Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through: Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans; and residential mortgage loans and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management services. It operates in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.

Blue Ridge Bankshares, Inc.

Monday, July 21, 2025
The Zacks Research Daily presents the best research output of our analyst team. Today's Research Daily features new research reports on 16 major stocks, including Philip Morris International Inc. (PM), McDonald's Corp. (MCD) and Texas Instruments Inc. (TXN), as well as a micro-cap stock Blue Ridge Bankshares, Inc. (BRBS). The Zacks microcap research is unique as our research content on these small and under-the-radar companies is the only research of its type in the country.
These research reports have been hand-picked from the roughly 70 reports published by our analyst team today.
You can see all of today’s research reports here >>>
Ahead of Wall Street
The daily 'Ahead of Wall Street' article is a must-read for all investors who would like to be ready for that day's trading action. The article comes out before the market opens, attempting to make sense of that morning's economic releases and how they will affect that day's market action. You can read this article for free on our home page and can actually sign up there to get an email notification as this article comes out each morning.
You can read today's AWS here >>> Big Q2 Earnings Week Awaits: Pre-Market Futures Up Slightly
Today's Featured Research Reports
Shares of Philip Morris have outperformed the Zacks Tobacco industry over the past six months (+47.9% vs. +41.8%). The company’s strong pricing power and an expanding smoke-free product portfolio have been driving the company. For the first quarter of 2025, Philip Morris' net revenues increased 5.8% year over year, driven by higher combustible tobacco pricing and increased smoke-free product volumes.
Philip Morris has been making significant progress with its smoke-free transition, with products like IQOS and ZYN contributing to strong performance. The company has implemented significant cost-saving measures and strategic initiatives to enhance its margins and achieve its long-term financial goals.
For 2025, adjusted earnings per share (EPS) is likely to be $7.26-$7.39, suggesting a 10.5-12.5% year-over-year increase. However, foreign currency fluctuations are concerning for the company.
(You can read the full research report on Philip Morris here >>>)
McDonald's shares have outperformed the Zacks Retail - Restaurants industry over the past six months (+6.3% vs. +3.2%). The company is benefiting from menu innovations, value offerings and global expansion strategies. It plans to open approximately 2,200 restaurants globally in 2025. The company’s Accelerating the Arches strategy continues to fuel customer interest and strengthen its position in key global markets.
Additionally, McDonald’s is working to improve its delivery services, making the ordering experience more convenient and efficient for customers. Despite these positives, the company is facing some challenges. A drop in comparable guest traffic is a concern, and inflation remains a hurdle.
McDonald’s expects continued cost pressures this year, particularly in areas such as labor, food, packaging, and commodities, which could impact profitability.
(You can read the full research report on McDonald's here >>>)
Shares of Texas Instruments have gained +12.6% over the past six months against the Zacks Semiconductor - General industry’s gain of +16.7%. The company is benefiting from solid data center demand, which is boosting its prospects in the enterprise systems market. Sustained focus on expanding its product portfolio across the Analog and Embedded Processing segments helps in capturing market share.
Texas Instruments’ deepening focus on manufacturing and advanced technology infusion is another positive. Our model estimates indicate revenues witness a CAGR of 8.69% through 2025-2027. Its robust cash flows and aggressive shareholder return policies instill confidence in its long-term prospects.
However, cyclical downturn and pressure from underutilized manufacturing capacity are likely to continue hurting the Embedded Processing division’s performance in the near term. Rising manufacturing costs and the growing tech war between the United States and China are other concerns.
(You can read the full research report on Texas Instruments here >>>)
Blue Ridge Bankshare's shares have outperformed the Zacks Banks - Northeast industry over the past six months (+19.3% vs. +1.3%). This microcap company with a market capitalization of $358.33 million is fortifying its financial foundation via strengthened capital ratios, with tangible common equity rising to 12.5% and risk-based capital to 20.83%, exceeding regulatory thresholds. Operational streamlining, including workforce reduction, has lowered expenses, improving operating leverage.
