NasdaqGS:RRBI

Stock Analysis Report

Executive Summary

Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to businesses, professionals, individuals, and public entities in Louisiana.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Risks

  • Red River Bancshares is covered by less than 3 analysts.

Share Price & News

How has Red River Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

NasdaqGS:RRBI

2.4%

US Banks

2.9%

US Market


1 Year Return

n/a

NasdaqGS:RRBI

-14.8%

US Banks

0.2%

US Market

No trading data on RRBI.

No trading data on RRBI.


Share holder returns

RRBIIndustryMarket
7 Day0.3%2.4%2.9%
30 Day-5.8%-6.3%-2.3%
90 Day-6.6%-2.1%3.1%
1 Yearn/a-12.4%-14.8%2.4%0.2%
3 Yearn/a41.7%32.0%41.7%32.4%
5 Yearn/a52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

How volatile is Red River Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Red River Bancshares undervalued based on future cash flows and its price relative to the stock market?

20%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Red River Bancshares's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Red River Bancshares's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Red River Bancshares is overvalued based on earnings compared to the US Banks industry average.

Red River Bancshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Red River Bancshares is poor value based on expected growth next year.


Price Based on Value of Assets

Red River Bancshares is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Red River Bancshares expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

7.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Red River Bancshares's revenue is expected to grow by 6.3% yearly, however this is not considered high growth (20% yearly).

Red River Bancshares's earnings are expected to grow by 7.2% yearly, however this is not considered high growth (20% yearly).

Red River Bancshares's revenue growth is positive but not above the United States of America market average.

Red River Bancshares's earnings growth is positive but not above the United States of America market average.

Red River Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Red River Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Red River Bancshares performed over the past 5 years?

27.3%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Red River Bancshares's year on year earnings growth rate was positive over the past 5 years.

Unable to compare Red River Bancshares's 1-year earnings growth to the 5-year average due to insufficient past data.

Red River Bancshares's earnings growth has not exceeded the US Banks industry average in the past year (27.3% vs 33.2%).


Return on Equity

Red River Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Red River Bancshares used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Red River Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Red River Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Red River Bancshares has an acceptable proportion of non-loan assets held.

Red River Bancshares has a sufficient allowance for bad loans.

Red River Bancshares's liabilities are made up of primarily low risk sources of funding.

Red River Bancshares's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Red River Bancshares are broadly funded by customer deposits.

Red River Bancshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Red River Bancshares's current dividend yield, its reliability and sustainability?

0.50%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Red River Bancshares's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Red River Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

Red River Bancshares is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Red River Bancshares is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Red River Bancshares's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

No need to calculate the sustainability of Red River Bancshares's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of Red River Bancshares's salary, the management and board of directors tenure and is there insider trading?

21.6yrs

Average board tenure


CEO

Ronald Chatelain (55yo)

21.6yrs

Tenure

0

Mr. R. Blake Chatelain serves as the Chief Executive Officer, President and Director of Red River Bank and Red River Bancshares, Inc. since 1998. Mr. Chatelain serves as a Director at Red River Bancshares  ...


Board Age and Tenure

21.6yrs

Average Tenure

66.5yo

Average Age

The average tenure for the Red River Bancshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

SellUS$423,00007 May 19
F. Hackmeyer
EntityIndividual
Shares10,000
Max PriceUS$42.30
SellUS$409,46407 May 19
Barry Hines
EntityIndividual
Role
Member of the Board of Directors
Director
Shares9,680
Max PriceUS$42.30
SellUS$296,10007 May 19
Harrie Torbett
EntityIndividual
Role
Member of the Board of Directors
Director
Shares7,000
Max PriceUS$42.30

Ownership Breakdown


Management Team

  • Ronald Chatelain (55yo)

    President

    • Tenure: 21.6yrs
  • Bryon Salazar (46yo)

    Executive VP

    • Tenure: 0.0yrs
    • Compensation: US$334.25k
  • Tammi Salazar (49yo)

    Executive VP of Private Banking

    • Tenure: 0.0yrs
  • Jeff Theiler (54yo)

    Senior VP & COO

    • Tenure: 0.0yrs
  • Isabel Carriere (52yo)

    Executive VP

    • Tenure: 0.0yrs
  • Amanda Barnett (55yo)

    Senior VP

    • Tenure: 0.0yrs
  • Andrew Cutrer (45yo)

    Senior Vice President

    • Tenure: 0.0yrs

Board Members

  • Ronald Chatelain (55yo)

    President

    • Tenure: 21.6yrs
  • Barry Hines (71yo)

    Director

    • Tenure: 21.6yrs
  • Robert Nichols (69yo)

    Director

    • Tenure: 12.6yrs
  • Willie Obey (69yo)

    Director

    • Tenure: 21.6yrs
  • Teddy Price (55yo)

    Director

    • Tenure: 21.6yrs
  • John Simpson (77yo)

    Non-Executive Chairman of the Board

    • Tenure: 21.6yrs
  • Don Thompson (60yo)

    Director

    • Tenure: 21.6yrs
  • Harrie Torbett (64yo)

    Director

    • Tenure: 21.6yrs
  • Michael Ashbrook (48yo)

    Director

    • Tenure: 6.6yrs
  • Kirk Cooper (70yo)

    Director

    • Tenure: 21.6yrs

Company Information

Red River Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Red River Bancshares, Inc.
  • Ticker: RRBI
  • Exchange: NasdaqGS
  • Founded: 1998
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$330.607m
  • Shares outstanding: 7.31m
  • Website: https://www.redriverbank.net

Number of Employees


Location

  • Red River Bancshares, Inc.
  • 1412 Centre Court Drive
  • Suite 101
  • Alexandria
  • Louisiana
  • 71301
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RRBINasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDMay 2019

Biography

Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to businesses, professionals, individuals, and public entities in Louisiana. It  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 00:55
End of Day Share Price2019/08/21 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.