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%)
We assign a fundamental rating of 5 out of 10 to RRBI. RRBI was compared to 390 industry peers in the Banks industry. RRBI has an average financial health and profitability rating. RRBI is not valued too expensively and it also shows a decent growth rate.
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.
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
RRBI has a better Return On Assets (1.22%) than 79.74% of its industry peers.
RRBI has a Return On Equity of 11.51%. This is in the better half of the industry: RRBI outperforms 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.
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) | 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.
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
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 23.26% over the past year.
The Earnings Per Share has been growing slightly by 7.23% on average over the past years.
The Revenue has grown by 10.39% in the past year. This is quite good.
The Revenue has been growing slightly by 6.63% on average over the past years.
EPS 1Y (TTM)23.26%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%30.17%
Revenue 1Y (TTM)10.39%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%18.51%
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 15.53% on average per year.
Based on estimates for the next years, RRBI will show a quite strong growth in Revenue. The Revenue will grow by 17.44% on average per year.
EPS Next Y26.57%
EPS Next 2Y15.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.89%
Revenue Next 2Y17.44%
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
Based on the Price/Earnings ratio of 11.65, the valuation of RRBI can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of RRBI is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.11, RRBI is valued rather cheaply.
The Price/Forward Earnings ratio is 9.98, 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.
RRBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 9.98 |
4.2 Price Multiples
RRBI's Price/Free Cash Flow ratio is in line with the industry average.
| 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.
RRBI's earnings are expected to grow with 15.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)1.61
EPS Next 2Y15.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RRBI has a yearly dividend return of 0.88%, which is pretty low.
Compared to an average industry Dividend Yield of 3.51, RRBI's dividend is way lower than its industry peers. On top of this 82.82% 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 | 0.88% |
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
7.35% of the earnings are spent on dividend by RRBI. This is a low number and 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 2Y15.53%
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)116.98M
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 | 0.88% |
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 | 11.65 | ||
| Fwd PE | 9.98 | ||
| 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)5.67
EY8.58%
EPS(NY)6.62
Fwd EY10.02%
FCF(TTM)5.36
FCFY8.11%
OCF(TTM)5.86
OCFY8.87%
SpS17.51
BVpS50.2
TBVpS49.97
PEG (NY)0.44
PEG (5Y)1.61
Graham Number80.03
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)23.26%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%30.17%
EPS Next Y26.57%
EPS Next 2Y15.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.39%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%18.51%
Revenue Next Year28.89%
Revenue Next 2Y17.44%
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 11.65 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.