BRBS is exiting non-core businesses, refocusing on lower-risk community banking. While core deposits and net interest margin are improving, recurring losses and ongoing Office of the Comptroller of the Currency (OCC) oversight temper the recovery narrative. A smaller loan book and declining fee income limit near-term upside.
Liquidity coverage is robust, but uninsured deposit levels remain high. The valuation suggests investors are cautiously optimistic, reflecting improved fundamentals but ongoing profitability and regulatory challenges.
(You can read the full research report on Blue Ridge Bankshare here >>>)
Other noteworthy reports we are featuring today include GE Aerospace (GE), Air TransUnion (TRU) and Hims & Hers Health, Inc. (HIMS).
Mark Vickery
Senior Editor
Note: Sheraz Mian heads the Zacks Equity Research department and is a well-regarded expert of aggregate earnings. He is frequently quoted in the print and electronic media and publishes the weekly Earnings Trends and Earnings Preview reports. If you want an email notification each time Sheraz publishes a new article, please click here>>>
Today's Must Read
Featured Reports
Commercial Engines & Services Unit Aids GE Aerospace (GE)
Per the Zacks analyst, Commercial Engines & Services business is driven by solid demand for LEAP, GEnx & GE9X engines and services, supported by growth in fleet renewal and expansion activities.
Monevo Buyout Benefits TransUnion (TRU) Amid Competition
Per the Zacks analyst, the acquisition of Monevo expands Tranunion's credit prequalification and ability to deliver higher personalized credit offers to consumers. Rising competition is an overhang.
Hims & Hers (HIMS) Rides on Personalized Product Offerings
The Zacks analyst is upbeat about Hims & Hers' commitment to personalization to meet individual health needs via tailored solutions despite its operation in a competitive digital health space.
Globe Life (GL) Gains on Solid American Income Amid High Costs
Per the Zacks analyst, Globe Life is set to grow on solid American Income distribution channel, which remains the largest contributor of premium and underwriting margin.
Range Resources (RRC) Set for Long-Term Marcellus Gains
Per the Zacks analyst, Range Resources' vast Marcellus inventory and infrastructure optimization position it for sustained natural gas growth, cost efficiency and long-term value creation.
China Market Strength Aids Autoliv (ALV) Amid Tariff Woes
Per the Zacks analyst, new product launches with Chinese OEMs are driving Autoliv's sales growth in China, but tariff-related costs are weighing on profits.
Novavax's (NVAX) Collaboration Deal With Sanofi Encouraging
Per the Zacks Analyst, the Sanofi partnership is a big win for Novavax. It provides the company with funds to support its ongoing pipeline programs and support for marketing its COVID-19 vaccine.
New Upgrades
Loans, FineMark Buyout, Rates Aid Commerce Bancshares (CBSH)
Per the Zacks analyst, relatively high rates, decent loan demand, FineMark buyout and balance sheet repositioning efforts alongside solid liquidity will likely support Commerce Bancshares' financials.
Investments, Appalachian Assets Aid National Fuel Gas (NFG)
Per the Zacks analyst, National Fuel Gas' systematic investment to further strengthen its midstream operations and strong presence in the Appalachian region will boost its performance.
CommScope (COMM) Rides on Healthy Demand, Portfolio Strength
Per the Zacks analyst, healthy demand in the Connectivity and Cable Solutions segment and a comprehensive, differentiated portfolio will likely drive CommScope's topline.
New Downgrades
Per the Zacks analyst, PG&E's poor financial ratios signal weak solven
Per the Zacks analyst, PG&E's poor financial ratios signal weak solvency, while drought and wildfire risks in its service area lead to frequent damages and outages.
Siff Competition, Macro Uncertainty Hurt AST SpaceMobile (ASTS)
Per the Zacks analyst, intensifying competition in the satellite communication market, combined with macroeconomic headwinds, will likely impact AST SpaceMobile's prospects.
Margin Pressure Weighs on Albertsons' (ACI) Profitability
Per the Zacks analyst, Albertsons' gross margin continues to face pressure from mix shifts and investments in pricing and promotions. This metric declined 85 bps year-over-year to 27.1% in Q1.
One Big Gain, Every Trading Day
To help you take full advantage of this market, you’re invited to access every stock recommendation in all our private portfolios - for just $1.
Zacks private portfolio services that closed 256 double and triple-digit winners in 2024 alone. That’s about one big gain every day the market was open. Of course, not all our picks are winners, but members have seen recent gains as high as +627% +1,340%, and +1,708%.
Imagine how much you could profit with a steady stream of real-time picks from all our services that cover a number of strategies to suit a variety of investing and trading styles.
See Stocks Now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Top Analyst Reports for Philip Morris, McDonald's & Texas Instruments

