RED RIVER BANCSHARES INC (RRBI) Stock Fundamental Analysis
NASDAQ:RRBI - Nasdaq - US75686R2022 - Common Stock - Currency: USD
Taking everything into account, RRBI scores 4 out of 10 in our fundamental rating. RRBI was compared to 397 industry peers in the Banks industry. Both the profitability and the financial health of RRBI get a neutral evaluation. Nothing too spectacular is happening here. RRBI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RRBI was profitable.
In the past year RRBI had a positive cash flow from operations.
In the past 5 years RRBI has always been profitable.
In the past 5 years RRBI always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.09%, RRBI is doing good in the industry, outperforming 72.54% of the companies in the same industry.
The Return On Equity of RRBI (10.71%) is better than 74.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.71% | ||
| ROIC | N/A |
ROA(3y)1.13%
ROA(5y)1.1%
ROE(3y)12.02%
ROE(5y)11.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 31.20%, RRBI belongs to the top of the industry, outperforming 84.89% of the companies in the same industry.
In the last couple of years the Profit Margin of RRBI has remained more or less at the same level.
RRBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.2% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.11%
PM growth 5Y0.03%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RRBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
RRBI has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, RRBI has less shares outstanding
RRBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
There is no outstanding debt for RRBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RRBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.43%, which is quite good.
RRBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.23% yearly.
Looking at the last year, RRBI shows a small growth in Revenue. The Revenue has grown by 2.03% in the last year.
The Revenue has been growing slightly by 6.63% on average over the past years.
EPS 1Y (TTM)13.43%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%31.03%
Revenue 1Y (TTM)2.03%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%39.87%
3.2 Future
RRBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.73% yearly.
Based on estimates for the next years, RRBI will show a small growth in Revenue. The Revenue will grow by 7.39% on average per year.
EPS Next Y9.81%
EPS Next 2Y7.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.9%
Revenue Next 2Y7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.48, the valuation of RRBI can be described as very reasonable.
Based on the Price/Earnings ratio, RRBI is valued a bit cheaper than 71.03% of the companies in the same industry.
When comparing the Price/Earnings ratio of RRBI to the average of the S&P500 Index (24.12), we can say RRBI is valued rather cheaply.
A Price/Forward Earnings ratio of 9.68 indicates a reasonable valuation of RRBI.
The rest of the industry has a similar Price/Forward Earnings ratio as RRBI.
RRBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
RRBI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RRBI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.07
PEG (5Y)1.45
EPS Next 2Y7.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RRBI has a yearly dividend return of 0.88%, which is pretty low.
Compared to an average industry Dividend Yield of 3.49, RRBI's dividend is way lower than its industry peers. On top of this 84.38% of the companies listed in the same industry pay a better dividend than RRBI!
With a Dividend Yield of 0.88, RRBI pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.88% |
5.2 History
The dividend of RRBI is nicely growing with an annual growth rate of 14.32%!
RRBI has been paying a dividend for over 5 years, so it has already some track record.
RRBI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)14.32%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
7.25% of the earnings are spent on dividend by RRBI. This is a low number and sustainable payout ratio.
RRBI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP7.25%
EPS Next 2Y7.73%
EPS Next 3YN/A
NASDAQ:RRBI (5/9/2025, 11:45:26 AM)
55.7404
+0.21 (+0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.76%
Inst Owner Change-0.16%
Ins Owners25.98%
Ins Owner Change0.43%
Market Cap377.92M
Analysts86.67
Price Target68.17 (22.3%)
Short Float %0.43%
Short Ratio2.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.88% |
Yearly Dividend0.36
Dividend Growth(5Y)14.32%
DP7.25%
Div Incr Years2
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.69%
Min EPS beat(2)5.07%
Max EPS beat(2)8.32%
EPS beat(4)4
Avg EPS beat(4)6.66%
Min EPS beat(4)3.39%
Max EPS beat(4)9.88%
EPS beat(8)6
Avg EPS beat(8)5.61%
EPS beat(12)10
Avg EPS beat(12)6.2%
EPS beat(16)14
Avg EPS beat(16)7.59%
Revenue beat(2)1
Avg Revenue beat(2)0.02%
Min Revenue beat(2)-1.72%
Max Revenue beat(2)1.75%
Revenue beat(4)1
Avg Revenue beat(4)-3.2%
Min Revenue beat(4)-11.14%
Max Revenue beat(4)1.75%
Revenue beat(8)2
Avg Revenue beat(8)-0.26%
Revenue beat(12)6
Avg Revenue beat(12)7.42%
Revenue beat(16)10
Avg Revenue beat(16)13.98%
PT rev (1m)-6.76%
PT rev (3m)-6.08%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)7.18%
EPS NY rev (1m)-0.48%
EPS NY rev (3m)4.71%
Revenue NQ rev (1m)0.84%
Revenue NQ rev (3m)1.69%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)1.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 9.68 | ||
| P/S | 3.44 | ||
| P/FCF | 11.31 | ||
| P/OCF | 9.87 | ||
| P/B | 1.18 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.32
EY9.54%
EPS(NY)5.76
Fwd EY10.33%
FCF(TTM)4.93
FCFY8.84%
OCF(TTM)5.65
OCFY10.13%
SpS16.18
BVpS47.16
TBVpS46.93
PEG (NY)1.07
PEG (5Y)1.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.2% | ||
| GM | N/A | ||
| FCFM | 30.44% |
ROA(3y)1.13%
ROA(5y)1.1%
ROE(3y)12.02%
ROE(5y)11.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.11%
PM growth 5Y0.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 151.54% | ||
| Cap/Sales | 4.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 97.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.9%
ROIC/WACCN/A
Cap/Depr(3y)217.98%
Cap/Depr(5y)216.01%
Cap/Sales(3y)5.68%
Cap/Sales(5y)5.65%
Profit Quality(3y)99.97%
Profit Quality(5y)99.74%
High Growth Momentum
Growth
EPS 1Y (TTM)13.43%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%31.03%
EPS Next Y9.81%
EPS Next 2Y7.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.03%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%39.87%
Revenue Next Year8.9%
Revenue Next 2Y7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.08%
FCF growth 3Y-17.19%
FCF growth 5Y8.06%
OCF growth 1Y-4.55%
OCF growth 3Y-14.96%
OCF growth 5Y7.68%