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Red River BancsharesRRBI +2.32%63 EV-to-FCF is 10.23 as of Jul. 27, 2026, which is 205% above its 10-year median of 3.35. GuruFocus rates RRBI with a GF Score™ of 63/100 and a GF Value™ of $67.33 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,197 Banks companies, Red River Bancshares ranks worse than 61.07% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Red River Bancshares's Enterprise Value is $445.3 Mil.
Red River Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $43.5 Mil. Therefore, Red River Bancshares's EV-to-FCF for today is 10.23.
The historical rank and industry rank for Red River Bancshares's EV-to-FCF or its related term are showing as below:
RRBI'
s EV-to-FCF Range Over the Past 10 Years
Min: -17.42 Med: 3.35 Max: 14.35
Current: 10.23
During the past 9 years, the highest EV-to-FCF of Red River Bancshares was 14.35. The lowest was -17.42. And the median was 3.35.
RRBI's EV-to-FCF is ranked worse than 61.07% of 1197
companies
in the Banks industry
Industry Median: 6.85
vs RRBI: 10.23
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Red River Bancshares (NAS:RRBI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Red River Bancshares's PE Ratio (TTM) for today is calculated as:
Red River Bancshares's share price for today is $99.38.
Red River Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.680.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Red River Bancshares EV-to-FCF Related Terms
Red River Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Red River Bancshares's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Red River Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Red River Bancshares EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Red River Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Red River Bancshares's EV-to-FCF falls into.
Red River Bancshares's current Enterprise Value is $445.3 Mil.
Red River Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $43.5 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Red River Bancshares (RRBI) has a EV-to-FCF of 10.23 as of Jul. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Red River Bancshares and its competitors. This is 205% above median its historical median of 3.35. According to the industry distribution chart, Red River Bancshares ranks #731 out of 1197 companies in the Banks industry, placing it in the top 61.1%.
Is Red River Bancshares' EV-to-FCF too high?
Red River Bancshares' current EV-to-FCF of 10.23 is 205% above median its 10-year median of 3.35. The Banks industry median EV-to-FCF is 6.85. Red River Bancshares' value of 10.23 is 49.3% above this industry median. Based on the distribution chart, Red River Bancshares ranks #731 out of 1197 companies in the Banks industry, which is below the industry midpoint. Overall, Red River Bancshares has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Red River Bancshares' EV-to-FCF compare to BHB and AROW?
According to the Banks industry distribution chart, Red River Bancshares ranks #731 out of 1197 companies for EV-to-FCF. This places Red River Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.85. Red River Bancshares' value of 10.23 is 49.3% above this benchmark. While the company's 10-year median is 3.35 vs. the industry median of 6.85, Red River Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.85, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Red River Bancshares's current EV-to-FCF of 10.23 is 49.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Red River Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Red River Bancshares's current EV-to-FCF is 10.23, which is 205% above median its own 10-year median of 3.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Red River Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Red River Bancshares (RRBI) is currently considered Significantly Overvalued. The stock's GF Value™ is $67.33, compared to a current price of $99.38 — trading 47.6% above its estimated fair value. The current EV-to-FCF is 10.23, which is 205% above median its 10-year median of 3.35 and 49.3% above the Banks industry median of 6.85. Red River Bancshares' overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Red River Bancshares (RRBI), the current EV-to-FCF is 10.23 as of Jul. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Red River Bancshares (RRBI) Overvalued in 2026?
Based on GuruFocus' analysis, Red River Bancshares stock appears to be overvalued.
The current stock price of $99.38 is trading 47.6% above its estimated GF Value™ of $67.33.
GuruFocus considers Red River Bancshares to be Significantly Overvalued.
Key valuation signals for RRBI:
EV-to-FCF: 10.23 (205% above median its 10-year median of 3.35)
GF Value™: $67.33 vs. price of $99.38 (47.6% above fair value)
Industry Position: 49.3% above the Banks median (#731 of 1197)
No single metric tells the full story. See the RRBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Red River Bancshares Inc is the bank holding company for the red river bank. The principal business of the Bank is lending and accepting deposits from businesses, professionals, individuals, and public entities. The bank's primary deposit products are demand deposits, savings deposits, and time deposits. The bank maintains a diversified loan portfolio with a focus on commercial real estate (Owner Occupied and Non-Owner Occupied), one-to-four-family residential, commercial, and industrial loans, construction and development Loans, and others. also, provides Treasury Management Services, Private Banking Services, Brokerage Services, and Other Banking Services.
63GF Score
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