ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Red River Bancshares, Inc. ?
1
The Bank has a high Capital Adequacy Ratio of 16.97% signifying high buffers against its risk based assets
2
The company has declared Positive results for the last 3 consecutive quarters
- NII(Q) Highest at USD 28.24 MM
- ROCE(HY) Highest at 1.32%
- NET SALES(Q) Highest at USD 39.2 MM
3
With ROA of 0.76%, it has a attractive valuation with a 1.29 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 61.15%, its profits have risen by 18.8% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 30.04%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.35% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 61.15% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Red River Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Red River Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Red River Bancshares, Inc.
67.36%
3.24
29.37%
S&P 500
20.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.14%
EBIT Growth (5y)
4.99%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
8.46%
Pledged Shares
0
Institutional Holding
30.04%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.29
EV to EBIT
4.82
EV to EBITDA
4.47
EV to Capital Employed
1.82
EV to Sales
1.50
PEG Ratio
0.53
Dividend Yield
NA
ROCE (Latest)
37.73%
ROE (Latest)
11.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 28.24 MM
ROCE(HY)
Highest at 1.32%
NET SALES(Q)
Highest at USD 39.2 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 8.67%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 14.18 MM
OPERATING PROFIT MARGIN(Q)
Highest at 36.16 %
PRE-TAX PROFIT(Q)
Highest at USD 14.19 MM
NET PROFIT(Q)
Highest at USD 11.41 MM
EPS(Q)
Highest at USD 1.73
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 34.91 MM
ROCE(HY)
Lowest at 1.32%
CASH AND EQV(HY)
Lowest at USD 59.33 MM
Here's what is working for Red River Bancshares, Inc.
NII
Highest at USD 28.24 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 39.2 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 14.18 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 36.16 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 14.19 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 11.41 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.73
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 8.67%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Red River Bancshares, Inc.
Operating Cash Flow
Lowest at USD 34.91 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 59.33 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 17.02%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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