Red River Bancshares, Inc. (RRBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Five Star Bancorp

Northeast Bank (Maine)

Red River Bancshares, Inc.

Equity Bancshares, Inc.

Summit Financial Group, Inc. (West Virginia)

Shore Bancshares, Inc.

Mid Penn Bancorp, Inc.

SmartFinancial, Inc.

Bar Harbor Bankshares

Enterprise Bancorp, Inc.

Burke Herbert Financial Services Corp.

Why is Red River Bancshares, Inc. ?

The Bank has a high Capital Adequacy Ratio of 16.97% signifying high buffers against its risk based assets

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 7 consecutive quarters
NII(Q) Highest at USD 28.4 MM
OPERATING CASH FLOW(Y) Highest at USD 48.77 MM
ROCE(HY) Highest at 1.36%

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 62.21%, its profits have risen by 24.9% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 36.46%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 6.42% over the previous quarter.

Market Beating Performance

The stock has generated a return of 62.21% in the last 1 year, much higher than market (S&P 500) returns of 22.99%

Real-Time Research Report

Verdict Report

How 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.

62.21%

3.86

26.86%

S&P 500

22.99%

1.78

12.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.14%

EBIT Growth (5y)

4.72%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

8.47%

Pledged Shares

Institutional Holding

36.46%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

33.84%

ROE (Latest)

11.71%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

NII(Q)

Highest at USD 28.4 MM

OPERATING CASH FLOW(Y)

Highest at USD 48.77 MM

ROCE(HY)

Highest at 1.36%

DIVIDEND PER SHARE(HY)

Highest at USD 0

DIVIDEND PAYOUT RATIO(Y)

Highest at 13.8%

OPERATING PROFIT(Q)

Highest at USD 14.96 MM

OPERATING PROFIT MARGIN(Q)

Highest at 38.21 %

PRE-TAX PROFIT(Q)

Highest at USD 14.94 MM

NET PROFIT(Q)

Highest at USD 11.97 MM

EPS(Q)

Highest at USD 1.81

-3What is not working for the Company

ROCE(HY)

Lowest at 1.36%

CASH AND EQV(HY)

Lowest at USD 62.36 MM

Here's what is working for Red River Bancshares, Inc.

NII

Highest at USD 28.4 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 48.77 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 14.96 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 38.21 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 14.94 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 11.97 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.81

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend Payout Ratio

Highest at 13.8%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 17.47%

in the last five periods

MOJO 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 (%)

Here's what is not working for Red River Bancshares, Inc.

Cash and Eqv

Lowest at USD 62.36 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents