ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Blue Ridge Bankshares, Inc. (Virginia) ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net profit has grown by an annual rate of -9.56%
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
With a fall in Interest of NAN%, the company declared Very Negative results in Jun 26
- GROSS NPA (%)(Q) Highest at 1.68%
- NII(Q) Lowest at USD 16.54 MM
- CASH AND EQV(HY) Lowest at USD 208.3 MM
3
With ROA of 0.27%, it has a fair valuation with a 1.12 Price to Book Value
- Over the past year, while the stock has generated a return of -8.99%, its profits have risen by 169.6% ; the PEG ratio of the company is 0.2
4
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 15.36% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.99% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Blue Ridge Bankshares, Inc. (Virginia) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Blue Ridge Bankshares, Inc. (Virginia)
-10.6%
1.01
30.90%
S&P 500
16.06%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.40%
EBIT Growth (5y)
-17.20%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
46.39%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
34
Industry P/E
Price to Book Value
1.12
EV to EBIT
32.39
EV to EBITDA
27.79
EV to Capital Employed
1.13
EV to Sales
2.59
PEG Ratio
0.22
Dividend Yield
NA
ROCE (Latest)
3.48%
ROE (Latest)
3.31%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET PROFIT(9M)
At USD 3.78 MM has Grown at 431.73%
OPERATING CASH FLOW(Y)
Highest at USD 15.13 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 99.52%
-27What is not working for the Company
GROSS NPA (%)
(Q
NII(Q)
Lowest at USD 16.54 MM
CASH AND EQV(HY)
Lowest at USD 208.3 MM
NET SALES(Q)
Lowest at USD 28.85 MM
OPERATING PROFIT(Q)
Lowest at USD -1.5 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -5.22 %
PRE-TAX PROFIT(Q)
Lowest at USD -1.63 MM
NET PROFIT(Q)
Lowest at USD -1.29 MM
EPS(Q)
Lowest at USD -0.01
Here's what is working for Blue Ridge Bankshares, Inc. (Virginia)
Operating Cash Flow
Highest at USD 15.13 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Highest at 99.52%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Blue Ridge Bankshares, Inc. (Virginia)
Pre-Tax Profit
At USD -1.63 MM has Fallen at -141.28%
over average net sales of the previous four periods of USD 3.94 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD -1.29 MM has Fallen at -143.24%
over average net sales of the previous four periods of USD 2.99 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 1.68%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
NII
Lowest at USD 16.54 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Net Sales
Lowest at USD 28.85 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Net Sales
At USD 28.85 MM has Fallen at -12.46%
over average net sales of the previous four periods of USD 32.95 MMMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Operating Profit
Lowest at USD -1.5 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at -5.22 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD -1.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD -1.29 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -0.01
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Cash and Eqv
Lowest at USD 208.3 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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