Head-To-Head Contrast: Red River Bancshares (NASDAQ:RRBI) versus Flushing Financial (NASDAQ:FFIC)

Flushing Financial (NASDAQ:FFIC) and Red River Bancshares (NASDAQ:RRBI) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, earnings, risk, analyst recommendations, profitability, dividends and valuation.

Volatility & Risk

Flushing Financial has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500. Comparatively, Red River Bancshares has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500.

Insider & Institutional Ownership

67.1% of Flushing Financial shares are owned by institutional investors. Comparatively, 27.6% of Red River Bancshares shares are owned by institutional investors. 6.3% of Flushing Financial shares are owned by company insiders. Comparatively, 16.4% of Red River Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends

Flushing Financial pays an annual dividend of $0.88 per share and has a dividend yield of 6.4%. Red River Bancshares pays an annual dividend of $0.36 per share and has a dividend yield of 0.7%. Flushing Financial pays out 88.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Red River Bancshares pays out 7.7% of its earnings in the form of a dividend.

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flushing Financial	0	3	1	0	2.25
Red River Bancshares	0	0	1	0	3.00

Flushing Financial currently has a consensus price target of $15.50, indicating a potential upside of 13.06%. Red River Bancshares has a consensus price target of $55.00, indicating a potential upside of 6.18%. Given Flushing Financial’s higher probable upside, research analysts plainly believe Flushing Financial is more favorable than Red River Bancshares.

Profitability

This table compares Flushing Financial and Red River Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Flushing Financial	5.84%	3.96%	0.31%
Red River Bancshares	21.56%	10.90%	1.06%

Valuation & Earnings

This table compares Flushing Financial and Red River Bancshares’ gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flushing Financial	$193.70 million	2.06	$28.66 million	$1.00	13.71
Red River Bancshares	$149.60 million	2.39	$34.88 million	$4.69	11.04

Red River Bancshares has lower revenue, but higher earnings than Flushing Financial. Red River Bancshares is trading at a lower price-to-earnings ratio than Flushing Financial, indicating that it is currently the more affordable of the two stocks.

Summary

Red River Bancshares beats Flushing Financial on 9 of the 15 factors compared between the two stocks.

About Flushing Financial

Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company also provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties, New York; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.

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.