BRBS Blue Ridge Bankshares, Inc.
XASE 4.05 DelayedStock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
BRBS
$4.05
—
Key stats
$4.05
- 52-Week Range
- $3.23 – $4.68
- YTD
- -5.59%
- IV Rank (30D)
- 53.05
- Straddle Price
- $1.35
- P/C Vol Ratio
- 0.10
- Market Cap
- $0.4B
- Open
- $4.07
- Day Range
- $3.99 – $4.07
- Volume
- 252,219
- Prev Close
- $4.03
Fair Value
MODEL: SHORT
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.88% |
| Beta vs SPY | 0.69 |
| Cost of Equity (CAPM) | 8.31% (VRP-adj) |
| WACC | 8.23% |
| Volatility Risk Premium | +15.3pp (IV − HV30) |
| Effective Tax Rate | 24.1% |
| Rev. Growth (YoY, DCF input) | -10.0% |
| DCF Horizon | 12 years explicit + fade |
| Free Cash Flow (TTM) | $0.0B |
| Return on Equity (TTM) | 3.4% |
| Book / Price | 68.9% — banking bias active (P/B is primary) |
| Bank Quality Adj | ×0.50 (target ROE vs peer median) |
| Gross Margin (TTM) | 61.8% |
| FCF Margin (TTM) | 15.7% |
| Debt / Equity | 0.05 |
| Quality Score | 4/6 — high quality (12y DCF) |
| Market-Implied Growth | -3.7% (reverse-DCF on current price) |
| SMA 50 | $3.96 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $4.01 |
| Bollinger Width / SMA20 | 4.2% (drives anchor stability) |
| Net Debt | $-0.1B |
| Market Cap | $0B |
Peers used for multiples: BANC, BFH, BKU, ENVA, FFBC, PFS, RNST, WSBC
60-Day Conviction
47%
20-Day Fair Value
≈ by Dec 14, 2026
$4.00
α -1.3%
rank 12%
conviction
80%
40-Day Fair Value
≈ by Jan 12, 2027
$3.99
α -1.4%
rank 12%
conviction
49%
60-Day Fair Value
≈ by Feb 10, 2027
$3.98
α -1.7%
rank 12%
conviction
47%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $3.11 | 26% | |
| DDM (Gordon) | $2.95 | 0% | |
| Peer P/E | $0.67 | 8% | median 11.2× · 7 peers |
| Peer EV/EBITDA | n/a | 0% | median 11.8× · 7 peers |
| Peer P/B | $2.87 | 12% | median 1.0× · 8 peers |
| Peer P/S | $1.43 | 4% | median 2.0× · 8 peers |
| Market Anchor (SMA50) | $3.96 | 51% | stability 100% (BB-width) |
| Options Expected (B-L 30d) | n/a | 0% |
As of 2026-11-13 · updated
Related
About
- Industry (SIC)
- STATE COMMERCIAL BANKS (6022) · industry map
- Exchange
- XASE
- Market Cap
- $0.4B
- Employees
- 302
- List Date
- 1999-04-08
- CIK
- 0000842717
- Last Earnings
- Oct 26 before open · −1.5% vs ±33.2% expected
- Next Earnings
- ~Jan 28, 2027 (estimated)
- Headquarters
- Richmond, VA
- Homepage
- https://www.blueridgebankshares.com
Blue Ridge Bankshares Inc is a United States-based company engaged in offering commercial and consumer banking and financial services through its wholly-owned bank subsidiary and its non-bank financial services affiliates. The bank offers services such as checking accounts, savings accounts, money market accounts, cash management accounts, commercial and industrial loans, residential mortgages, commercial mortgages, home equity loans, consumer installment loans, investment accounts, insurance, and others. It generates the majority of its revenue from commercial banking.
