72.98 USD
+0.05 (+0.07%)
RRBI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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
- 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 (1.26%) than 80.16% of its industry peers.
- RRBI's Return On Equity of 11.57% is fine compared to the rest of the industry. RRBI outperforms 78.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.57% | ||
| 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
- With an excellent Profit Margin value of 33.60%, RRBI belongs to the best of the industry, outperforming 87.47% 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) | 33.6% | ||
| 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
- 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
- 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
WACC8.83%
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 26.95% 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 12.54% in the past year. This is quite good.
- Measured over the past years, RRBI shows a small growth in Revenue. The Revenue has been growing by 6.63% on average per year.
EPS 1Y (TTM)26.95%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%28.35%
Revenue 1Y (TTM)12.54%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%19.72%
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 11.96% on average per year.
- The Revenue is expected to grow by 13.26% on average over the next years. This is quite good.
EPS Next Y29.04%
EPS Next 2Y16.06%
EPS Next 3Y11.96%
EPS Next 5YN/A
Revenue Next Year29.95%
Revenue Next 2Y17.64%
Revenue Next 3Y13.26%
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
- A Price/Earnings ratio of 12.10 indicates a correct valuation of RRBI.
- 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 27.30.
- With a Price/Forward Earnings ratio of 10.92, the valuation of RRBI can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as RRBI.
- The average S&P500 Price/Forward Earnings ratio is at 24.04. RRBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.1 | ||
| Fwd PE | 10.92 |
4.2 Price Multiples
- RRBI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RRBI is more expensive than 61.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.25 | ||
| 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)0.42
PEG (5Y)1.67
EPS Next 2Y16.06%
EPS Next 3Y11.96%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.82%, RRBI is not a good candidate for dividend investing.
- With a Dividend Yield of 0.82, RRBI pays less dividend than the industry average, which is at 2.90. 82.77% of the companies listed in the same industry pay a better dividend than RRBI!
- With a Dividend Yield of 0.82, RRBI pays less dividend than the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
5.2 History
- On average, the dividend of RRBI grows each year by 14.32%, 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)14.32%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
- 7.90% 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.
DP7.9%
EPS Next 2Y16.06%
EPS Next 3Y11.96%
NASDAQ:RRBI (1/14/2026, 11:24:42 AM)
72.98
+0.05 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-04 2026-02-04/bmo
Inst Owners28.93%
Inst Owner Change0%
Ins Owners24.05%
Ins Owner Change0.4%
Market Cap493.34M
Revenue(TTM)121.01M
Net Income(TTM)40.66M
Analysts86.67
Price Target83.3 (14.14%)
Short Float %1.07%
Short Ratio1.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
Yearly Dividend0.36
Dividend Growth(5Y)14.32%
DP7.9%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.52%
Min EPS beat(2)4.5%
Max EPS beat(2)4.55%
EPS beat(4)4
Avg EPS beat(4)8.92%
Min EPS beat(4)4.5%
Max EPS beat(4)18.33%
EPS beat(8)8
Avg EPS beat(8)8.61%
EPS beat(12)10
Avg EPS beat(12)6.35%
EPS beat(16)14
Avg EPS beat(16)7.24%
Revenue beat(2)0
Avg Revenue beat(2)-8.58%
Min Revenue beat(2)-8.72%
Max Revenue beat(2)-8.44%
Revenue beat(4)2
Avg Revenue beat(4)-2.81%
Min Revenue beat(4)-8.72%
Max Revenue beat(4)4.16%
Revenue beat(8)3
Avg Revenue beat(8)-0.4%
Revenue beat(12)4
Avg Revenue beat(12)0.21%
Revenue beat(16)8
Avg Revenue beat(16)6.8%
PT rev (1m)7.81%
PT rev (3m)14.35%
EPS NQ rev (1m)1.47%
EPS NQ rev (3m)0.83%
EPS NY rev (1m)1.21%
EPS NY rev (3m)1.95%
Revenue NQ rev (1m)0.93%
Revenue NQ rev (3m)-7.63%
Revenue NY rev (1m)0.88%
Revenue NY rev (3m)0.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.1 | ||
| Fwd PE | 10.92 | ||
| P/S | 4.08 | ||
| P/FCF | 14.25 | ||
| P/OCF | 12.89 | ||
| P/B | 1.4 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.03
EY8.26%
EPS(NY)6.68
Fwd EY9.15%
FCF(TTM)5.12
FCFY7.02%
OCF(TTM)5.66
OCFY7.76%
SpS17.9
BVpS51.97
TBVpS51.74
PEG (NY)0.42
PEG (5Y)1.67
Graham Number83.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.57% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.6% | ||
| GM | N/A | ||
| FCFM | 28.61% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 103.11% | ||
| Cap/Sales | 3.01% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 85.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.83%
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)26.95%
EPS 3Y3.14%
EPS 5Y7.23%
EPS Q2Q%28.35%
EPS Next Y29.04%
EPS Next 2Y16.06%
EPS Next 3Y11.96%
EPS Next 5YN/A
Revenue 1Y (TTM)12.54%
Revenue growth 3Y4.49%
Revenue growth 5Y6.63%
Sales Q2Q%19.72%
Revenue Next Year29.95%
Revenue Next 2Y17.64%
Revenue Next 3Y13.26%
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-5.72%
FCF growth 3Y-17.19%
FCF growth 5Y8.06%
OCF growth 1Y-10.06%
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.
Can you provide the valuation status for RED RIVER BANCSHARES INC?
ChartMill assigns a valuation rating of 4 / 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.
Can you provide the PE and PB ratios for RRBI stock?
The Price/Earnings (PE) ratio for RED RIVER BANCSHARES INC (RRBI) is 12.1 and the Price/Book (PB) ratio is 1.4.
How financially healthy is RED RIVER BANCSHARES INC?
The financial health rating of RED RIVER BANCSHARES INC (RRBI) is 5 / 10.