B

Blue Ridge Bankshares, Inc. — Earnings Quality Grade B

BRBS · Financial Services

Generally healthy

Revenue
$92M
2025
Net Income
$11M
2025
Gross Margin
Free Cash Flow
$12M
01

Screening Summary

10
Passed
2
Watch
0
Failed
M-Score

Management Signals

No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 43 days, change -7 days YoY

A2AR vs Revenue Growth

AR growth -14.0% vs revenue growth -0.6%

A3Revenue vs CFFO

Revenue -0.6%, CFFO 315.9%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 185.5% is >2x revenue growth -0.6%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.27. Profits backed by cash

C2Free Cash Flow

FCF $0.0B, FCF/NI = 1.12

C3Accruals Ratio

Accruals ratio = -0.1%. Low accruals

!
C4Cash vs Debt

Cash $0.1B covers 67% of debt $0.2B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $0.0B = 1% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change -32% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Portfolio monitoring

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Altman Z-Score — Not Applicable

Blue Ridge Bankshares, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25