Summary
—
composite
—
No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | 5.49% | 2.24% | 3.35% | -19.61% | 2.12% | -0.93% | -1.22% |
| Feb | 2.62% | -11.96% | -3.47% | -10.58% | 9.55% | -5.36% | -3.20% |
| Mar | 7.55% | -3.56% | -16.46% | 9.35% | -9.94% | 3.70% | -1.56% |
| Apr | 61.39% | -3.45% | -4.92% | -12.59% | 7.19% | -18.33% | 4.88% |
| May | 10.39% | 3.82% | -2.80% | 15.08% | -0.29% | -3.51% | 3.78% |
| Jun | 1.15% | 1.59% | 3.39% | -12.12% | 3.46% | 8.28% | 0.96% |
| Jul | -4.46% | -2.35% | -4.75% | -2.46% | 2.51% | -2.09% | -2.27% |
| Aug | 3.62% | -2.13% | -0.75% | 4.89% | 17.60% | 8.33% | 5.26% |
| Sep | -0.85% | -12.65% | -43.99% | 0.72% | 4.44% | -1.28% | -8.94% |
| Oct | 2.74% | 1.32% | -1.56% | 1.82% | 4.92% | 1.55% | 1.80% |
| Nov | -5.32% | 1.01% | 29.19% | 27.44% | -6.28% | 1.00%* | 7.84% |
| Dec | 0.39% | -3.85% | 13.48% | -9.30% | -3.61% | -- | -0.58% |
| Total | 101.11% | -27.38% | -39.15% | -15.73% | 32.95% | -10.90% | 6.82% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $4.01
SMA 50: $3.96
SMA 200: $3.78
Current: $4.05
EMA 12: $4.02
EMA 26: $3.99
MACD: 0.0290 | Signal: 0.0011
BULLISH
ADX (14): 16.35
RANGE
+DI: 22.89
−DI: 14.39
Momentum Oscillators
RSI (14): 55.92
NEUTRAL
Stoch %K: 52.17
Stoch %D: 52.66
Williams %R: -43.48
Volume & Volatility
BB Upper: $4.10
BB Lower: $3.92
NEUTRAL
OBV: 20,132,717
Vol SMA 20: 578,278
Vol ROC: -55.31%
ATR: $0.09
True Range: $0.08
HV 20: 21.7%
HV 30: 19.6%
HV 60: 17.9%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-11-15T00:00:00 – 2026-11-13T00:00:00
AI Analysis
Written before BRBS’s Oct 26 earnings report, so it doesn’t reflect the results.
LLM Stock Analysis Report: BRBS
Executive Summary
BULLISH (Confidence Level: 7/10)
Key drivers:
- Positive news sentiment from executive transition and special cash dividend announcements
- Technical signals indicating a potential trend reversal, with the RSI in neutral territory and MACD signaling a bearish momentum
Primary risks:
- Bearish MACD signal and histogram indicating continued downtrend risk
- High IV rank and volatility suggesting increased price fluctuations
Investment thesis: BRBS is poised for a potential rebound as technical signals align with positive news sentiment, but caution remains due to the bearish MACD signal.
Recent news sentiment impact: The positive sentiment from recent news headlines has had a moderate impact on the stock's price movement, contributing to the short-term uptrend.
Technical Analysis
Trend Direction: Short-term: Uptrend (1-4 weeks) Medium-term: Trendless (1-3 months) Long-term: Downtrend (3-12 months)
Support/Resistance Levels:
- SMA 20: $3.36
- Middle Bollinger Band: $3.36
Momentum Signals: RSI interpretation: Neutral (36.20) MACD signal: Bearish (signal line below the histogram) Bollinger Bands position: Mean reversion
Volume Analysis: Volume trends: Decreasing volume suggests decreasing institutional interest Institutional interest signals: Low to moderate interest
News & Sentiment Analysis
Recent Headlines Summary:
- Positive news headlines on executive transition and special cash dividend announcements (Sentiment: POSITIVE)
- Neutral/positive sentiment from settlement and notice announcements (Sentiment: NEUTRAL/Negative)
Sentiment Assessment: The overall sentiment is positive, with a focus on the recent executive transition and special cash dividend.
Catalyst Identification:
- Upcoming earnings release (no specific date available)
- Potential catalysts: Earnings beats, product launches, or regulatory changes
Market Narrative: The news headlines support the short-term uptrend, but the bearish MACD signal suggests continued downtrend risk.
