Red River Bancshares (NASDAQ:RRBI) versus Bank of Santa Clarita (OTCMKTS:BSCA) Financial Survey

Red River Bancshares (NASDAQ:RRBI) and Bank of Santa Clarita (OTCMKTS:BSCA) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their earnings, profitability, valuation, risk, dividends, analyst recommendations and institutional ownership.

Insider & Institutional Ownership

27.6% of Red River Bancshares shares are owned by institutional investors. 16.6% of Red River Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares Red River Bancshares and Bank of Santa Clarita’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Red River Bancshares	25.74%	12.46%	1.36%
Bank of Santa Clarita	N/A	N/A	N/A

Valuation & Earnings

This table compares Red River Bancshares and Bank of Santa Clarita”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Red River Bancshares	$169.85 million	3.52	$42.76 million	$6.68	13.59
Bank of Santa Clarita	N/A	N/A	N/A	N/A	N/A

Red River Bancshares has higher revenue and earnings than Bank of Santa Clarita.

Analyst Recommendations

This is a summary of current recommendations and price targets for Red River Bancshares and Bank of Santa Clarita, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Red River Bancshares	0	3	1	0	2.25
Bank of Santa Clarita	0	0	0	0	0.00

Red River Bancshares currently has a consensus price target of $80.50, indicating a potential downside of 11.29%. Given Red River Bancshares’ stronger consensus rating and higher probable upside, equities analysts plainly believe Red River Bancshares is more favorable than Bank of Santa Clarita.

Summary

Red River Bancshares beats Bank of Santa Clarita on 9 of the 9 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 Bank of Santa Clarita

Bank of Santa Clarita engages in the provision of banking and financial services. It offers real estate, small business administration, commercial and consumer loans, consumer and business checking accounts, savings accounts, certificates of deposit, trade finance, and money transfers. The company was founded by Frank D. Di Tomaso on October 26, 2004 and is headquartered in Santa Clarita, CA.