Ridge's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Blue Ridge November 29, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Blue Ridge help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Blue Ridge Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Blue Ridge Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing Blue Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Blue Ridge's daily price indicators and compare them against related drivers.

Additional Tools for Blue Stock Analysis

When running Blue Ridge's price analysis, check to measure Blue Ridge's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Blue Ridge is operating at the current time. Most of Blue Ridge's value examination focuses on studying past and present price action to predict the probability of Blue Ridge's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Blue Ridge's price. Additionally, you may evaluate how the addition of Blue Ridge to your portfolios can decrease your overall portfolio volatility.