Risk & Volatility Assessment
Risk Interpretation: Beta: 0.54 (low volatility)
Volatility Regime: Current vs historical volatility levels: Higher than average
Options Market Signals:
- IV rank: 25.0% (Medium)
- Put/Call volume ratio: 0.10 (Bullish sentiment)
Downside Protection: Support levels: SMA 20, middle Bollinger Band Risk management considerations: Consider stop-loss levels and position sizing considerations based on the bearish MACD signal.
Market Context & Positioning
Sector Performance:
- Relative strength vs sector/market: Neutral
Institutional Activity:
- Volume patterns suggesting low to moderate institutional interest
Correlation Analysis:
- How stock moves relative to market (R-squared interpretation): 0.19
Relative Valuation: Position within trading range: Near the middle Bollinger Band
Key Levels & Action Items
Critical Price Levels: Support/resistance levels to monitor:
- SMA 20: $3.36
- Middle Bollinger Band: $3.36
Breakout/Breakdown Levels: Technical levels that could trigger significant moves:
- Upper Bollinger Band: $3.55
- Lower Bollinger Band: $3.16
Time-Sensitive Catalysts: Earnings release (no specific date available)
Risk Management: Stop-loss levels and position sizing considerations based on the bearish MACD signal.
Note: This analysis is objective, presenting both bullish and bearish cases. The confidence level is moderate due to the mixed technical signals and recent news sentiment.
Generated
News
All BRBS news →
Earnings History
14 of 14 under expected move
Avg Expected Move
26.54%
Avg Actual Move
2.94%
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2023-07-31 | Pre-Market | 12.03% | 8.67% | 0.72x | Within |
| 2023-10-31 | Pre-Market | 29.59% | 6.80% | 0.23x | Within |
| 2024-01-31 | Pre-Market | 22.03% | 15.25% | 0.69x | Within |
| 2024-04-30 | Pre-Market | 13.20% | 0.00% | 0.00x | Within |
| 2024-07-25 | Pre-Market | 15.29% | 0.36% | 0.02x | Within |
| 2024-10-29 | After-Close | 28.72% | 2.70% | 0.09x | Within |
| 2025-01-30 | Pre-Market | 28.02% | 0.59% | 0.02x | Within |
| 2025-04-24 | Pre-Market | 36.57% | 2.39% | 0.07x | Within |
| 2025-07-23 | Pre-Market | 37.34% | 0.00% | 0.00x | Within |
| 2025-10-22 | After-Close | 25.35% | 0.46% | 0.02x | Within |
| 2026-01-29 | Pre-Market | 21.61% | 1.87% | 0.09x | Within |
| 2026-04-23 | Pre-Market | 25.57% | 0.00% | 0.00x | Within |
| 2026-07-29 | After-Close | 43.10% | 0.57% | 0.01x | Within |
| 2026-10-26 | Pre-Market | 33.17% | 1.47% | 0.04x | Within |
Earnings calendar: this week’s reports with expected vs actual moves →
BRBS Options Activity & IV Rank
BRBS IV rank history, 52-week IV rank and IV percentile →
Volatility Metrics
Current IV: 92.8%
7-DTE IV: 92.8%
Expected Move: $1.35
7-DTE Move: $1.35
Days to Exp: 35 (2026-12-18)
Options Flow · All expiries
Call Volume: 21
Put Volume: 2
P/C Volume: 0.095
BULLISH
Call OI: 89
Put OI: 8
P/C OI: 0.09
Total OI: 97
ATM Options Pricing
ATM Call: $0.38
ATM Put: $0.97
Call %: 9.3%
Put %: 24.1%
Chain Summary
Chain Volume: 23
Chain OI: 97
Last Updated: 11/13/2026
Spread Scanner
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Scanning bull put, bear call, iron condor and calendar spreads…
Dealer Positioning
HIGH γ vs HISTORY
Estimated net dealer gamma is at the 99th percentile of this name's own daily history, near the high end of its range. This describes current positioning; it is not a forecast or a trading signal.
Gamma percentile
99%
vs own history
GEX tilt
+0.86
OI-weighted, today
Vanna tilt
+0.91
δ-sensitivity to IV
Charm tilt
-0.76
δ-decay vs time
Vanna tilt +0.91: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.76: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.
? What is this?