Feb 5 (Reuters) - Blue Ridge Bankshares BRBS.A has become the first U.S. lender to quit the United Nations-backed Net-Zero Banking Alliance (NZBA), citing a need to focus on its financial health after it got swept up in the U.S. regional bank crisis.
The Virginia community bank joined NZBA, a global coalition of banks that have pledged to bring down carbon emissions from their lending and investment portfolios to zero on a net basis by 2050, in December 2021.
Since then, Blue Ridge's shares have lost 85% of their value following a spike in non-performing loans, its restating of earnings reports, and a U.S. bank regulator cracking down on its partnerships with financial technology startups because it found it to be "in troubled condition".
A Blue Ridge spokesperson told Reuters the bank decided against renewing its NZBA membership following a strategic review that focused on it overcoming its financial woes.
"Based on our growth and need to focus on deposits and community banking, we had to focus on our core business. We want to be cognizant on carbon emissions, and we did not feel we had the staffing resources to allocate to this," the spokesperson said.
While NZBA disclosed Blue Ridge's withdrawal last month, the reasons behind the exit had not been previously reported.
Probes into banks' membership of NZBA and other climate groups by Republican politicians opposed to limiting the financing of fossil fuels, including Virginia Attorney General Jason Miyares, did not factor into Blue Ridge's decision, the spokesperson said, adding Blue Ridge may rejoin NBZA in the future.
The Glasgow Financial Alliance for Net Zero (GFANZ), the organization under which NZBA sits and which is co-chaired by Mark Carney, a former central banker, and Mike Bloomberg, the founder of the eponymous financial information provider, did not respond to a request for comment.
Only nine of NZBA's 142 members hail from the United States, with the vast majority based in Europe. The eight other U.S. members are Amalgamated Bank AMAL.O, Areti Bank, Bank of America BAC.N, Citi C.N, JPMorgan Chase JPM.N, Morgan Stanley MS.N, Goldman Sachs GS.N and Wells Fargo WFC.N.
Signatories to the NZBA agree to set emission-reduction targets within 18 months of joining and publish their progress.
An NZBA report in December 2013 showed it had tripled the number of members since launch in April 2021, and that over two-thirds of members had set targets consistent with capping global warming to 1.5° Celsius by mid-century.
Last year, Germany's GLS Bank quit NBZA because some members of the coalition continued to finance new fossil-fuel infrastructure projects in Africa. Two other banks, Triodos from the Netherlands and Britain's Ecology Building Society, threatened to quit last year over what they argued were lax emission reduction targets, but did not follow through.
Other coalitions under GFANZ have had defections too. Most have been at the Net-Zero Insurance Alliance, where last year more than half its members quit citing fears they could be sued for colluding. This prompted the group to ease its membership rules.
Vanguard, the world's second biggest fund manager, left the Net Zero Asset Managers initiative in December 2022 citing the need to speak "independently" on issues of importance to its investors.
CONSENT ORDER
Many U.S. regional banks are on edge after New York Community Bancorp NYCB.Nposted a surprise loss last week because of its exposure to parts of the office property and multifamily housing sectors, reviving investor fears about a potential repeat of last year's crisis that led to the demise of lenders such as Silicon Valley Bank and First Republic.
Last month, the Office of the Comptroller of the Currency, a U.S. bank regulator, issued a so-called consent order instructing Blue Ridge to improve its capital buffers and restrict its partnership with financial technology startups, citing lax financial controls.
Blue Ridge has said it will reduce its number of financial technology partners, to which it provides infrastructure so they can offer banking to consumers, from 50 to a "limited number". In December, it also raised $150 million by selling stock in a private placement to improve its financial health.
Blue Ridge is the seventh-largest bank in Virginia by deposit market share and has 27 bank branches. Its subsidiary Monarch Mortgage has 16 offices, from Maryland to South Carolina.
Blue Ridge posted a net loss of $51.8 million in 2023, compared to net income of $17 million in 2022.
(Reporting by Simon Jessop in London Editing by Greg Roumeliotis and Christina Fincher)
((simon.jessop@thomsonreuters.com; +44 (0) 207 542 5052; Reuters Messaging: Reuters Messaging: simon.jessop.thomsonreuters.com@reuters.net))
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Indicator	TTM Median
P/E	0.00 13.37
Price/Sales	0.44 1.92
P/B	0.70 1.10
P/FCF	2.68 10.25

Indicator	TTM Median
Net Worth	0.28 0.99
Quick Ratio	0.00 1.40
Current Ratio	1.06 0.96

Indicator	TTM Median
Net Profit Margin	-11.11 15.86
Operating Margin	-11.11 21.72
Gross Margin	53.33 68.17

Indicator	TTM Median
EPS	0.01 0.60
EPS Forecast	0.00 0.61
Revenue	42.00M 85.50M
Gross Profit	22.00M —
EBITDA	0.00 —

Blue Ridge Bankshares, Inc.

Fundamental BRBS

Valuation

Debts

Efficiency

Other ratios

Revenue