RED RIVER BANCSHARES INC (RRBI) Stock Fundamental Analysis
USA - NASDAQ:RRBI - US75686R2022 - Common Stock
66.06 USD
-1.75 (-2.58%)
66.06 USD
0 (0%)
RRBI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 390 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 growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
RRBI had positive earnings in the past year.
In the past year RRBI had a positive cash flow from operations.
In the past 5 years RRBI has always been profitable.
Each year in the past 5 years RRBI had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.22%, RRBI is doing good in the industry, outperforming 79.74% of the companies in the same industry.
The Return On Equity of RRBI (11.51%) is better than 78.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 11.51% | ||
| 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
RRBI has a Profit Margin of 33.00%. This is amongst the best in the industry. RRBI outperforms 87.69% of its industry peers.
RRBI's Profit Margin has been stable in the last couple of years.
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) | 33% | ||
| 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.
The number of shares outstanding for RRBI has been reduced compared to 5 years ago.
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.
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
WACC8.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.95% over the past year.
Measured over the past 5 years, RRBI shows a small growth in Earnings Per Share. The EPS has been growing by 7.23% on average per year.
Looking at the last year, RRBI shows a small growth in Revenue. The Revenue has grown by 2.03% in the last year.
RRBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.63% yearly.
EPS 1Y (TTM)26.95%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%28.35%
Revenue 1Y (TTM)2.03%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%19.72%
3.2 Future
The Earnings Per Share is expected to grow by 15.33% on average over the next years. This is quite good.
The Revenue is expected to grow by 21.78% on average over the next years. This is a very strong growth
EPS Next Y26.57%
EPS Next 2Y15.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.89%
Revenue Next 2Y21.78%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.96, the valuation of RRBI can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as RRBI.
The average S&P500 Price/Earnings ratio is at 26.11. RRBI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.01, which indicates a very decent valuation of RRBI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RRBI is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.55. RRBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 10.01 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RRBI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as RRBI's earnings are expected to grow with 15.33% in the coming years.
PEG (NY)0.41
PEG (5Y)1.51
EPS Next 2Y15.33%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RRBI has a yearly dividend return of 0.91%, which is pretty low.
With a Dividend Yield of 0.91, RRBI pays less dividend than the industry average, which is at 3.51. 81.79% of the companies listed in the same industry pay a better dividend than RRBI!
Compared to an average S&P500 Dividend Yield of 2.37, RRBI's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
5.2 History
On average, the dividend of RRBI grows each year by 14.32%, which is quite nice.
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
RRBI pays out 7.35% of its income as dividend. This is a sustainable payout ratio.
The dividend of RRBI is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP7.35%
EPS Next 2Y15.33%
EPS Next 3YN/A
66.06
-1.75 (-2.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners26.65%
Inst Owner Change-0.01%
Ins Owners28.9%
Ins Owner Change0.39%
Market Cap441.28M
Revenue(TTM)109.73M
Net Income(TTM)38.61M
Analysts86.67
Price Target72.85 (10.28%)
Short Float %0.72%
Short Ratio1.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend0.36
Dividend Growth(5Y)14.32%
DP7.35%
Div Incr Years2
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.42%
Min EPS beat(2)4.5%
Max EPS beat(2)18.33%
EPS beat(4)4
Avg EPS beat(4)9.05%
Min EPS beat(4)4.5%
Max EPS beat(4)18.33%
EPS beat(8)7
Avg EPS beat(8)7.58%
EPS beat(12)10
Avg EPS beat(12)6.42%
EPS beat(16)14
Avg EPS beat(16)7.37%
Revenue beat(2)1
Avg Revenue beat(2)-2.14%
Min Revenue beat(2)-8.44%
Max Revenue beat(2)4.16%
Revenue beat(4)2
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-8.44%
Max Revenue beat(4)4.16%
Revenue beat(8)3
Avg Revenue beat(8)-0.04%
Revenue beat(12)5
Avg Revenue beat(12)2.66%
Revenue beat(16)9
Avg Revenue beat(16)9.32%
PT rev (1m)0%
PT rev (3m)6.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.28%
EPS NY rev (1m)0%
EPS NY rev (3m)5.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 10.01 | ||
| P/S | 3.77 | ||
| P/FCF | 12.33 | ||
| P/OCF | 11.27 | ||
| P/B | 1.32 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.03
EY9.13%
EPS(NY)6.6
Fwd EY9.99%
FCF(TTM)5.36
FCFY8.11%
OCF(TTM)5.86
OCFY8.87%
SpS17.51
BVpS50.2
TBVpS49.97
PEG (NY)0.41
PEG (5Y)1.51
Graham Number82.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 11.51% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33% | ||
| GM | N/A | ||
| FCFM | 30.59% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 97.43% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 92.68% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.75%
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)26.95%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%28.35%
EPS Next Y26.57%
EPS Next 2Y15.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.03%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%19.72%
Revenue Next Year28.89%
Revenue Next 2Y21.78%
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-10.63%
FCF growth 3Y-17.19%
FCF growth 5Y8.06%
OCF growth 1Y-14.1%
OCF growth 3Y-14.96%
OCF growth 5Y7.68%
RED RIVER BANCSHARES INC / RRBI FAQ
What is the ChartMill fundamental rating of RED RIVER BANCSHARES INC (RRBI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to RRBI.
What is the valuation status of RED RIVER BANCSHARES INC (RRBI) stock?
ChartMill assigns a valuation rating of 5 / 10 to RED RIVER BANCSHARES INC (RRBI). This can be considered as Fairly Valued.
What is the profitability of RRBI stock?
RED RIVER BANCSHARES INC (RRBI) has a profitability rating of 4 / 10.
What are the PE and PB ratios of RED RIVER BANCSHARES INC (RRBI) stock?
The Price/Earnings (PE) ratio for RED RIVER BANCSHARES INC (RRBI) is 10.96 and the Price/Book (PB) ratio is 1.32.
What is the earnings growth outlook for RED RIVER BANCSHARES INC?
The Earnings per Share (EPS) of RED RIVER BANCSHARES INC (RRBI) is expected to grow by 26.57% in the next year.