· 4 ATM contracts, 1k total OI
Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.
Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.
Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.
This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Put vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Call vs ATM
IV(call wing) − IV(ATM), in vol pointsThe same measure on the upside: how the OTM call is priced against the at-the-money strike.
- Negative (typical) — calls trade below ATM for most stocks and indices, so the sign alone says little.
- Percentile vs own history: high = upside calls unusually rich for this name (squeezes, takeover talk, commodity supply scares); low = calls cheaper than usual.
Reading them together
Put or call vs ATM tells you how expensive that tail is. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d put
—
—
pts
EXTREME
as of Nov 13 · No data
30 DTE / 10d put
—
—
pts
EXTREME
as of Nov 13 · No data
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Loading the implied volatility surface…
Volatility Smile
Loading the implied volatility smile…
IV Rank (7 DTE)20.3LowNov 13
IV Rank (30 DTE)53.0MediumNov 13
Straddle Price (30 DTE)$1.35Nov 13
Beta Analysis
Risk Metrics
Beta: 0.2191
Alpha: -3.55%
Correlation: 0.1011
R-Squared: 1.0%
Stock Volatility: 29.5%
Market Volatility: 13.6%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own BRBS
2 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Renaissance Technologies Hedge fund Jim Simons | $1.6M | #2071 of 3138 | -13.7% | 13F | |
| Citadel Hedge fund Ken Griffin | $1.1M | #3583 of 6285 | +620.8% | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
BRBS Institutional Ownership (13F)
Filings for 2026-06-30 · 31 already for 2026-09-30
? 13F Guide
Diluted shares outstanding: 98,844,179 (as of 2026-06-30)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
1 filers$49.42K notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Citadel Advisors LLC Custodian | $49.42K | 100.00% | 2026-06-30 |
| # | Filer | Notional Value | % of Total | Period |
|---|
BRBS Insider Trading (Form 4)
Latest: 2026-07-07Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-07-07 | Randolph N Reynolds Jr | Director | Award (A) | +6,602 | $3.59 | $23.7K | EDGAR |
| 2026-07-07 | Vance H Spilman | Director | Award (A) | +14,206 | $3.59 | $51.0K | EDGAR |
| 2026-07-07 | Julien G Patterson | Director | Award (A) | +10,460 | $3.59 | $37.6K | EDGAR |
| 2026-07-07 | Judy Carol Gavant | EVP & Chief Financial Officer | Disp (D) | −7,474 | — | EDGAR | |
| 2026-07-07 | Otis Jones | Director | Award (A) | +3,816 | $3.59 | $13.7K | EDGAR |
| 2026-07-07 | Hunter H. Bost | Director | Award (A) | +9,694 | $3.59 | $34.8K | EDGAR |
| 2026-07-07 | Heather Cozart | Director | Award (A) | +10,306 | $3.59 | $37.0K | EDGAR |
| 2026-04-03 | G William Beale | President & CEO | Tax (F) | −22,649 | $4.04 | -$91.6K | EDGAR |
| 2026-03-24 | Harry W Golliday | Interim CEO and President | Award (A) | +80,000 | — | EDGAR | |
| 2026-03-24 | Grace Vallacchi | Chief Risk Officer | Mixed Disp −186,666 · Grant +120,000 · Tax −23,308 |
−89,974 | $4.33 | -$100.9K | EDGAR |
| 2026-03-24 | M Dean Brown | Chief Ops & Technology Officer | Mixed Disp −200,000 · Grant +200,000 |
— | — | EDGAR | |
| 2026-03-24 | Judy Carol Gavant | EVP & Chief Financial Officer | Mixed Disp −233,333 · Grant +160,000 |
−73,333 | — | EDGAR | |
| 2025-09-10 | Heather Cozart | Director | Award (A) | +9,544 | $4.17 | $39.8K | EDGAR |
| 2025-09-10 | Randolph N Reynolds Jr | Director | Award (A) | +5,863 | $4.17 | $24.4K | EDGAR |
