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

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

Insider and Institutional 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, endowments and large money managers believe a company is poised for long-term growth.

Profitability

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

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

Risk & Volatility

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

Analyst Recommendations

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

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

Red River Bancshares currently has a consensus price target of $67.00, indicating a potential downside of 7.25%. Given Red River Bancshares’ stronger consensus rating and higher possible upside, equities research analysts clearly believe Red River Bancshares is more favorable than California International Bank, N.A..

Valuation & Earnings

This table compares Red River Bancshares and California International Bank, N.A.”s revenue, earnings per share (EPS) and valuation.

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

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 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.

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.