Reading BRBS? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track BRBS free→Reading BRBS? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track BRBS free→AMEXFinancialsBanks - RegionalSnapshot 2026-06-16
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
Recent financial performance is weak, and management's recent track record has been unsteady, with frequent disruptive corporate changes. Earnings quality is robust, and risk is moderate, while the sector backdrop is a headwind. Peer multiples imply a price about 21% above where it trades (it looks cheap on this basis); the read is fair, but weakening. Key factors to watch include any potential guidance cuts from BRBS and the performance of sector bellwethers like HDB, IBN, and PNC. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 5 valuation methods, at three horizons. Current price $3.29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $3.29 BRBS trades at 26× p/e — 2.1× the 12× p/e peer median. The market is re-rating it beyond its own range; our $4.14 fair value is low-confidence here. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 21% below a flat-multiple fair value, below our forecast of about -3%. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 56% of the time over the next year (vs 59% for the rest of the cohort, n=3730).
Over the trailing year it converted 2.69x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$71.
How much price usually moves either way.
On a bad day, this stock has moved -$242.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,746.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The earnings report shows how the company is doing now and in the future.
Confirms one read:Earnings per share (EPS) is better than what analysts expected. This shows strong performance.
Confirms the other:EPS is lower than what analysts expected. This suggests weaker performance.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for BRBS yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers . Chief Operations and Technology Officer Separation The board of directors of Blue Ridge Bankshares, Inc. (the “ Company ”) and M. Dean Brown agreed that Mr. Brown will step down as Chief Operations and Technology Officer of the Company and its wholly owned subsidiary Blue Ridge Bank, National Association (the “ Bank ”). In connection with his reti…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
BRBS Blue Ridge Bankshares, Inc. | Typical Show detailsSector percentile: 40 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
7 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
Not investment advice. As of 2026-06-16.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Management aims for mid-single digit growth in the balance sheet for the fiscal year.
Management aims to maintain positive momentum as the year progresses.
Why it matters: FOMC decisions can change interest rates. This affects how much money banks make.
Confirms one read:FOMC raises interest rates. This could help banks make more money.
Confirms the other:FOMC lowers interest rates, which may compress bank margins.
Why it matters: If revenue growth slows, it may signal a broader slowdown in the financial sector.
Confirms:Revenue growth falls below 12% year over year, indicating a slowdown.
Disproves:Revenue growth remains above 12% year over year, showing continued strength.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers . Blue Ridge Bankshares, Inc. (the “Company”) previously announced the appointment of Harry Golliday as Interim Chief Executive Officer and Interim President of the Company and Interim Chief Executive Officer of the Company’s wholly owned bank subsidiary, Blue Ridge Bank, National Association (the “Bank”). On April 15, 2026, the Company approved cer…
above. Exhibit No. Description 99.1 Press release dated April 23, 2026 . 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. BLUE RIDGE BANKSHARES, INC. Date: April 23, 2026 By: /s/ Judy C. Gavant Judy C. Gavant Executive Vice President and Chief Financial Officer
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers Chief Executive Officer Separation The board of directors of Blue Ridge Bankshares, Inc. (the “ Company ”) and G. William (“Billy”) Beale agreed that Mr. Beale will step down as President and Chief Executive Officer of the Company and Chief Executive Officer of Blue Ridge Bank, National Association (the “ Bank ”), effective March 6, 2026. In connect…
Other Events. Amendment to Warrants Effective March 28, 2026, the Board of Directors of Blue Ridge Bankshares, Inc. (the “Company”) and the holders of warrants to purchase shares of the Company’s common stock (the “Warrants”) representing a majority of shares of common stock underlying such Warrants outstanding approved an amendment and restatement of the Warrants. The amendment provides that, in connection with certain cash distributions to holders of the Company’s common stock, the per shar…