Red River Bancshares (FRA:7RR) Moat Score: 4/10 (As of Jul. 06, 2026)


FRA:7RR Red River Bancshares Inc FRA:7RR
68 GF Score
Price €82.50
GF Value €59.88
! 5 Warning Signs
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What is Red River Bancshares Moat Score?

Red River Bancshares FRA:7RR 68 Moat Score is 4 as of Jul. 06, 2026. GuruFocus rates FRA:7RR with a GF Score™ of 68/100 and a GF Value™ of €59.88. The stock has 5 warning signs investors should review. Among 1,612 Banks companies, Red River Bancshares ranks better than 86.23% on this metric.

Red River Bancshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Red River Bancshares has Narrow Moat: Red River Bancshares Inc has a discernible moat with a stable regional market presence and customer loyalty. It benefits from some economies of scale but lacks significant brand strength or unique intellectual property. Regulatory barriers provide some protection.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Red River Bancshares might have Narrow Moat - Discernible but modest moat.

Red River Bancshares  (FRA:7RR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Red River Bancshares Moat Score Related Terms

FRA:7RR vs UNTY, CIVB, ACNB: Moat Score Comparison

For the Banks - Regional subindustry, Red River Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Red River Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Red River Bancshares's Moat Score falls into.


FRA:7RR
68GF Score
Red River Bancshares Inc FRA:7RR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Red River Bancshares (FRA:7RR) has a Moat Score of 4 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Red River Bancshares ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Red River Bancshares' Moat Score too high?
Red River Bancshares' current Moat Score is 4. Based on the distribution chart, Red River Bancshares ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Red River Bancshares has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Red River Bancshares' Moat Score compare to UNTY and CIVB?
According to the Banks industry distribution chart, Red River Bancshares ranks #222 out of 1612 companies for Moat Score. This places Red River Bancshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Red River Bancshares's current Moat Score is 4. 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?
Red River Bancshares (FRA:7RR) has a current Moat Score of 4. The stock's GF Value™ is €59.88, compared to a current price of €82.50 — trading 37.8% above its estimated fair value. The current Moat Score is 4. Red River Bancshares' overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Red River Bancshares (FRA:7RR), the current Moat Score is 4 as of Jul. 06, 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 (FRA:7RR) Overvalued in 2026?

Based on GuruFocus' analysis, Red River Bancshares stock appears to be overvalued. The current stock price of €82.50 is trading 37.8% above its estimated GF Value™ of €59.88.

Key valuation signals for FRA:7RR:

  • Moat Score: 4
  • GF Value™: €59.88 vs. price of €82.50 (37.8% above fair value)
  • GF Score™: 68/100 with 5 warning signs

No single metric tells the full story. See the FRA:7RR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Red River Bancshares Business Description

Other Exchanges RRBI:USA
Address 1412 Centre Court Drive, Suite 501, Alexandria, LA, USA, 71301
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.
68GF Score

Get the complete analysis for FRA:7RR

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€82.50
Price
€59.88
GF Value