Stock fact sheet · data as of
Blue Ridge Bankshares, Inc. (BRBS): fair value, margin of safety and Wheel Score
Ticker symbol BRBS · Financial Services · Banks - Regional · United States · Value Income
Is BRBS undervalued?
Blue Ridge Bankshares, Inc. (BRBS) closed at 4.07 on 5 Nov 2026, 82% above the GLS average fair value of 2.23. 7 of the 8 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
There is a wide gap between GLS Growth (0.0236) 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.
Ranked against every other company we cover, BRBS is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 39, growth score 12, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
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 | 0.7393 | -82% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 0.1298 | -97% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.0322 | -99% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.0236 | -99% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 3.96 | -3% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 0.3855 | -91% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 12.51 | +207% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 0.0894 | -98% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -18.39 | -552% | 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 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. 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 3.2/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, 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 4.4%.
The dividend yield is high at 20.89% (payout ratio 10626%) - 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 | 6 / 9 | ROIC | 2.1% |
|---|---|---|---|
| GLS Moat | 3.2 / 10 | ROE | 3.3% |
| Debt / equity | 0.55 | ROA | 0.4% |
| Free-cash-flow yield | 4.4% | Payout ratio | 10626% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 30: Weak
With a Wheel Score of 30 Blue Ridge Bankshares, Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (30 open interest, 11 a day); and filter 3, below fair value - trades 82% above our fair value; and filter 8, big enough - market cap $365M (under $1.0B); and filter 9, not a penny stock - price 4.07 (under $5); Value (weak) is its weakest part.
Implied volatility is 46% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 30 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 423k shares a day on a market cap of $365M, with a beta of 0.55 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (30 open interest, 11 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 82% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $365M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 4.07 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 82% above fair value | |
| Premium | Strong | implied volatility 46% | |
| Moat | Weak | moat 3.2/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Weak | Red Flags score 65/100 | |
| Option trading | Weak | 11 contracts a day, 30 open interest | |
| Stability | Fair | beta 0.55, $365M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for BRBS in the nightly calendar.
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 |
|---|---|---|---|---|---|
| CFFI C&F Financial Corporation | 112.23 | 102.19 | -10% | 21No options | $365M |
| USCB USCB Financial Holdings, Inc. | 19.94 | 31.98 | +38% | 34No options | $368M |
| WSBF Waterstone Financial, Inc. | 20.50 | 31.04 | +34% | 45Weak | $369M |
| FCNCN First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | 22.40 | 2,724.89 | +99% | 29No options | $358M |
| FRST Primis Financial Corp | 15.07 | 57.28 | +74% | 41Weak | $374M |
| TSBK Timberland Bancorp, Inc. | 48.16 | 46.79 | -3% | 36Weak | $374M |
| FSBW FS Bancorp, Inc. | 44.47 | 76.16 | +42% | 36No options | $350M |
| AVBH Avidbank Holdings, Inc. | 34.92 | 48.67 | +28% | 30No options | $384M |
| MFGI Merchants Financial Group, Inc. | 47.00 | 38.33 | -23% | 20No options | $384M |
| MSBC Mission Bancorp | 125.00 | 136.80 | +9% | 26No options | $385M |
| BFCC BankFirst Capital Corporation | 64.97 | 105.15 | +38% | 35No options | $344M |
| COSO CoastalSouth Bancshares, Inc. | 28.75 | 48.39 | +41% | 33No options | $344M |
⚖ Compare BRBS with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about BRBS
Is BRBS undervalued right now?
No: at 4.07 the stock trades 82% above the GLS average fair value of 2.23 (data as of 5 Nov 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of BRBS and what does it mean?
BRBS scores 30 out of 100 (Weak) - it fails Wheel Trade Filters 1, 3, 8, 9. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for BRBS?
2.23 per share as of 5 Nov 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?
No upcoming earnings date is recorded for BRBS in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does BRBS have listed options, and how liquid are they?
Yes. The nightly snapshot found 12 listed contracts with 30 open interest across all expiries and implied volatility of 46% 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.