Blue Ridge Bankshares, Inc.

AI-generated fair value estimate for this company.

Method: Bank excess-return / residual-income (justified price-to-tangible-book-value) model. Tangible book value $273.23M ($3.086/share on 88.56M shares). Normalized long-run ROE assumption 9% versus current depressed trailing ROE of about 3.4%; cost of equity 10%; terminal growth 3%. Justified P/TBV = (ROE-g)/(COE-g) = (0.09-0.03)/(0.10-0.03) = 0.857x. Value = 0.857 x $273.23M tangible book value = $234.2M equity value divided by 88.56M shares = $2.65/share.

Reasoning: BRBS is a bank holding company where tangible book value and sustainable ROE relative to cost of equity drive value, not unlevered free cash flow, so a residual-income/P-TBV framework is the standard bank-specific method, applied as the company recovers from 2024 regulatory/BaaS-partnership remediation issues.