DDM Analysis: RRBI

Valuation Snapshot

Stable Growth	$146.38 - $410.82	$227.67
Multi-Stage	$108.27 - $118.54	$113.31
Blended Fair Value	$170.49
Current Price	$64.82
Upside	163.02%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	13.37%	0.00%	0.37	0.34	0.30	0.30	0.26	0.20	0.15	0.00	0.00	0.00
YoY Growth	-	-	8.48%	13.82%	-1.08%	15.58%	32.65%	31.42%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	0.71%	0.70%	0.62%	0.57%	0.46%	0.53%	0.30%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	40.66
(-) Cash Dividends Paid (M)	3.21
(=) Cash Retained (M)	37.44

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	8.13	5.08	3.05
Cash Retained (M)	37.44	37.44	37.44
(-) Cash Required (M)	-8.13	-5.08	-3.05
(=) Excess Retained (M)	29.31	32.36	34.39
(/) Shares Outstanding (M)	6.75	6.75	6.75
(=) Excess Retained per Share	4.34	4.79	5.09
LTM Dividend per Share	0.48	0.48	0.48
(+) Excess Retained per Share	4.34	4.79	5.09
(=) Adjusted Dividend	4.81	5.27	5.57
WACC / Discount Rate	8.25%	8.25%	8.25%
Growth Rate	4.80%	5.80%	6.80%
Fair Value	$146.38	$227.67	$410.82
Upside / Downside	125.82%	251.24%	533.79%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	40.66	43.01	45.51	48.15	50.94	53.90	55.51
Payout Ratio	7.90%	24.32%	40.74%	57.16%	73.58%	90.00%	92.50%
Projected Dividends (M)	3.21	10.46	18.54	27.52	37.48	48.51	51.35

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.25%	8.25%	8.25%
Growth Rate	4.80%	5.80%	6.80%
Year 1 PV (M)	9.57	9.66	9.75
Year 2 PV (M)	15.52	15.82	16.12
Year 3 PV (M)	21.09	21.70	22.32
Year 4 PV (M)	26.28	27.30	28.35
Year 5 PV (M)	31.12	32.64	34.21
PV of Terminal Value (M)	627.74	658.27	689.97
Equity Value (M)	731.33	765.39	800.72
Shares Outstanding (M)	6.75	6.75	6.75
Fair Value	$108.27	$113.31	$118.54
Upside / Downside	67.03%	74.81%	82.88%

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Red River Bancshares, Inc. (RRBI)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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