RED RIVER BANCSHARES INC (RRBI)
US75686R2022 - Common Stock
RRBI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. RRBI has only an average score on both its financial health and profitability. 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.
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
With a decent Return On Assets value of 1.11%, RRBI is doing good in the industry, outperforming 72.09% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.48%, RRBI is in the better half of the industry, outperforming 75.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 11.48% | ||
| ROIC | N/A |
ROA(3y)1.11%
ROA(5y)1.13%
ROE(3y)12.14%
ROE(5y)11.22%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 32.43%, RRBI belongs to the best of the industry, outperforming 84.95% 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) | 32.43% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.09%
PM growth 5Y0.68%
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.
Compared to 1 year ago, RRBI has less shares outstanding
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
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
WACC9.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RRBI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.45%.
Measured over the past years, RRBI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.70% on average per year.
RRBI shows a small growth in Revenue. In the last year, the Revenue has grown by 2.06%.
The Revenue has been growing slightly by 7.85% on average over the past years.
EPS 1Y (TTM)-5.45%
EPS 3Y8.26%
EPS 5Y8.7%
EPS growth Q2Q-18.31%
Revenue 1Y (TTM)2.06%
Revenue growth 3Y5.27%
Revenue growth 5Y7.85%
Revenue growth Q2Q-6.4%
3.2 Future
The Earnings Per Share is expected to grow by 0.47% on average over the next years.
Based on estimates for the next years, RRBI will show a quite strong growth in Revenue. The Revenue will grow by 10.07% on average per year.
EPS Next Y-4.72%
EPS Next 2Y0.47%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.35%
Revenue Next 2Y10.07%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.86, the valuation of RRBI can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as RRBI.
RRBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.73.
RRBI is valuated reasonably with a Price/Forward Earnings ratio of 10.35.
RRBI's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of RRBI to the average of the S&P500 Index (20.41), we can say RRBI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 10.35 |
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 | 9.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.13
EPS Next 2Y0.47%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.77%, RRBI is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.76, RRBI's dividend is way lower than its industry peers. On top of this 85.19% of the companies listed in the same industry pay a better dividend than RRBI!
Compared to an average S&P500 Dividend Yield of 2.41, RRBI's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.77% |
5.2 History
On average, the dividend of RRBI grows each year by 17.95%, 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)17.95%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
6.56% of the earnings are spent on dividend by RRBI. This is a low number and sustainable payout ratio.
The dividend of RRBI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP6.56%
EPS Next 2Y0.47%
EPS Next 3YN/A
RED RIVER BANCSHARES INC
NASDAQ:RRBI (5/3/2024, 7:16:20 PM)
After market: 47.94 0 (0%)47.94
+1.34 (+2.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap339.89M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.77% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 10.35 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 11.48% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 32.43% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-5.45%
EPS 3Y8.26%
EPS 5Y
EPS growth Q2Q
EPS Next Y-4.72%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.06%
Revenue growth 3Y5.27%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y