| 2025-09-10 | Otis Jones | Director | Award (A) | +3,434 | $4.17 | $14.3K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
BRBS Insider Holdings
16 insiders · @ $4.05
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | G William Beale | President & CEO | 1,569,409 | $6.36M | $86.1K | 10 | 2026-04-03 |
| 2 | Judy Carol Gavant | EVP & Chief Financial Officer | 574,750 | $2.33M | $13.1K | 12 | 2026-07-07 |
| 3 | M Dean Brown | Chief Ops & Technology Officer | 429,902 | $1.74M | $0 | 1 | 2026-03-24 |
| 4 | Trevor Montano | Director | 401,654 | $1.63M | $0 | 4 | 2025-02-21 |
| 5 | Julien G Patterson | Director | 359,723 | $1.46M | $98.8K | 13 | 2026-07-07 |
| 6 | Harry W Golliday | Interim CEO and President | 290,039 | $1.17M | $0 | 1 | 2026-03-24 |
| 7 | Hunter H. Bost | Director | 206,261 | $835.4K | $58.8K | 13 | 2026-07-07 |
| 8 | Grace Vallacchi | Chief Risk Officer | 190,026 | $769.6K | $0 | 2 | 2026-03-24 |
| 9 | Vance H Spilman | Director | 168,527 | $682.5K | $54.1K | 11 | 2026-07-07 |
| 10 | Carolyn J. Woodruff | Director | 141,565 | $573.3K | $116.0K | 22 | 2025-03-10 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
BRBS Board & Officers
As of SEC filings through Jul 7, 2026Directors 9
- Hunter H. Bost · since Dec 18, 2019
- William W. Stokes · since Dec 18, 2019
- Julien G Patterson · since Jan 31, 2021
- Randolph N Reynolds Jr · since Jan 31, 2021
- Vance H Spilman · since Jan 31, 2021
- Heather Cozart · since Jun 14, 2023
- Otis Jones · since Jun 14, 2023
- Ciaran McMullan · since May 14, 2024
- Tony Scavuzzo · since Jun 26, 2024
Officers 4
- Harry W Golliday · Interim CEO and President · since Mar 6, 2026
- Judy Carol Gavant · EVP & Chief Financial Officer · since Jan 31, 2021
- Brett Raynor · Chief Accounting Officer · since Apr 1, 2022
- Grace Vallacchi · Chief Risk Officer · since Oct 10, 2024
Changes in the last 10 years (59)
| May 28, 2026 | The company announced the departure of M Dean Brown as Chief Ops & Technology Officer in an SEC filing |
| Apr 3, 2026 | G William Beale reported in an SEC filing no longer being a director |
| Apr 3, 2026 | G William Beale reported in an SEC filing no longer being President & CEO |
| Mar 18, 2026 | M Dean Brown became Chief Ops & Technology Officer |
| Mar 6, 2026 | Harry W Golliday became Interim CEO and President |
| Oct 10, 2024 | Stanley A. Roberts became General Counsel |
| Oct 10, 2024 | Grace Vallacchi became Chief Risk Officer |
| Jun 28, 2024 | Kenneth R Lehman became a 10% owner |
| Jun 26, 2024 | Tony Scavuzzo became a director |
| Jun 18, 2024 | The company announced the departure of Robert S. Janney from the board in an SEC filing |
| Jun 18, 2024 | The company announced the departure of Richard A Farmar III from the board in an SEC filing |
| Jun 18, 2024 | The company announced the departure of Mensel D Dean from the board in an SEC filing |
| Jun 18, 2024 | The company announced the departure of Larry Dees from the board in an SEC filing |
| Jun 18, 2024 | The company announced the departure of Andrew C. Holzwarth from the board in an SEC filing |
| May 22, 2024 | Trevor Montano became a director |
| May 14, 2024 | Ciaran McMullan became a director |
| Mar 8, 2024 | G William Beale listed as President & CEO (previously CEO of Bank Subsidiary) in SEC filings |
| Mar 8, 2024 | G William Beale first listed as a director in an SEC filing |
| Jul 12, 2023 | The company announced the departure of Brian K. Plum from the board in an SEC filing |
| Jul 12, 2023 | The company announced the departure of Brian K. Plum as CEO & President in an SEC filing |
| Jun 14, 2023 | Otis Jones became a director |
