Flushing Financial (NASDAQ:FFIC) & Red River Bancshares (NASDAQ:RRBI) Financial Review

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

Volatility & Risk

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

Valuation and Earnings

This table compares Red River Bancshares and Flushing Financial’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	$149.60 million	2.39	$34.88 million	$4.69	11.04
Flushing Financial	$193.70 million	2.06	$28.66 million	$1.00	13.71

Red River Bancshares has higher earnings, but lower revenue 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.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Red River Bancshares and Flushing Financial, as reported by MarketBeat.

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

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

Dividends

Red River Bancshares pays an annual dividend of $0.36 per share and has a dividend yield of 0.7%. Flushing Financial pays an annual dividend of $0.88 per share and has a dividend yield of 6.4%. Red River Bancshares pays out 7.7% of its earnings in the form of a dividend. 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.

Insider & Institutional Ownership

27.6% of Red River Bancshares shares are owned by institutional investors. Comparatively, 67.1% of Flushing Financial shares are owned by institutional investors. 16.4% of Red River Bancshares shares are owned by insiders. Comparatively, 6.3% of Flushing Financial 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 Flushing Financial’s net margins, return on equity and return on assets.

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

Summary

Red River Bancshares beats Flushing Financial on 9 of the 15 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 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.