RED RIVER BANCSHARES INC (RRBI) Fundamental Analysis & Valuation

NASDAQ:RRBI • US75686R2022

Current stock price

93.8 USD
-0.11 (-0.12%)
At close:
93.8 USD
0 (0%)
After Hours:

This RRBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RRBI Profitability Analysis

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.
  • RRBI had a positive operating cash flow in each of the past 5 years.
RRBI Yearly Net Income VS EBIT VS OCF VS FCFRRBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.28%, RRBI is in the better half of the industry, outperforming 78.19% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.71%, RRBI is in the better half of the industry, outperforming 77.13% of the companies in the same industry.
Industry RankSector Rank
ROA 1.28%
ROE 11.71%
ROIC N/A
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)11.3%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
RRBI Yearly ROA, ROE, ROICRRBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • RRBI has a Profit Margin of 34.07%. This is amongst the best in the industry. RRBI outperforms 87.50% of its industry peers.
  • RRBI's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 34.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.93%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
RRBI Yearly Profit, Operating, Gross MarginsRRBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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5

2. RRBI Health Analysis

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.
RRBI Yearly Shares OutstandingRRBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
RRBI Yearly Total Debt VS Total AssetsRRBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.95%
RRBI Yearly LT Debt VS Equity VS FCFRRBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RRBI Yearly Current Assets VS Current LiabilitesRRBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. RRBI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 28.83% over the past year.
  • RRBI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.78% yearly.
  • RRBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.39%.
  • The Revenue has been growing slightly by 6.36% on average over the past years.
EPS 1Y (TTM)28.83%
EPS 3Y7.53%
EPS 5Y10.78%
EPS Q2Q%26.28%
Revenue 1Y (TTM)14.39%
Revenue growth 3Y6.03%
Revenue growth 5Y6.36%
Sales Q2Q%19.23%

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 8.83% yearly.
  • Based on estimates for the next years, RRBI will show a quite strong growth in Revenue. The Revenue will grow by 16.52% on average per year.
EPS Next Y13.89%
EPS Next 2Y8.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.1%
Revenue Next 2Y16.52%
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 accelerating: in the next years the growth will be better than in the last years.
RRBI Yearly Revenue VS EstimatesRRBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
RRBI Yearly EPS VS EstimatesRRBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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2

4. RRBI Valuation Analysis

4.1 Price/Earnings Ratio

  • RRBI is valuated correctly with a Price/Earnings ratio of 14.68.
  • RRBI's Price/Earnings ratio is a bit more expensive when compared to the industry. RRBI is more expensive than 70.21% of the companies in the same industry.
  • RRBI is valuated rather cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 12.89, which indicates a correct valuation of RRBI.
  • RRBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RRBI is more expensive than 70.74% of the companies in the same industry.
  • RRBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.68
Fwd PE 12.89
RRBI Price Earnings VS Forward Price EarningsRRBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RRBI is valued a bit more expensive than the industry average as 60.11% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.62
EV/EBITDA N/A
RRBI Per share dataRRBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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)1.06
PEG (5Y)1.36
EPS Next 2Y8.83%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. RRBI Dividend Analysis

5.1 Amount

  • RRBI has a Yearly Dividend Yield of 1.06%. Purely for dividend investing, there may be better candidates out there.
  • With a Dividend Yield of 1.06, RRBI pays less dividend than the industry average, which is at 2.57. 80.59% of the companies listed in the same industry pay a better dividend than RRBI!
  • With a Dividend Yield of 1.06, RRBI pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.06%

5.2 History

  • The dividend of RRBI is nicely growing with an annual growth rate of 17.38%!
  • RRBI has been paying a dividend for over 5 years, so it has already some track record.
  • As RRBI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)17.38%
Div Incr Years3
Div Non Decr Years5
RRBI Yearly Dividends per shareRRBI Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • RRBI pays out 8.39% of its income as dividend. This is a sustainable payout ratio.
  • RRBI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP8.39%
EPS Next 2Y8.83%
EPS Next 3YN/A
RRBI Yearly Income VS Free CF VS DividendRRBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
RRBI Dividend Payout.RRBI Dividend Payout, showing the Payout Ratio.RRBI Dividend Payout.PayoutRetained Earnings

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RRBI Fundamentals: All Metrics, Ratios and Statistics

RED RIVER BANCSHARES INC

NASDAQ:RRBI (4/24/2026, 8:06:50 PM)