| Jun 14, 2023 | Heather Cozart became a director |
| May 8, 2023 | G William Beale became CEO of Bank Subsidiary |
| Feb 17, 2023 | The company announced the departure of C Frank Scott III from the board in an SEC filing |
| Apr 20, 2022 | LaNell DeLoach became CCO of Subsidiary |
| Apr 1, 2022 | Brett Raynor became Chief Accounting Officer |
| Jan 31, 2021 | Vance H Spilman became a director |
| Jan 31, 2021 | Richard T Spurzem is no longer a 10% owner, per their own SEC filing |
| Jan 31, 2021 | Richard A Farmar III became a director |
| Jan 31, 2021 | Randolph N Reynolds Jr became a director |
| Jan 31, 2021 | Randal R Greene became a director |
| Jan 31, 2021 | Randal R Greene became President and Chief Operating Officer |
| Jan 31, 2021 | Julien G Patterson became a director |
| Jan 31, 2021 | Judy Carol Gavant became EVP & Chief Financial Officer |
| Jan 31, 2021 | Elizabeth Hinton Crowther became a director |
| Jan 31, 2021 | C Rodes Boyd Jr became Executive Vice President |
| Jan 31, 2021 | C Frank Scott III became a director |
| Dec 18, 2019 | William W. Stokes became a director |
| Dec 18, 2019 | Robert S. Janney became a director |
| Dec 18, 2019 | Robert B. Burger became a director |
| Dec 18, 2019 | Richard T Spurzem became a 10% owner |
| Dec 18, 2019 | Mensel D Dean became a director |
| Dec 18, 2019 | Mark W. Sisk Sr. became a director |
| Dec 18, 2019 | Malcolm R. Sullivan Jr. became a director |
| Dec 18, 2019 | Larry Dees became a director |
| Dec 18, 2019 | Kenneth E. Flynt became a director |
| Dec 18, 2019 | John H.H. Graves became a director |
| Dec 18, 2019 | James E. Gander II became a director |
| Dec 18, 2019 | Hunter H. Bost became a director |
| Dec 18, 2019 | Gary Ross Shook became a director |
| Dec 18, 2019 | Gary Ross Shook became Chief Operating Officer |
| Dec 18, 2019 | Elise Peters Carey became a director |
| Dec 18, 2019 | Donald R. Vaughan became a director |
| Dec 18, 2019 | Carolyn J. Woodruff became a director |
| Dec 18, 2019 | Brian K. Plum became a director |
| Dec 18, 2019 | Brian K. Plum became CEO & President |
| Dec 18, 2019 | Arthur Pierce Stone became a director |
| Dec 18, 2019 | Andrew C. Holzwarth became a director |
| Dec 18, 2019 | Amanda G. Story became CFO and Corporate Secretary |
Not reported recently (19)
- Carolyn J. Woodruff · Last reported as a director in an SEC filing dated Mar 10, 2025
- Stanley A. Roberts · Last reported as General Counsel in an SEC filing dated Mar 3, 2025
- Trevor Montano · Last reported as a director in an SEC filing dated Feb 21, 2025
- Kenneth R Lehman · Last reported as a 10% owner in an SEC filing dated Jul 8, 2024
- Elizabeth Hinton Crowther · Last reported as a director in an SEC filing dated Jul 2, 2024
- LaNell DeLoach · Last reported as CCO of Subsidiary in an SEC filing dated Jul 25, 2023
- C Rodes Boyd Jr · Last reported as Executive Vice President in an SEC filing dated Mar 7, 2022
- Amanda G. Story · Last reported as CFO and Corporate Secretary in an SEC filing dated Jul 12, 2021
- Randal R Greene · Last reported as a director in an SEC filing dated Feb 2, 2021
- Robert B. Burger · Last reported as a director in an SEC filing dated Jun 12, 2020
- Mark W. Sisk Sr. · Last reported as a director in an SEC filing dated Jun 5, 2020
- Malcolm R. Sullivan Jr. · Last reported as a director in an SEC filing dated Jun 3, 2020
- John H.H. Graves · Last reported as a director in an SEC filing dated Jun 3, 2020
- Kenneth E. Flynt · Last reported as a director in an SEC filing dated Jun 3, 2020
- Elise Peters Carey · Last reported as a director in an SEC filing dated Jun 3, 2020
