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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1236
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$433M
R. Blake Chatelain
Red River Bancshares, Inc. operates as a bank holding company for Red River Bank. It provides various deposit products, including checking, saving, money market accounts, and time deposits. The company operates a network of 27 banking centers throughout Louisiana.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = RRBI ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$RRBI RED RIVER BANCSHARES INC | 55 | 33 | 48 | 89 | 14.7x | 11.8x | 11.4% | 1.3% | 0.0% | 34.1% | 27.5% | 13.3% | 0.7% | 815.0x | $433M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
RED RIVER BANCSHARES INC (RRBI) receives a "Hold" rating with a composite score of 55.2/100. It ranks #1236 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for RRBI.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 33 | 59 | -26DRAG |
| MOMENTUM | 89 | 95 | -6DRAG |
| VALUATION | 48 | 61 | -13DRAG |
| INVESTMENT | 42 | 79 | -37DRAG |
| STABILITY | 53 | 56 | -3NEUTRAL |
| SHORT INT | 41 | 38 | +3NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 11.4% (sector 9.0%)
GM 0% vs sector 78%, OM 34% vs sector 18%
Capital turnover N/A
Rev growth 13%, 6yr history
Interest coverage 1.2x, Net debt/EBITDA -2.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate RED RIVER BANCSHARES INC (RRBI) as a Hold with a composite score of 55.2/100 at a current price of $88.42. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
RED RIVER BANCSHARES INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 55.2/100 places it at rank #1236 in our full universe.
The near-term outlook is constructive, with revenue growing at 13% and momentum in the 89th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
Narrow
Medium
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 815% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
RED RIVER BANCSHARES INC represents a hold based on multi-factor quantitative performance.
Our model assigns RED RIVER BANCSHARES INC a Hold rating, with a composite score of 55.2/100 and 3 out of 5 stars. Ranked #1236 of 7,333 stocks, RRBI presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
RRBI's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 11.4% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 27.5% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 48/100, RRBI appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 14.67x, an EV/EBITDA of 11.82x, a P/B ratio of 1.67x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 42/100, RRBI exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 13.3% vs. a sector average of 10.7% and a return on assets of 1.3% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
RRBI shows strong momentum characteristics with a score of 89/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 13.3% year-over-year, while a beta of 0.69 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 53/100, RRBI exhibits average financial resilience. Key stability metrics include a beta of 0.69 and a debt-to-equity ratio of 815.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 41/100 for RRBI suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 815.00x), small-cap liquidity risk. With a $433M market cap (small-cap), RED RIVER BANCSHARES INC may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
RRBI offers a modest dividend yield of 0.7%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
RED RIVER BANCSHARES INC is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1236 of 7,333 overall (83rd percentile). Key comparisons include ROE of 11.4% exceeding the 9.0% sector median and operating margins of 34.1% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While RRBI currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (89) vs Quality (33) — closing this gap could shift the rating.
EV/EBITDA 52% ABOVE SECTOR MEDIAN
ROE 27% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
ALEXANDRIA, La., Jan. 30, 2026 (GLOBE NEWSWIRE) -- Red River Bancshares, Inc. (the “Company”) (Nasdaq: RRBI), the holding company for Red River Bank (the “Bank”), announced today its unaudited financial results for the fourth quarter of 2025. Net income for the fourth quarter of 2025 was $11.4 million, or $1.73 per diluted common share (“EPS”), compared to $10.8 million, or $1.63 EPS, for the third quarter of 2025. For the fourth quarter of 2025, the quarterly return on assets was 1.38%, and the
Red River Bancshares (RRBI) delivered earnings and revenue surprises of 10.48% and 0.50%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
Prosperity Bancshares (PB) delivered earnings and revenue surprises of 2.61% and 0.81%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?