RRBI
Financial ServicesRed River Bancshares, Inc. · Banks - Regional · $600M
RRBI — Key Takeaways
✅ Strengths
⚠️ Areas of Concern
RRBI — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Apr 8, 2026 | 57.7 | 79.9 | 26.0 | 36.7 | 73.1 | 86.6 | 0.0 |
| Apr 7, 2026 | 57.7 | 79.9 | 26.0 | 36.7 | 73.1 | 86.6 | 0.0 |
| Apr 6, 2026 | 57.7 | 79.9 | 26.0 | 36.7 | 73.1 | 86.6 | 0.0 |
| Apr 5, 2026 | 57.7 | 79.9 | 26.0 | 36.7 | 73.1 | 86.6 | 0.0 |
| Apr 4, 2026 | 57.7 | 79.9 | 26.0 | 36.7 | 73.1 | 86.2 | +0.1 |
| Apr 3, 2026 | 57.6 | 79.7 | 26.0 | 36.7 | 73.1 | 86.1 | 0.0 |
| Apr 2, 2026 | 57.6 | 79.7 | 26.0 | 36.7 | 73.1 | 86.1 | — |
RRBI — Pillar Breakdown
Quality
— 79.9/100 (25%)Red River Bancshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 36.7/100 (20%)Red River Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 73.1/100 (15%)Red River Bancshares, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.6/100 (15%)Red River Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 26/100 (30%)Red River Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RRBI.
Score Composition
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How is the RRBI UQS Score Calculated?
The UQS (Unified Quality Score) for Red River Bancshares, Inc. is calculated using a proprietary 5-pillar framework with 25 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Red River Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Red River Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.