- Arthur Pierce Stone · Last reported as a director in an SEC filing dated Apr 29, 2020
- Donald R. Vaughan · Last reported as a director in an SEC filing dated Apr 10, 2020
- James E. Gander II · Last reported as a director in an SEC filing dated Apr 10, 2020
- Gary Ross Shook · Last reported as a director in an SEC filing dated Dec 18, 2019
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
Recent SEC Filings
Latest: 2026-11-05
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
| Filing Date | Accession | Link |
|---|
ETF Holders
28 ETFs hold BRBS
25 shown · $27.61M total exposure · 0.01% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $7.1M | — | 2026-09-30 |
| 2 | IWM iShares Russell 2000 ETF | iShares (BlackRock) | 0.01% | $7.0M | $76.8B | 2026-11-12 |
| 3 | VXF Vanguard Extended Market ETF | Vanguard | 0.00% | $2.9M | — | 2026-09-30 |
| 4 | IWN iShares Russell 2000 Value ETF | iShares (BlackRock) | 0.02% | $2.5M | $13.9B | 2026-11-12 |
| 5 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.01% | $2.0M | — | 2026-11-12 |
| 6 | DFSV Dimensional US Small Cap Value ETF | Dimensional | 0.01% | $1.8M | — | 2026-11-12 |
| 7 | VTWO Vanguard Russell 2000 ETF | Vanguard | 0.01% | $1.5M | — | 2026-09-30 |
| 8 | IWC iShares Micro-Cap ETF | iShares (BlackRock) | 0.07% | $809,180 | $1.2B | 2026-11-12 |
| 9 | AVSC Avantis U.S. Small Cap Equity ETF | Avantis | 0.01% | $456,430 | $3.3B | 2026-11-12 |
| 10 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.01% | $375,467 | — | 2026-11-12 |
| 11 | VTWV Vanguard Russell 2000 Value ETF | Vanguard | 0.02% | $233,418 | — | 2026-09-30 |
| 12 | BSVO EA Bridgeway Omni Small-Cap Value ETF | Nport | 0.01% | $227,897 | — | 2026-06-30 |
| 13 | DXUV Dimensional US Vector Equity ETF | Dimensional | 0.00% | $207,098 | — | 2026-11-12 |
| 14 | RSSL Global X Russell 2000 ETF | Global X | 0.01% | $127,676 | — | 2026-11-13 |
| 15 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.00% | $120,840 | — | 2026-11-12 |
| 16 | DFAU Dimensional US Core Equity Market ETF | Dimensional | 0.00% | $101,258 | $12.9B | 2026-11-12 |
| 17 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.00% | $36,226 | — | 2026-11-12 |
| 18 | EES WisdomTree U.S. SmallCap Fund | Nport | 0.00% | $34,488 | — | 2026-06-30 |
| 19 | OMFS Invesco Russell 2000 Dynamic Multifactor ETF | Invesco | 0.01% | $20,444 | — | 2026-11-12 |
| 20 | VTHR Vanguard Russell 3000 ETF | Vanguard | 0.00% | $19,951 | — | 2026-09-30 |
| 21 | DFSU Dimensional US Sustainability Core 1 ETF | Dimensional | 0.00% | $16,813 | $2.4B | 2026-11-12 |
| 22 | ITWO ProShares Russell 2000 High Income ETF | ProShares | 0.01% | $14,876 | — | 2026-11-13 |
| 23 | DFUS Dimensional US Equity Market ETF | Dimensional | 0.00% | $12,896 | $21.6B | 2026-11-12 |
| 24 | AVTM Avantis Total Equity Markets ETF | Avantis | 0.00% | $12,400 | $765.8M | 2026-11-12 |
| 25 | URTY ProShares UltraPro Russell2000 | ProShares | 0.00% | $10,481 | — | 2026-11-13 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
Trailing P/E
40.50
TTM Diluted EPS
$0.10
TTM Revenue
$136.56M
TTM Net Income
$9.39M
TTM Op. Cash Flow
$23.32M
Quarterly figures (12 quarters)
| Quarter | Period End | Revenue | Net Income | Diluted EPS | Op. Cash Flow |
|---|---|---|---|---|---|
| Q2 '26 | 2026-06-30 | $30.62M | $-1.29M | $-0.01 | $1.73M |
| Q1 '26 | 2026-03-31 | $31.74M | $836.00K | $0.01 | $15.04M |
| Q4 '25 | 2025-12-31 | $34.16M | $4.24M | $0.04 | $128.00K |
| Q3 '25 | 2025-09-30 | $40.05M | $5.60M | $0.06 | $6.43M |
| Q2 '25 | 2025-06-30 | $37.98M | $1.30M | $0.01 | $10.66M |
