Red River Bancshares, Inc. (RRBI): fair value, margin of safety and Wheel Score

Is RRBI undervalued?

RRBI closed at 107.68 on 5 Nov 2026 against a GLS average fair value of 108.90 - 1.1% below fair value, which our scans read as "fairly priced". 4 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.

There is a wide gap between DDM (13.24) and 10 Cap (195.43). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for RRBI, so the nightly engine files it under Blend (value score 46, growth score 50, out of 100). It also carries the Quality tag (Quality = moat 7.5+ out of 10 and Piotroski 7+).

Nine valuation models for RRBI

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Red River Bancshares, Inc. scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 7.9/10 puts RRBI among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.

Returns on capital are moderate - ROIC 11.7%, ROE 11.7%, ROA 1.3% - with debt at 0.00 times equity and a free-cash-flow yield of 7.2%.

The dividend yield is 0.84% with a payout ratio of 11% - a small yield that leaves most of the earnings in the business.

Institutional ownership scores 6/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 25: No options

No options are listed on Red River Bancshares, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 25, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 90k shares a day on a market cap of $709M, with a beta of 0.41 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 29 Jan 2027, 85 days away - outside the window of a 30-45-day put sold today.

No analyst upgrades or downgrades were recorded in the last 30 days.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Red River Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

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