RRBI Fundamental Analysis - RED RIVER BANCSHARES INC

Fundamental Rating

Overall RRBI gets a fundamental rating of 5 out of 10. We evaluated RRBI against 396 industry peers in the Banks industry. RRBI has an average financial health and profitability rating. RRBI has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

RRBI had positive earnings in the past year.

RRBI had a positive operating cash flow in the past year.

RRBI had positive earnings in each of the past 5 years.

In the past 5 years RRBI always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.14%, RRBI is in the better half of the industry, outperforming 76.26% of the companies in the same industry.

RRBI has a Return On Equity of 10.92%. This is in the better half of the industry: RRBI outperforms 76.52% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.14%
ROE	10.92%
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

The Profit Margin of RRBI (32.12%) is better than 86.11% of its industry peers.

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)	32.12%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

RRBI does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, RRBI has less shares outstanding

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

RRBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC9.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.43% over the past year.

RRBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.23% yearly.

The Revenue has been growing slightly by 6.31% in the past 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)6.31%

Revenue growth 3Y4.49%

Revenue growth 5Y6.63%

Sales Q2Q%15.2%

3.2 Future

RRBI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.02% yearly.

The Revenue is expected to grow by 15.54% on average over the next years. This is quite good.

EPS Next Y20.3%

EPS Next 2Y11.02%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year26.25%

Revenue Next 2Y15.54%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.53, the valuation of RRBI can be described as very reasonable.

Based on the Price/Earnings ratio, RRBI is valued a bit cheaper than the industry average as 67.68% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 26.52. RRBI is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 9.16, the valuation of RRBI can be described as very reasonable.

RRBI's Price/Forward Earnings ratio is in line with the industry average.

RRBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.25.

		Industry Rank	Sector Rank
PE	10.53
Fwd PE	9.16

4.2 Price Multiples

RRBI's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	11.29
EV/EBITDA	N/A

4.3 Compensation for Growth

RRBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.52

PEG (5Y)1.46

EPS Next 2Y11.02%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

RRBI has a yearly dividend return of 0.86%, which is pretty low.

With a Dividend Yield of 0.86, RRBI pays less dividend than the industry average, which is at 3.47. 84.34% of the companies listed in the same industry pay a better dividend than RRBI!

With a Dividend Yield of 0.86, RRBI pays less dividend than the S&P500 average, which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	0.86%

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

7.30% 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.

DP7.3%

EPS Next 2Y11.02%

EPS Next 3YN/A

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RED RIVER BANCSHARES INC

NASDAQ:RRBI (6/6/2025, 8:25:57 PM)

+0.45 (+0.81%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/bmo

Earnings (Next)07-24 2025-07-24/bmo

Inst Owners24.76%

Inst Owner Change3.7%

Ins Owners25.98%

Ins Owner Change0.5%

Market Cap380.24M

Analysts86.67

Price Target68.43 (22.2%)

Short Float %0.59%

Short Ratio3.71

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.86%

Yearly Dividend0.36

Dividend Growth(5Y)14.32%

DP7.3%

Div Incr Years2

Div Non Decr Years4

Ex-Date06-06 2025-06-06 (0.12)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)13.33%

Min EPS beat(2)8.32%

Max EPS beat(2)18.33%

EPS beat(4)4

Avg EPS beat(4)8.78%

Min EPS beat(4)3.39%

Max EPS beat(4)18.33%

EPS beat(8)7

Avg EPS beat(8)7.96%

EPS beat(12)10

Avg EPS beat(12)7.64%

EPS beat(16)14

Avg EPS beat(16)7.62%

Revenue beat(2)2

Avg Revenue beat(2)2.95%

Min Revenue beat(2)1.75%

Max Revenue beat(2)4.16%

Revenue beat(4)2

Avg Revenue beat(4)0.62%

Min Revenue beat(4)-1.72%

Max Revenue beat(4)4.16%

Revenue beat(8)3

Avg Revenue beat(8)0.59%

Revenue beat(12)6

Avg Revenue beat(12)5.61%

Revenue beat(16)10

Avg Revenue beat(16)12.2%

PT rev (1m)3.89%

PT rev (3m)-3.14%

EPS NQ rev (1m)7.12%

EPS NQ rev (3m)6.6%

EPS NY rev (1m)9.55%

EPS NY rev (3m)9.03%

Revenue NQ rev (1m)16.2%

Revenue NQ rev (3m)16.39%

Revenue NY rev (1m)15.93%

Revenue NY rev (3m)16.37%

Valuation

		Industry Rank	Sector Rank
PE	10.53
Fwd PE	9.16
P/S	3.36
P/FCF	11.29
P/OCF	10.06
P/B	1.14
P/tB	1.15
EV/EBITDA	N/A

EPS(TTM)5.32

EY9.5%

EPS(NY)6.11

Fwd EY10.92%

FCF(TTM)4.96

FCFY8.86%

OCF(TTM)5.56

OCFY9.94%

SpS16.69

BVpS49.09

TBVpS48.86

PEG (NY)0.52

PEG (5Y)1.46

Profitability

		Industry Rank	Sector Rank
ROA	1.14%
ROE	10.92%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.12%
GM	N/A
FCFM	29.73%

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-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	122.34%
Cap/Sales	3.6%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	92.57%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC9.15%

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 Y20.3%

EPS Next 2Y11.02%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.31%

Revenue growth 3Y4.49%

Revenue growth 5Y6.63%

Sales Q2Q%15.2%

Revenue Next Year26.25%

Revenue Next 2Y15.54%

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-23.04%

FCF growth 3Y-17.19%

FCF growth 5Y8.06%

OCF growth 1Y-25%

OCF growth 3Y-14.96%

OCF growth 5Y7.68%

RED RIVER BANCSHARES INC (RRBI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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