| Q1 '25 | 2025-03-31 | $38.42M | $-434.00K | $-0.01 | $-3.59M |
| Q4 '24 | 2024-12-31 | $40.75M | $-2.00M | $0.03 | $-18.11M |
| Q3 '24 | 2024-09-30 | $41.92M | $946.00K | $0.01 | $24.13M |
| Q2 '24 | 2024-06-30 | $40.90M | $-11.59M | $-0.47 | $-4.82M |
| Q1 '24 | 2024-03-31 | $50.32M | $-2.89M | $-0.15 | $-7.52M |
| Q4 '23 | 2023-12-31 | $47.10M | $-5.76M | $-0.30 | $20.47M |
| Q3 '23 | 2023-09-30 | $49.90M | $-41.37M | $-2.18 | $936.00K |
Q2 2026 • period ending 2026-06-30 • filed 2026-08-10
Valuation
Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.
Price Multiples
- P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
- P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
- P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
- EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
- EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
- ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
- ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
- Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
- FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
- Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
- Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
- Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
- Multiples expanding while earnings are flat = sentiment-driven rally.
- Multiples compressing while earnings grow = value coming from fundamentals.
P/E
40.50
P/B
1.45
P/S
2.93
EV/EBITDA
28.56
EV/Sales
2.59
ROE
3.4%
ROA
0.4%
Div Yield
20.96%
FCF Yield
5.83%
Debt/Equity
0.05
Current Ratio
—
Market Cap
$400.32M
as of 2026-11-13
BRBS vs Peers
Related companies, largest first| Company | Market cap | P/E | Revenue growth | YTD | IV rank |
|---|---|---|---|---|---|
| ENVA Enova International, Inc. | $4.1B | 11.7 | +23.2% | +4.9% | 22 |
| BFH Bread Financial Holdings, Inc. | $3.7B | 7.8 | +5.2% | +31.0% | 34 |
| WSBC WesBanco Inc | $3.7B | 11.2 | +31.3% | +15.8% | 40 |
| RNST Renasant Corporation | $3.6B | 12.0 | +28.4% | +13.7% | 78 |
| FFBC First Financial Bancorp | $3.4B | 11.5 | +11.6% | +30.1% | 25 |
| BKU Bankunited, Inc. | $3.1B | 12.0 | −5.2% | −2.1% | 11 |
| PFS Provident Financial Services, Inc. | $3.0B | 9.5 | +3.7% | +15.3% | 5 |
| BANC Banc of California, Inc. | $2.8B | — | −12.9% | −8.3% | 33 |
| BRBS Blue Ridge Bankshares, Inc. | $361M | 40.5 | −14.2% | −5.6% | 53 |
| Peer median | $3.5B | 11.5 | +8.4% | +14.5% | 29 |
P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.
Short Interest & Float
Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.
Metric definitions
- Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
- SI % of Float — short interest / free float. The key crowding metric.
- Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
- Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
- Free Float — shares available for public trading (total shares minus insider / restricted).
- Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
- SI % of Float < 5% — typical, no particular signal.
- 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
- 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
- >30% — extreme; borrow is likely expensive and squeeze risk is material.
- Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
- Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
- A sudden drop in SI after a rally may indicate a squeeze in progress.
Short interest is reported mid-month and end-of-month; short volume is daily.
Short Interest
1.47M
SI % of Float
2.89%
Days to Cover
1.71
Short Vol Ratio
56.3%
Free Float
50.90M
Float %
56.8%
Short interest 2026-10-30 • Short volume 2026-11-13 • Float 2026-09-22