Red River Bancshares (NASDAQ:RRBI) and California International Bank, N.A. (OTCMKTS:CAIB) Financial Analysis

California International Bank, N.A. (OTCMKTS:CAIB) and Red River Bancshares (NASDAQ:RRBI) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, risk, earnings, institutional ownership, dividends, valuation and profitability.

Institutional & Insider Ownership

27.6% of Red River Bancshares shares are held by institutional investors. 15.9% of Red River Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for California International Bank, N.A. and Red River Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California International Bank, N.A.	0	0	0	0	0.00
Red River Bancshares	0	1	2	0	2.67

Red River Bancshares has a consensus target price of $67.00, suggesting a potential downside of 7.25%. Given Red River Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe Red River Bancshares is more favorable than California International Bank, N.A..

Volatility and Risk

California International Bank, N.A. has a beta of -1.24, suggesting that its stock price is 224% less volatile than the S&P 500. Comparatively, Red River Bancshares has a beta of 0.52, suggesting that its stock price is 48% less volatile than the S&P 500.

Profitability

This table compares California International Bank, N.A. and Red River Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
California International Bank, N.A.	N/A	N/A	N/A
Red River Bancshares	24.44%	12.14%	1.28%

Earnings & Valuation

This table compares California International Bank, N.A. and Red River Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California International Bank, N.A.	$5.09 million	N/A	N/A	N/A	N/A
Red River Bancshares	$157.67 million	3.01	$34.24 million	$6.03	11.98

Red River Bancshares has higher revenue and earnings than California International Bank, N.A..

Summary

Red River Bancshares beats California International Bank, N.A. on 10 of the 10 factors compared between the two stocks.

About California International Bank, N.A.

California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was incorporated in 2006 and is headquartered in Westminster, California.

About Red River Bancshares

Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to commercial and retail customers in Louisiana. The company provides various deposit products, including checking, saving, money market accounts, and time deposits. It offers commercial real estate loans; one-to-four family mortgage loans and home equity lines of credit; construction and development loans; commercial and industrial loans; small business administration paycheck protection program loans; tax-exempt loans; consumer loans to individuals for personal, family, and household purposes, including secured and unsecured installment and term loans; home mortgage loans; and lines of credit and standby letters of credit. In addition, the company provides treasury management, private banking, and brokerage; investment advisory, financial planning, and a suite of retirement plans; debit and credit cards, direct deposits, cashier's checks, and wire transfer services; online banking services, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and banking services in person, through ATMs, drive-through facilities, night deposits, telephone, mail, mobile banking, and remote deposits. Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.