Red River Bancshares, Inc. Financial Ratios — RRBI Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	12.02	11.01	10.67	11.42	11.63	10.01	9.26	10.93
Return on Assets (%)	- -	1.29	1.29	1.22	1.12	1.17	1.12	1.09	1.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.22	2.8	3	2.65	2.68	2.49	2.58	2.96	2.85
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.48	38.89	38.83	37.83	42.08	42.95	40.3	38.94	42.71
Profit Margin (%)	22.02	31.62	31.64	30.89	34.61	35.25	32.73	31.45	34.38
Net Income to Common Margin (%)	22.02	31.62	31.64	30.89	34.61	35.25	32.73	31.45	34.38
Effective Tax Rate (%)	37.93	18.69	18.51	18.34	17.74	17.93	18.78	19.22	19.5
Dvd Payout Ratio (%)	- -	4.38	5.34	6.25	6.17	5.45	6.56	7.25	8.39
Sustainable Growth Rate (%)	- -	11.49	10.42	10	10.71	10.99	9.35	8.59	10.01

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	12	11	5	4	4	4	4	3	2
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	12	11	5	4	4	4	4	3	2
Total Debt/EBITDA	5.64	5.56	1.96	1.75	1.51	1.63	1.37	0.89	0.44
Net Debt/EBITDA	-23.58	-68.87	-56.67	-185.25	-307.55	-106.7	-111.23	-83.56	-60.18
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.64	10.76	12.61	10.48	9.31	10.86	11.57	11.98	12.09
Long-Term Debt/Equity (%)	6.47	5.85	1.83	1.48	1.29	1.6	1.24	0.9	0.42
Long-Term Debt/Capital (%)	5.91	5.36	1.8	1.51	1.26	1.26	1.03	0.75	0.38
Long-Term Debt/Total Assets (%)	0.67	0.61	0.23	0.16	0.12	0.14	0.12	0.09	0.05
Total Debt/Equity (%)	6.47	5.85	1.83	1.48	1.29	1.6	1.24	0.9	0.42
Total Debt/Capital (%)	5.91	5.36	1.8	1.51	1.26	1.26	1.03	0.75	0.38
Total Debt/Total Assets (%)	0.67	0.61	0.23	0.16	0.12	0.14	0.12	0.09	0.05
Net Debt to Equity	-27.03	-72.57	-52.92	-156.65	-263.24	-104.76	-100.52	-84.12	-58.44
Net Debt/Capital (%)	-35.57	-235.84	-109.29	269.47	163.2	-458.66	-506.69	-242.11	-110.32
EBITDA	2	2	2	2	3	3	3	3	4
EBITDA-CapEx	-1	-3	-1	-5	-1	-6	-2	-2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.64	10.76	12.61	10.48	9.31	10.86	11.57	11.98	12.09
Long-Term Debt/Equity (%)	6.47	5.85	1.83	1.48	1.29	1.6	1.24	0.9	0.42
Long-Term Debt/Capital (%)	5.91	5.36	1.8	1.51	1.26	1.26	1.03	0.75	0.38
Long-Term Debt/Total Assets (%)	0.67	0.61	0.23	0.16	0.12	0.14	0.12	0.09	0.05
Total Debt/Equity (%)	6.47	5.85	1.83	1.48	1.29	1.6	1.24	0.9	0.42
Total Debt/Capital (%)	5.91	5.36	1.8	1.51	1.26	1.26	1.03	0.75	0.38
Total Debt/Total Assets (%)	0.67	0.61	0.23	0.16	0.12	0.14	0.12	0.09	0.05
CFO/Total Liabilities	1.3	1.56	1.52	0.54	2.13	1.63	1.42	1.35	1.5
CFO/CapEx	5.76	4.79	7.01	1.82	18.17	5.43	8.16	7.85	17.37
Altman's Z-Score	0.15	0.16	0.3	0.24	0.21	0.24	0.26	0.26	0.29

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	14.67	15.29	15.02	14.51	13.89	11.35	10.89	11.75
Days Sales Outstanding	- -	24.89	23.87	24.3	25.16	26.27	32.15	33.52	31.07
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	385	354	382	362	399	372	477
- Cash & Cash Equivalents	60	152	133	447	785	278	305	269	213
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	12	11	5	4	4	4	4	3	2
Enterprise Value	-393	-448	-79	-587	-1,058	-527	-473	-444	261
Total Capital	195	212	255	281	304	339	366	380	407
Total Debt/Capital (%)	5.91	5.36	1.8	1.51	1.26	1.26	1.03	0.75	0.38
Total Debt / EV	-0.03	-0.03	-0.06	-0.01	- -	-0.01	-0.01	-0.01	0.01
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.81	2.1
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	27.47	73.51
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	2.31	5.82
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	2.05	5.5
Diluted Market Cap	- -	- -	387	355	383	363	400	373	479
Diluted Enterprise Value	-48	-141	259	-88	-398	88	98	107	267
EV per Share	- -	- -	- -	- -	- -	- -	- -	12.82	39.04
TTM Sales	63	73	78	91	95	105	107	109	124
TTM EBITDA	2	2	2	2	3	3	3	3	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	20	26	26	13	62	46	40	38	45
TTM Free Cash Flow to Firm	24	31	30	20	66	54	45	43	47

