Stock fact sheet · data as of
Blue Ridge Bankshares, Inc. (BRBS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Yield Income
Is BRBS undervalued?
Blue Ridge Bankshares, Inc. (BRBS) closed at 3.95 on 16 Oct 2026, close to the GLS average fair value of 3.74 (5.6% above fair value). 3 of the 8 models that produced a number sit above the price, 5 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
There is a wide gap between GLS Growth (0.3467) and DDM (12.51). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files BRBS under High Yield Income: a dividend yield above 4%.
Nine valuation models for BRBS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 2.89 | -27% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 1.91 | -52% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.4737 | -88% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.3467 | -91% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 5.77 | +46% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 4.72 | +19% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 12.51 | +217% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 1.32 | -67% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -18.39 | -566% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Blue Ridge Bankshares, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 1.5/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 2.1%, ROE 3.3%, ROA 0.4% - with debt at 0.55 times equity and a free-cash-flow yield of 6.2%.
The dividend yield is high at 21.52% (payout ratio 723%) - a payout above 100% of earnings, which is not covered by profits. A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Commercial Banking 70%, Mortgage Banking 27%, Parents Only 3% (quarter Q3 FY2021).
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 2.1% |
|---|---|---|---|
| GLS Moat | 1.5 / 10 | ROE | 3.3% |
| Debt / equity | 0.55 | ROA | 0.4% |
| Free-cash-flow yield | 6.2% | Payout ratio | 723% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 55: Fair
A Wheel Score of 55 puts Blue Ridge Bankshares, Inc. in the Fair band - below the 70 the Sunday Scan requires. Value 10/25, Health 11/20, Moat 2/15, Premium 18/20 and Stability 13/20; the weakest part is Moat (2/15).
Implied volatility is 69% on the near-the-money contracts 20-60 days out - above the 60% ceiling of the sweet spot. Premiums are large, but the Wheel Score tapers the Premium points (18 of 20) because volatility this high usually comes with a reason. Chain open interest is thin - 384 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 1.4M shares a day on a market cap of $354M, with a beta of 0.57 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 13 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 10 / 25 | -6% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 2 / 15 | moat 1.5/10 | |
| Premium | 18 / 20 | implied volatility 69% | |
| Stability | 13 / 20 | 1.4M shares/day, $354M cap, beta 0.57 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Blue Ridge Bankshares, Inc. reports earnings on 28 Oct 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Blue Ridge Bankshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WSBF Waterstone Financial, Inc. | 19.73 | 34.92 | +43% | 70Good | $355M |
| FSBW FS Bancorp, Inc. | 44.63 | 95.17 | +53% | 39No options | $351M |
| TSBK Timberland Bancorp, Inc. | 45.00 | 67.20 | +33% | 78Good | $350M |
| NWFL Norwood Financial Corp. | 33.46 | 51.08 | +34% | 39No options | $365M |
| RVRF River Financial Corp. | 47.00 | 110.43 | +57% | 39No options | $367M |
| MFGI Merchants Financial Group, Inc. | 45.00 | 37.16 | -21% | 33No options | $368M |
| MSBC Mission Bancorp | 120.00 | 135.36 | +11% | 39No options | $370M |
| SNLC Security National Corporation | 206.25 | 281.54 | +27% | 39No options | $338M |
| BCML BayCom Corp | 30.96 | 33.10 | +6% | 70Good | $338M |
| AVBH Avidbank Holdings, Inc. | 30.78 | 43.50 | +29% | 39No options | $338M |
| FDBC Fidelity D & D Bancorp, Inc. | 57.84 | 66.13 | +13% | 39No options | $336M |
| CFFI C&F Financial Corporation | 102.73 | 124.42 | +17% | 39No options | $334M |
⚖ Compare BRBS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BRBS
Is BRBS undervalued right now?
Not meaningfully: at 3.95 the stock trades within a few percent of the GLS average fair value of 3.74 (5.6% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of BRBS and what does it mean?
BRBS scores 55 out of 100 (Fair). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for BRBS?
3.74 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Blue Ridge Bankshares, Inc. report earnings next?
The next earnings report is due on 28 Oct 2026, 12 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does BRBS have listed options, and how liquid are they?
Yes. The nightly snapshot found 30 listed contracts with 384 open interest across all expiries and implied volatility of 69% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.