BRBS (Blue Ridge Bankshares) Moat Score: 3/10 (As of Jul. 20, 2026)

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BRBS Blue Ridge Bankshares Inc BRBS
31 GF Score
Price $3.50
GF Value $0.97
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Blue Ridge Bankshares Moat Score?

Blue Ridge Bankshares BRBS +1.01% 31 Moat Score is 3 as of Jul. 20, 2026. GuruFocus rates BRBS with a GF Score™ of 31/100 and a GF Value™ of $0.97 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,609 Banks companies, Blue Ridge Bankshares ranks better than 74.64% on this metric.

Blue Ridge Bankshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Blue Ridge Bankshares has No Moat: Blue Ridge Bankshares Inc lacks significant market leadership or unique competitive advantages. The company operates in a highly competitive banking sector with low switching costs and minimal differentiation. It does not possess strong brand strength, intellectual property, or regulatory barriers that would provide a durable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Blue Ridge Bankshares might have No Moat - Very weak/transient advantages.

Blue Ridge Bankshares  (AMEX:BRBS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Blue Ridge Bankshares Moat Score Related Terms

BRBS vs MSBC, MFGI, COSO: Moat Score Comparison

For the Banks - Regional subindustry, Blue Ridge Bankshares's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Blue Ridge Bankshares Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Blue Ridge Bankshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Blue Ridge Bankshares's Moat Score falls into.


BRBS
31GF Score
Blue Ridge Bankshares Inc BRBS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Blue Ridge Bankshares (BRBS) has a Moat Score of 3 as of Jul. 20, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Blue Ridge Bankshares ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is Blue Ridge Bankshares' Moat Score too high?
Blue Ridge Bankshares' current Moat Score is 3. Based on the distribution chart, Blue Ridge Bankshares ranks #408 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, Blue Ridge Bankshares has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Blue Ridge Bankshares' Moat Score compare to MSBC and MFGI?
According to the Banks industry distribution chart, Blue Ridge Bankshares ranks #408 out of 1609 companies for Moat Score. This puts Blue Ridge Bankshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Blue Ridge Bankshares's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Blue Ridge Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Blue Ridge Bankshares (BRBS) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.97, compared to a current price of $3.50 — trading 260.3% above its estimated fair value. The current Moat Score is 3. Blue Ridge Bankshares' overall GF Score™ is 31/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Blue Ridge Bankshares (BRBS), the current Moat Score is 3 as of Jul. 20, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Blue Ridge Bankshares (BRBS) Overvalued in 2026?

Based on GuruFocus' analysis, Blue Ridge Bankshares stock appears to be overvalued. The current stock price of $3.50 is trading 260.3% above its estimated GF Value™ of $0.97. GuruFocus considers Blue Ridge Bankshares to be Significantly Overvalued.

Key valuation signals for BRBS:

  • Moat Score: 3
  • GF Value™: $0.97 vs. price of $3.50 (260.3% above fair value)
  • GF Score™: 31/100 with 2 warning signs

No single metric tells the full story. See the BRBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Blue Ridge Bankshares Business Description

Address 1801 Bayberry Court, Suite 101, Richmond, VA, USA, 23226
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.
31GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.50
Price
$0.97
GF Value