Multiples (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	12.82	17.91	5.83	6.68	8.89	8.65	10.11
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-393	-448	-79	-587	-1,058	-527	-473	-444	261
Low Price	- -	- -	42.35	29.9	46.1	47.09	43.5	42.78	46.33
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.81	2.1
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	27.47	73.51
Price/Earnings	- -	- -	15.5	12.58	11.6	9.8	11.44	10.88	11.15
Price/Earnings Average	- -	- -	13.05	11.42	11.41	10.15	10.01	10.27	9.41
Price/Earnings High	- -	- -	16.81	15.32	14.38	11.78	11.91	12.52	12.18
Price/Earnings Low	- -	- -	12.07	7.78	10.19	9.16	8.94	8.62	7.23
Price/Book Value	- -	- -	1.54	1.28	1.27	1.08	1.1	0.99	1.18
Price/Book Value Average	- -	- -	1.29	1.16	1.25	1.12	0.96	0.93	0.99
Price/Book Value High	- -	- -	1.66	1.56	1.58	1.3	1.15	1.14	1.29
Price/Book Value Low	- -	- -	1.19	0.79	1.12	1.01	0.86	0.78	0.76
Price/Tangible Book Value	- -	- -	1.54	1.25	1.29	1.37	1.32	1.17	1.31
Price/Tangible Book Value Average	- -	- -	1.29	1.13	1.27	1.42	1.15	1.11	1.11
Price/Tangible Book Value High	- -	- -	1.67	1.52	1.6	1.65	1.37	1.35	1.43
Price/Tangible Book Value Low	- -	- -	1.2	0.77	1.13	1.28	1.03	0.93	0.85
Price/Sales	- -	- -	4.91	3.89	4.02	3.45	3.75	3.42	3.83
Price/Sales Average	- -	- -	4.13	3.53	3.95	3.58	3.28	3.23	3.23
Price/Sales High	- -	- -	5.32	4.73	4.98	4.15	3.9	3.94	4.19
Price/Sales Low	- -	- -	3.82	2.4	3.53	3.23	2.92	2.71	2.49
Price/Cash Flow	- -	- -	14.56	27.67	6.14	7.89	9.95	9.73	10.65
Price/Cash Flow Average	- -	- -	12.25	25.11	6.04	8.17	8.7	9.19	8.98
Price/Cash Flow High	- -	- -	15.78	33.7	7.61	9.48	10.36	11.2	11.63
Price/Cash Flow Low	- -	- -	11.33	17.11	5.39	7.37	7.77	7.71	6.91
Price/Free Cash Flow Average	- -	- -	10.79	16.26	5.74	6.92	7.77	8.17	8.53
Price/Free Cash Flow High	- -	- -	13.89	21.81	7.23	8.03	9.25	9.96	11.04
Price/Free Cash Flow Low	- -	- -	9.97	11.07	5.12	6.24	6.94	6.86	6.56
EV/Sales Average	- -	- -	2.49	- -	- -	0.96	0.45	0.79	1.53
EV/Sales High	- -	- -	3.68	- -	- -	1.54	1.07	1.49	2.48
EV/Sales Low	- -	- -	2.18	- -	- -	0.61	0.09	0.27	0.78
EV/EBITDA Average	-23.58	-68.87	83.03	-50.37	-158.76	38.59	17.29	26.58	53.71
EV/EBITDA High	-23.58	-68.87	122.7	-4.84	-120.39	61.64	41.47	50.48	87.15
EV/EBITDA Low	-23.58	-68.87	72.64	-92.81	-174.51	24.54	3.64	9.01	27.5
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	54.42	48.37	52.5	50.37	55.71	53.98	71.43
High Price	- -	- -	59	58.9	65.07	60.57	58	62.13	78.01
Enterprise Value Average	-48	-141	195	-122	-405	101	47	86	190
Enterprise Value High	-48	-141	289	-12	-307	161	114	162	309
Enterprise Value Low	-48	-141	171	-224	-445	64	10	29	97

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	7	7	7	7	7	7	7	7	7
Diluted Weighted Avg Shares	7	7	7	7	7	7	7	7	7
Basic Weighted Avg Shares	7	7	7	7	7	7	7	7	7
Revenue per Share	8.81	10.11	11.09	12.44	13.07	14.58	14.87	15.78	18.63
EBITDA per Share	0.28	0.28	0.33	0.33	0.35	0.36	0.38	0.47	0.53
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.94	3.2	3.51	3.84	4.53	5.14	4.87	4.96	6.4
Basic EPS from Cont Ops	1.94	3.2	3.51	3.84	4.53	5.14	4.87	4.96	6.4
Diluted EPS, GAAP	1.94	3.2	3.49	3.83	4.51	5.13	4.86	4.95	6.38
Diluted EPS from Cont Ops	1.94	3.2	3.49	3.83	4.51	5.13	4.86	4.95	6.38
Dividend per Share	- -	0.14	0.19	0.24	0.28	0.28	0.32	0.36	0.54
Cash Flow per Share	2.79	3.61	3.74	1.75	8.55	6.39	5.6	5.55	6.71
Free Cash Flow per Basic Share	2.3	2.85	3.21	0.79	8.08	5.21	4.91	4.84	6.32
Cash & Equivalents per Share	56.17	63.77	66.29	129.12	198.33	124.33	122.21	118.74	32.62
Book Value per Share	25.45	27.76	35.44	37.83	41.22	46.63	50.52	54.68	60.7
Tangible Book Value per Share	24.7	26.65	35.4	38.78	40.74	36.79	42.2	46.13	54.46

Red River Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)