After market: 93.8 0 (0%)

93.8

-0.11 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)07-28
Inst Owners34.39%
Inst Owner Change0.11%
Ins Owners23.88%
Ins Owner Change0.39%
Market Cap617.20M
Revenue(TTM)125.52M
Net Income(TTM)42.76M
Analysts84.44
Price Target99.28 (5.84%)
Short Float %2.22%
Short Ratio1.77
Dividend
Industry RankSector Rank
Dividend Yield 1.06%
Yearly Dividend0.54
Dividend Growth(5Y)17.38%
DP8.39%
Div Incr Years3
Div Non Decr Years5
Ex-Date03-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.84%
Min EPS beat(2)4.55%
Max EPS beat(2)5.13%
EPS beat(4)4
Avg EPS beat(4)8.13%
Min EPS beat(4)4.5%
Max EPS beat(4)18.33%
EPS beat(8)8
Avg EPS beat(8)7.4%
EPS beat(12)10
Avg EPS beat(12)6.45%
EPS beat(16)14
Avg EPS beat(16)6.68%
Revenue beat(2)1
Avg Revenue beat(2)-3.76%
Min Revenue beat(2)-8.72%
Max Revenue beat(2)1.2%
Revenue beat(4)2
Avg Revenue beat(4)-2.95%
Min Revenue beat(4)-8.72%
Max Revenue beat(4)4.16%
Revenue beat(8)3
Avg Revenue beat(8)-3.08%
Revenue beat(12)4
Avg Revenue beat(12)-1.15%
Revenue beat(16)8
Avg Revenue beat(16)4.83%
PT rev (1m)4.1%
PT rev (3m)19.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.24%
EPS NY rev (1m)0%
EPS NY rev (3m)8.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)22.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)22.09%
Valuation
Industry RankSector Rank
PE 14.68
Fwd PE 12.89
P/S 4.92
P/FCF 14.62
P/OCF 13.78
P/B 1.69
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)6.39
EY6.81%
EPS(NY)7.28
Fwd EY7.76%
FCF(TTM)6.42
FCFY6.84%
OCF(TTM)6.81
OCFY7.26%
SpS19.08
BVpS55.49
TBVpS55.26
PEG (NY)1.06
PEG (5Y)1.36
Graham Number89.3232 (-4.77%)
Profitability
Industry RankSector Rank
ROA 1.28%
ROE 11.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.07%
GM N/A
FCFM 33.63%
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)11.3%
ROE(5y)11.77%
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-0.93%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 72.73%
Cap/Sales 2.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8.95%
ROIC/WACCN/A
Cap/Depr(3y)134.43%
Cap/Depr(5y)172.13%
Cap/Sales(3y)3.69%
Cap/Sales(5y)4.53%
Profit Quality(3y)99.06%
Profit Quality(5y)115.38%
High Growth Momentum
Growth
EPS 1Y (TTM)28.83%
EPS 3Y7.53%
EPS 5Y10.78%
EPS Q2Q%26.28%
EPS Next Y13.89%
EPS Next 2Y8.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.39%
Revenue growth 3Y6.03%
Revenue growth 5Y6.36%
Sales Q2Q%19.23%
Revenue Next Year30.1%
Revenue Next 2Y16.52%
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 1Y26.36%
FCF growth 3Y4.09%
FCF growth 5Y48.94%
OCF growth 1Y16.99%
OCF growth 3Y-0.79%
OCF growth 5Y28.47%

RED RIVER BANCSHARES INC / RRBI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of RED RIVER BANCSHARES INC (RRBI) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RRBI.


Can you provide the valuation status for RED RIVER BANCSHARES INC?

ChartMill assigns a valuation rating of 2 / 10 to RED RIVER BANCSHARES INC (RRBI). This can be considered as Overvalued.


How profitable is RED RIVER BANCSHARES INC (RRBI) stock?

RED RIVER BANCSHARES INC (RRBI) has a profitability rating of 4 / 10.


What is the expected EPS growth for RED RIVER BANCSHARES INC (RRBI) stock?

The Earnings per Share (EPS) of RED RIVER BANCSHARES INC (RRBI) is expected to grow by 13.89% in the next year.


Can you provide the dividend sustainability for RRBI stock?

The dividend rating of RED RIVER BANCSHARES INC (RRBI) is 4 / 10 and the dividend payout ratio is 8.39%.