RRBI Fundamental Analysis - RED RIVER BANCSHARES INC

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to RRBI. RRBI was compared to 395 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.

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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.

RRBI had a positive operating cash flow in each of the past 5 years.

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 76.20% of the companies in the same industry.

RRBI has a better Return On Equity (10.92%) than 76.71% 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 86.08% of its industry peers.

RRBI's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for RRBI so they could not be analyzed.

		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

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

WACC8.9%

2.3 Liquidity

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

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WACC

Debt/Equity

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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.

RRBI shows a small growth in Revenue. In the last year, the Revenue has grown by 6.31%.

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

Based on estimates for the next years, RRBI will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.26% on average per year.

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

EPS Next Y20.44%

EPS Next 2Y11.26%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.00, which indicates a very decent valuation of RRBI.

Based on the Price/Earnings ratio, RRBI is valued a bit cheaper than the industry average as 64.81% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of RRBI to the average of the S&P500 Index (26.92), we can say RRBI is valued rather cheaply.

A Price/Forward Earnings ratio of 9.53 indicates a reasonable 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 21.49. RRBI is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11
Fwd PE	9.53

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	11.79
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)0.54

PEG (5Y)1.52

EPS Next 2Y11.26%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

RRBI has a yearly dividend return of 0.85%, which is pretty low.

Compared to an average industry Dividend Yield of 3.61, RRBI's dividend is way lower than its industry peers. On top of this 84.30% of the companies listed in the same industry pay a better dividend than RRBI!

With a Dividend Yield of 0.85, RRBI pays less dividend than the S&P500 average, which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	0.85%

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 2Y11.26%

EPS Next 3YN/A

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RED RIVER BANCSHARES INC

NASDAQ:RRBI (6/27/2025, 4:31:17 PM)

After market: 58.5 0 (0%)

58.5

-0.44 (-0.75%)

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 Owners25.61%

Inst Owner Change3.7%

Ins Owners25.28%

Ins Owner Change0.5%

Market Cap397.21M

Analysts86.67

Price Target68.43 (16.97%)

Short Float %0.65%

Short Ratio3.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.85%

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)0.37%

PT rev (3m)-2.78%

EPS NQ rev (1m)0.24%

EPS NQ rev (3m)6.85%

EPS NY rev (1m)0.11%

EPS NY rev (3m)9.15%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)16.39%

Revenue NY rev (1m)0%

Revenue NY rev (3m)16.37%

Valuation

		Industry Rank	Sector Rank
PE	11
Fwd PE	9.53
P/S	3.51
P/FCF	11.79
P/OCF	10.51
P/B	1.19
P/tB	1.2
EV/EBITDA	N/A

EPS(TTM)5.32

EY9.09%

EPS(NY)6.14

Fwd EY10.5%

FCF(TTM)4.96

FCFY8.48%

OCF(TTM)5.56

OCFY9.51%

SpS16.69

BVpS49.09

TBVpS48.86

PEG (NY)0.54

PEG (5Y)1.52

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

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 Y20.44%

EPS Next 2Y11.26%

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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