Financial Snapshot

Revenue
$122.4M
TTM
Gross Margin
Net Earnings
-$19.14M
TTM
Current Assets
Current Liabilities
$8.537M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$336.3M
Q3 2024
Cash
Q3 2024
P/E
-13.21
Nov 29, 2024 EST
Free Cash Flow
$31.56M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017
Revenue $169.0M $127.5M $103.5M $111.3M $49.68M $32.56M
YoY Change 32.57% 23.11% -6.95% 123.98% 52.59%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017
Revenue $169.0M $127.5M $103.5M $111.3M $49.68M $32.56M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.600M $1.900M $2.000M $951.0K $539.0K $415.0K $810.0K
YoY Change -15.79% -5.0% 110.3% 76.44% 29.88% -48.77%
% of Gross Profit
Operating Expenses $88.79M $44.11M $26.84M
YoY Change 101.3% 64.33%
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017
Interest Expense $75.95M $17.09M $11.07M $9.950M $9.520M $5.151M
YoY Change 344.57% 54.41% 11.21% 4.52% 84.82%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017
Pretax Income -$58.84M $35.82M $68.18M $22.50M $5.577M $5.720M $5.400M
YoY Change -264.27% -47.46% 203.05% 303.39% -2.5% 5.93%
Income Tax -$7.071M $8.244M $15.70M $4.800M $973.0K $1.147M $2.100M
% Of Pretax Income 23.01% 23.02% 21.34% 17.45% 20.05% 38.89%
Net Earnings -$51.77M $27.91M $52.48M $17.70M $4.580M $4.560M $3.400M
YoY Change -285.48% -46.81% 196.55% 286.38% 0.44% 34.12%
Net Earnings / Revenue -30.64% 21.9% 50.68% 15.9% 9.22% 14.0%
Basic Earnings Per Share -$2.73 $1.48 $2.94 $3.11 $1.10 $1.64
Diluted Earnings Per Share -$2.73 $1.48 $2.933M $3.11 $1.10 $1.64 $829.3K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $31.09M $30.06M $33.00M $20.20M $20.30M $3.300M $2.300M
YoY Change 3.43% -8.92% 63.37% -0.49% 515.15% 43.48%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $21.56M $9.182M $500.0K
YoY Change 134.76%
Total Long-Term Assets
YoY Change
Total Assets $3.118B $3.141B $2.665B $1.498B $960.8M $539.6M $424.1M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $9.619M $7.860M $7.700M $5.500M $6.700M
YoY Change 22.38% 2.08% 40.0% -17.91%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $9.619M $7.860M $7.700M $5.500M $6.700M
YoY Change 22.38% 2.08% 40.0% -17.91%
Long-Term Debt $104.9M $39.97M $57.90M $306.2M $9.800M $9.800M $9.700M
YoY Change 162.33% -30.97% -81.09% 3024.49% 0.0% 1.03%
Other Long-Term Liabilities $41.06M $19.63M $14.60M $18.30M $5.900M $2.100M $2.600M
YoY Change 109.12% 34.48% -20.22% 210.17% 180.95% -19.23%
Total Long-Term Liabilities $145.9M $59.61M $72.50M $324.5M $15.70M $11.90M $12.30M
YoY Change 144.8% -17.79% -77.66% 1966.88% 31.93% -3.25%
Total Liabilities $2.932B $2.882B $2.388B $1.390B $868.7M $500.2M $387.9M
YoY Change 1.73% 20.66% 71.78% 60.04% 73.67% 28.95%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017
Basic Shares Outstanding 18.94M 18.81M 17.84M 8.536M 4.147B 2.779K
Diluted Shares Outstanding 18.94M 18.82M 17.85M 8.536M 4.147B 2.779K
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $252.9 Million

About BLUE RIDGE BANKSHARES, INC.

Blue Ridge Bankshares, Inc. is a bank holding company, which engages in the provision of commercial and consumer banking, and financial services. The company is headquartered in Richmond, Virginia and currently employs 507 full-time employees. The company went IPO on 2001-09-05. The firm's segments include commercial banking, mortgage banking and holding company activities. The Bank serves businesses, professionals, consumers, nonprofits, and municipalities with a variety of financial services, including retail and commercial banking, mortgage banking, government guaranteed lending, and employee benefit plan services. Its banking products include checking accounts, savings accounts, commercial and industrial loans, residential mortgages, commercial mortgages, home equity loans, consumer installment loans, credit cards, online banking, telephone banking, and mobile banking. The Company, through the Financial Group, offers management services for personal and corporate trusts, including estate planning, estate settlement and trust administration, insurance products, and investment and wealth management.

Industry: State Commercial Banks Peers: ACNB CORP BayCom Corp First Western Financial Inc NORTHRIM BANCORP INC PARKE BANCORP, INC. ORRSTOWN FINANCIAL SERVICES INC PNC FINANCIAL SERVICES GROUP, INC. Third Coast Bancshares, Inc.