IBCP vs RRBI: stock comparison and AI forecast
Independent Bank Corp /Mi/ (IBCP) and Red River Bancshares Inc (RRBI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
IBCP Independent Bank Corp /Mi/
- Price
- $37.25 +10.2% · 6M
- Market Cap
- $806M
- P/E Ratio
- 10.9x
- Size
- small-cap
- AI Forecast
RRBI Red River Bancshares Inc
- Price
- $107.68 +16.9% · 6M
- Market Cap
- $688M
- P/E Ratio
- 15.1x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- IBCP is 1.2 times larger than RRBI by market capitalization ($806M against $688M).
- IBCP trades at 10.9 times trailing earnings, RRBI at 15.1 times.
- Over the last six months RRBI returned +16.9% and IBCP +10.2%.
- IBCP turns 29.8% of its revenue into net income, against 29.5% for RRBI.
- IBCP carries 9.85 times debt per unit of equity, against 7.61 times for RRBI.
- IBCP yields 2.87% in dividends and RRBI 0.77%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | IBCP | RRBI |
|---|---|---|
| Market Cap | $806M | $688M |
| P/E Ratio | 10.94x | 15.06x |
| P/B Ratio | 1.40x | 1.79x |
| Dividend Yield | 2.87% | 0.77% |
| EPS | $3.32 | $6.94 |
| Book Value/Share | $26.01 | $58.41 |
| Revenue/Share | $10.89 | $23.67 |
| FCF/Share | $1.42 | $7.76 |
Profitability & Margins
| Metric | IBCP | RRBI |
|---|---|---|
| ROE | 12.5% | 11.9% |
| ROA | 1.1% | 1.4% |
| Net Margin | 29.8% | 29.5% |
| EBT Margin | 35.1% | 36.7% |
| Tax Rate | 14.9% | 19.6% |
Financial Health
| Metric | IBCP | RRBI |
|---|---|---|
| D/E Ratio | 9.85x | 7.61x |
| Financial Leverage | 10.85x | 8.61x |
Cash Flow
| Metric | IBCP | RRBI |
|---|---|---|
| Operating Cash Flow | $44M | $56M |
| Free Cash Flow | $31M | $51M |
| Capital Spending | -$13M | -$5M |
| OCF Growth YoY | -48.3% | 43.7% |
| FCF Growth YoY | -58.7% | 42.8% |
| FCF/Sales | 13.0% | 32.8% |
| CapEx/Sales | 5.2% | 3.3% |
Operational Efficiency
| Metric | IBCP | RRBI |
|---|---|---|
| Asset Turnover | 0.04x | 0.05x |
| Fixed Assets Turnover | 4.2x | 2.6x |
Income Statement
| Metric | IBCP | RRBI |
|---|---|---|
| Total Revenue | $242M | $156M |
| Net Income | $72M | $46M |
Dividend & Shareholder Information
| Metric | IBCP | RRBI |
|---|---|---|
| Dividends Per Share | $1.04 | $0.80 |
| Payout Ratio | 31.3% | 11.5% |
| Shares Outstanding | 22M | 7M |
| Net Income Growth | 5.4% | 19.0% |
| EPS Growth | 1.2% | 22.6% |
IBCP vs RRBI: stock comparison and AI forecast
Which is bigger, IBCP or RRBI?
IBCP is 1.2 times larger than RRBI by market capitalization ($806M against $688M).
Which is cheaper on earnings, IBCP or RRBI?
IBCP trades at 10.9 times trailing earnings, RRBI at 15.1 times.
Which stock performed better over the last six months, IBCP or RRBI?
Over the last six months RRBI returned +16.9% and IBCP +10.2%.
Which one does Intratio's AI model rank higher, IBCP or RRBI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.