M&T Bank (NYSE:MTB) & Red River Bancshares (NYSE:RRBI) Financial Comparison

M&T Bank (NYSE:MTB) and Red River Bancshares (NASDAQ:RRBI) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, dividends, profitability, analyst recommendations, institutional ownership, risk and valuation.

Valuation & Earnings

This table compares M&T Bank and Red River Bancshares’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
M&T Bank $6.45 billion 3.50 $1.92 billion $12.86 12.87
Red River Bancshares N/A N/A N/A N/A N/A

M&T Bank has higher revenue and earnings than Red River Bancshares.

Analyst Recommendations

This is a summary of recent ratings and target prices for M&T Bank and Red River Bancshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
M&T Bank 0 6 8 0 2.57
Red River Bancshares 0 1 1 0 2.50

M&T Bank currently has a consensus target price of $178.91, suggesting a potential upside of 8.13%. Red River Bancshares has a consensus target price of $57.00, suggesting a potential upside of 19.37%. Given Red River Bancshares’ higher possible upside, analysts plainly believe Red River Bancshares is more favorable than M&T Bank.

Dividends

M&T Bank pays an annual dividend of $4.00 per share and has a dividend yield of 2.4%. Red River Bancshares does not pay a dividend. M&T Bank pays out 31.1% of its earnings in the form of a dividend. M&T Bank has raised its dividend for 2 consecutive years.

Profitability

This table compares M&T Bank and Red River Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
M&T Bank 30.84% 14.46% 1.74%
Red River Bancshares N/A N/A N/A

Institutional and Insider Ownership

81.6% of M&T Bank shares are owned by institutional investors. 0.5% of M&T Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

M&T Bank beats Red River Bancshares on 10 of the 12 factors compared between the two stocks.

M&T Bank Company Profile

M&T Bank Corporation operates as the holding company for Manufacturers and Traders Trust Company; and Wilmington Trust, National Association that provide banking services. The company's Business Banking segment offers deposits, business loans and leases, and credit cards; and cash management, payroll, and letters of credit services to small businesses and professionals. Its Commercial Banking segment provides credit and banking services for middle-market and large commercial customers. The company's Commercial Real Estate segment offers multifamily residential and commercial real estate credit, and deposit services. Its Discretionary Portfolio segment provides deposits; securities, residential real estate loans, and other assets; and short and long term borrowed funds, as well as foreign exchange services. The company's Residential Mortgage Banking segment offers residential real estate loans for consumers and sells those loans in the secondary market; and purchases servicing rights to loans originated by other entities. Its Retail Banking segment offers demand, savings, and time accounts; consumer installment loans, automobile and recreational finance loans, home equity loans and lines of credit, and credit cards; demand, savings; and time accounts; mutual funds and annuities; and other services. The company also provides trust and wealth management; fiduciary and custodial; investment management; and insurance agency services. It offers its services through banking offices, business banking centers, telephone and Internet banking, mobile banking, and automated teller machines. As of December 31, 2018, the company had 750 domestic banking offices in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, and the District of Columbia; a full-service commercial banking office in Ontario, and Canada; and an office in George Town, Cayman Islands. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.

Red River Bancshares Company Profile

Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to businesses, professionals, individuals, and public entities in Louisiana. It provides consumer checking accounts, money market accounts, and time deposits; real estate loans, commercial loans, treasury management services; and private banking services, residential mortgage lending, and investment services. The company operates a network of 23 banking centers, as well as 1 loan production office in Covington, Louisiana. Red River Bancshares, Inc. was founded in 1998 and is headquartered in Alexandria, Louisiana.

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