Income statement, balance sheet and cash flow statement for the last 8 fiscal years, taken from the XBRL data BLUE RIDGE BANKSHARES, INC. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2019
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Revenue
32.6
49.7
111
Selling and marketing
0.73
1.36
1.46
1.16
0.93
1.2
Operating expenses
26.8
44.1
88.8
Interest expense
5.15
9.52
9.95
11.1
17.1
76
Pre-tax income
5.72
5.58
22.7
68.4
22.2
-58.8
-16.5
13.8
Income tax
1.15
0.97
4.84
15.7
5.2
-7.07
-1.12
3.07
Income from continuing operations
17.8
52.6
17
-51.8
-15.4
10.7
Net income to minority interests
0.01
0.02
-0
-0
Net income
4.56
4.58
17.7
52.5
17.3
-51.8
-15.4
10.7
EPS, basic
1.08
0.73
2.05
2.94
0.92
-2.73
-0.31
0.12
EPS, diluted
1.08
0.73
2.05
2.94
0.92
-2.73
-0.31
0.11
Shares, basic (weighted)
0
6,291
8.54
17.8
18.8
18.9
49.1
87.7
Shares, diluted (weighted)
0
6,291
8.54
17.9
18.8
18.9
49.1
97.3
Dividend per share
0.36
0.38
0.43
Balance sheet
FY2019
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Property, plant and equipment
3.34
13.7
14.8
26.6
23.2
22.3
21.4
21.5
Lease right-of-use assets
6.62
5.33
6.32
6.9
8.74
7.96
6.64
Goodwill
2.69
19.9
19.6
26.8
26.8
0
Intangible assets
1.31
3.72
2.58
7.59
6.58
5.38
Total assets
540
961
1,498
2,665
3,130
3,118
2,737
2,433
Total liabilities
500
868
1,390
2,388
2,882
2,932
2,409
2,109
Total debt
9.77
9.8
Paid-in capital
0.25
0.25
0.25
0.25
0.25
0.25
29.7
23.6
Retained earnings
23.3
25.4
40.7
86
97.7
33.2
17.8
-0.66
Treasury stock
-3.4
Other comprehensive income
-0.62
0.23
0.26
-3.63
-45.1
-45.1
-42.5
-31.1
Shareholders' equity
39.4
92.1
108
277
249
Minority interests
0.21
0.22
0.23
0.23
0
Total equity
39.6
92.3
108
277
249
186
328
324
Total liabilities and equity
540
961
1,498
2,665
3,130
3,118
2,737
2,433
Shares outstanding
4.24
8.58
8.58
18.8
19
19.2
85
91.5
Cash flow statement
FY2019
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Net income
4.57
4.6
17.7
52.5
17.3
-51.8
-15.4
10.7
Depreciation and amortization
0.42
0.54
0.95
2.14
1.98
1.7
1.53
1.37
Stock-based compensation
0.13
0.23
0.57
1.3
Deferred income tax
-0.01
-0.09
-1.68
1.92
-0.02
-7.06
-6.19
1.24
Cash from operations
-4.57
-20.6
-108
59.2
93.9
44.1
-6.31
13.6
Capital expenditures
-1.5
-1.13
-3.01
-1.22
-0.46
-0.96
-0.59
-1.68
Acquisitions
-6.97
0
44.1
0
0
Purchases of investments
-11.6
-70.7
-44.2
-265
-68.3
0
-15.4
-36
Sales and maturities of investments
5.27
44.4
11.9
Cash from investing
-102
-94.7
-341
52.5
-628
-23.2
419
242
Stock issued
22.1
0
0.8
0.01
0.03
0
Share buybacks
0
-9.51
Dividends paid
-1.5
-2.47
-2.44
-7.18
-9.18
-4.64
0
-22.6
Cash from financing
111
160
507
-99.1
481
23
-358
-316
Net change in cash
4.71
45
57.9
12.6
-53.3
43.9
54.8
-60
Free cash flow
-6.07
-21.7
-111
58
93.5
43.1
-6.9
11.9
Interest paid
4.99
9.09
10
11.6
16
67.9
83.5
61.1
Income taxes paid
1.35
1.02
2
10.1
2.08
6.66
0
6.58
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $3.85 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
24.1%
Income tax / pre-tax income, when pre-tax income is positive.
Return on assets (ROA)
0.4%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income CAGR, 3y
-14.8%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y
-9.6%
Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS CAGR, 3y
-50.7%
Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y
-44.3%
Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow CAGR, 3y
-47.5%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 3y
-49.6%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
-11.1%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
-8.1%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y
10.2%
Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y
98.0%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
72.9%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y
62.7%
Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Liabilities / assets
88.2%
Total liabilities / total assets.
Efficiency
Metric
Value
How it is calculated
FCF conversion
224.9%
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
9.5%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$0.11
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$0.24
Free cash flow / diluted weighted shares.
Operating cash flow per share
$0.26
Cash from operations / diluted weighted shares.
Valuation
Metric
Value
How it is calculated
Market cap
$345.3M
Share price x shares outstanding.
Enterprise value
$345.3M
Market cap + total debt - cash - short-term investments.
P/E
36.8x
Market cap / net income. Only when net income is positive.
P/FCF
16.4x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
14.8x
Market cap / cash from operations, when positive.
EV/FCF
16.4x
Enterprise value / free cash flow, when both are positive.
FCF yield
6.1%
Free cash flow / market cap.
Earnings yield
2.7%
Net income / market cap (the inverse of P/E).
Was BLUE RIDGE BANKSHARES, INC. profitable in fiscal 2025?
Yes. Net income was $10.7M, a net margin of -.
How much free cash flow did BLUE RIDGE BANKSHARES, INC. generate in fiscal 2025?
Cash from operations of $13.6M minus capital expenditures of $1.7M left free cash flow of $11.9M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.