ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Red River Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was €41.4 Mil.
Red River Bancshares's average Total Assets over the quarter that ended in Mar. 2026 was €2,878.2 Mil. Therefore, Red River Bancshares's annualized ROA % for the quarter that ended in Mar. 2026 was 1.44%.
The historical rank and industry rank for Red River Bancshares's ROA % or its related term are showing as below:
FRA:7RR'
s ROA % Range Over the Past 10 Years
Min: 0.81 Med: 1.17 Max: 1.36
Current: 1.36
During the past 9 years, Red River Bancshares's highest ROA % was 1.36%. The lowest was 0.81%. And the median was 1.17%.
FRA:7RR's ROA % is ranked better than 72.73% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FRA:7RR: 1.36
Red River Bancshares (FRA:7RR) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Red River Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where Red River Bancshares's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Red River Bancshares (FRA:7RR) has a ROA % of 1.44% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Red River Bancshares and its competitors. This is 23% above median its historical median of 1.17. Over the past decade, Red River Bancshares' ROA % has ranged from 0.81 to 1.36. According to the industry distribution chart, Red River Bancshares ranks #417 out of 1529 companies in the Banks industry, placing it in the top 27.3%.
Is Red River Bancshares' ROA % too high?
Red River Bancshares' current ROA % of 1.44% is 23% above median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 1.36. The Banks industry median ROA % is 0.98. Red River Bancshares' value of 1.44% is 46.9% above this industry median. Based on the distribution chart, Red River Bancshares ranks #417 out of 1529 companies in the Banks industry, which is above the industry midpoint. 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' ROA % compare to PFIS and NFBK?
According to the Banks industry distribution chart, Red River Bancshares ranks #417 out of 1529 companies for ROA %. This puts Red River Bancshares in the upper half of its industry. The industry median ROA % is 0.98. Red River Bancshares' value of 1.44% is 46.9% above this benchmark. Historically, Red River Bancshares' own ROA % has ranged from 0.81 to 1.36 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Red River Bancshares's current ROA % of 1.44% is 46.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Red River Bancshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Red River Bancshares's current ROA % is 1.44%, which is 23% above median its own 10-year median of 1.17. 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 ROA % of 1.44%. The stock's GF Value™ is €58.96, compared to a current price of €78.50 — trading 33.1% above its estimated fair value. The current ROA % is 1.44%, which is 23% above median its 10-year median of 1.17 and 46.9% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Red River Bancshares (FRA:7RR), the current ROA % is 1.44% 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 €78.50 is trading 33.1% above its estimated GF Value™ of €58.96.
Key valuation signals for FRA:7RR:
ROA %: 1.44% (23% above median its 10-year median of 1.17)
GF Value™: €58.96 vs. price of €78.50 (33.1% above fair value)
Industry Position: 46.9% above the Banks median (#417 of 1529)
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.
68GF Score
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