Red River BancsharesFRA:7RR 66 Return-on-Tangible-Equity is 13.11% as of Mar. 2026, which is 16% above its 10-year median of 11.35. GuruFocus rates FRA:7RR with a GF Score™ of 66/100 and a GF Value™ of €59.87. The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Red River Bancshares ranks better than 58.65% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Red River Bancshares's annualized net income for the quarter that ended in Mar. 2026 was €41.4 Mil. Red River Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €316.1 Mil. Therefore, Red River Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.11%.
The historical rank and industry rank for Red River Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
FRA:7RR'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.85 Med: 11.35 Max: 13.17
Current: 12.68
During the past 9 years, Red River Bancshares's highest Return-on-Tangible-Equity was 13.17%. The lowest was 7.85%. And the median was 11.35%.
FRA:7RR's Return-on-Tangible-Equity is ranked better than 58.65% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs FRA:7RR: 12.68
Red River Bancshares (FRA:7RR) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Red River Bancshares Return-on-Tangible-Equity Related Terms
Red River Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Red River Bancshares's Return-on-Tangible-Equity 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.
Red River Bancshares Return-on-Tangible-Equity Chart
FRA:7RR vs UNTY, CIVB, ACNB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Red River Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Red River Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Red River Bancshares's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.11% mean?
Red River Bancshares (FRA:7RR) has a Return-on-Tangible-Equity of 13.11% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Red River Bancshares and its competitors. This is 16% above median its historical median of 11.35. Over the past decade, Red River Bancshares' Return-on-Tangible-Equity has ranged from 7.85 to 13.17. According to the industry distribution chart, Red River Bancshares ranks #629 out of 1521 companies in the Banks industry, placing it in the top 41.4%.
Is Red River Bancshares' Return-on-Tangible-Equity too high?
Red River Bancshares' current Return-on-Tangible-Equity of 13.11% is 16% above median its 10-year median of 11.35. Over the past 10 years, this metric has ranged from a low of 7.85 to a high of 13.17. The Banks industry median Return-on-Tangible-Equity is 11.19. Red River Bancshares' value of 13.11% is 17.2% above this industry median. Based on the distribution chart, Red River Bancshares ranks #629 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Red River Bancshares has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Red River Bancshares' Return-on-Tangible-Equity compare to UNTY and CIVB?
According to the Banks industry distribution chart, Red River Bancshares ranks #629 out of 1521 companies for Return-on-Tangible-Equity. This puts Red River Bancshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Red River Bancshares' value of 13.11% is 17.2% above this benchmark. Historically, Red River Bancshares' own Return-on-Tangible-Equity has ranged from 7.85 to 13.17 over the past decade. While the company's 10-year median is 11.35 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Red River Bancshares's current Return-on-Tangible-Equity of 13.11% is 17.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Red River Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Red River Bancshares's current Return-on-Tangible-Equity is 13.11%, which is 16% above median its own 10-year median of 11.35. 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?
Red River Bancshares (FRA:7RR) has a current Return-on-Tangible-Equity of 13.11%. The stock's GF Value™ is €59.87, compared to a current price of €83.00 — trading 38.6% above its estimated fair value. The current Return-on-Tangible-Equity is 13.11%, which is 16% above median its 10-year median of 11.35 and 17.2% above the Banks industry median of 11.19. Red River Bancshares' overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Red River Bancshares (FRA:7RR), the current Return-on-Tangible-Equity is 13.11% as of Mar. 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 €83.00 is trading 38.6% above its estimated GF Value™ of €59.87.
Key valuation signals for FRA:7RR:
Return-on-Tangible-Equity: 13.11% (16% above median its 10-year median of 11.35)
GF Value™: €59.87 vs. price of €83.00 (38.6% above fair value)
Industry Position: 17.2% above the Banks median (#629 of 1521)
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 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.
66GF Score
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