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 25.82 MM
- NET SALES(Q) Highest at USD 36.73 MM
- GROSS NPA (%)(Q) Lowest at 0.05%
3
With ROA of 0.71%, it has a attractive valuation with a 1.12 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 16.82%, its profits have risen by 8.8% ; the PEG ratio of the company is 0.7
4
High Institutional Holdings at 26.92%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.5% over the previous quarter.
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Red River Bancshares, Inc.
19.29%
2.05
28.64%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.74%
EBIT Growth (5y)
5.37%
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
7.27%
Pledged Shares
0
Institutional Holding
26.92%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.12
EV to EBIT
2.82
EV to EBITDA
2.61
EV to Capital Employed
1.53
EV to Sales
0.84
PEG Ratio
0.71
Dividend Yield
NA
ROCE (Latest)
54.50%
ROE (Latest)
10.92%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at USD 25.82 MM
NET SALES(Q)
Highest at USD 36.73 MM
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Highest at 7.96%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 76.09%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Red River Bancshares, Inc.
NII
Highest at USD 25.82 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 36.73 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Non Performing Loans (%)
Lowest at 0.05%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 76.09%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 7.96%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 17.32%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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