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
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 8 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 54.72 MM
- NII(Q) Highest at USD 28.97 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 14.06%
3
With ROA of 0.70%, it has a fair valuation with a 1.62 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 50.49%, its profits have risen by 24.9% ; the PEG ratio of the company is 0.6
4
High Institutional Holdings at 45.82%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 9.36% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 50.49% 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.
50.49%
5.07
25.45%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.14%
EBIT Growth (5y)
4.72%
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
8.47%
Pledged Shares
0
Institutional Holding
36.46%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.62
EV to EBIT
7.52
EV to EBITDA
7.01
EV to Capital Employed
2.54
EV to Sales
2.49
PEG Ratio
0.55
Dividend Yield
NA
ROCE (Latest)
33.84%
ROE (Latest)
11.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 54.72 MM
NII(Q)
Highest at USD 28.97 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 14.06%
ROCE(HY)
Highest at 1.42%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 77.93%
NET SALES(Q)
Highest at USD 39.32 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.42%
Here's what is working for Red River Bancshares, Inc.
NII
Highest at USD 28.97 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 54.72 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 14.06% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Net Sales
Highest at USD 39.32 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 77.93%
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 (%)
CASA
Highest at 17.71%
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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