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DGICA vs RRBI

DGICA
Donegal Group Inc.
NEUTRAL
Price
$17.12
Market Cap
$633.5M
Sector
Financial Services
AI Confidence
80%
RRBI
Red River Bancshares, Inc.
BULLISH
Price
$96.53
Market Cap
$634.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
DGICA
7.85
RRBI
15.13
Forward P/E
DGICA
8.15
RRBI
13.0
P/B Ratio
DGICA
0.99
RRBI
1.74
P/S Ratio
DGICA
0.65
RRBI
5.15
EV/EBITDA
DGICA
5.91
RRBI
--

Profitability

Gross Margin
DGICA
10.17%
RRBI
0.0%
Operating Margin
DGICA
8.87%
RRBI
44.88%
Profit Margin
DGICA
8.11%
RRBI
34.71%
ROE
DGICA
13.38%
RRBI
12.49%
ROA
DGICA
2.62%
RRBI
1.32%

Growth

Revenue Growth
DGICA
-3.9%
RRBI
13.5%
Earnings Growth
DGICA
-33.3%
RRBI
27.2%

Financial Health

Debt/Equity
DGICA
0.05
RRBI
--
Current Ratio
DGICA
0.49
RRBI
--
Quick Ratio
DGICA
0.15
RRBI
--

Dividends

Dividend Yield
DGICA
4.26%
RRBI
0.69%
Payout Ratio
DGICA
33.03%
RRBI
8.46%

AI Verdict

DGICA NEUTRAL

DGICA shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 7.9
Undervalued vs Graham Number ($29.15)
Low debt with D/E ratio of 0.05
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Declining revenue (-3.9%)
RRBI BULLISH

RRBI exhibits a stable financial health profile with a Piotroski F-Score of 4/9 and a highly impressive earnings track record. While the current price of $96.53 is slightly above the Graham Number ($89.28), it trades at a significant discount to its growth-based intrinsic value of $188.21. The company demonstrates powerful momentum with 27.2% YoY earnings growth and a nearly flawless history of beating analyst estimates over the last 25 quarters. Despite a low current dividend yield, the extremely low payout ratio suggests substantial capacity for future capital returns.

Strengths
Exceptional earnings consistency with beats in 24 of the last 25 quarters
Strong growth trajectory with 27.2% YoY earnings growth and 13.5% revenue growth
Significant upside potential relative to growth-based intrinsic value ($188.21)
Risks
Regional bank sector exposure to interest rate volatility and credit risk
Piotroski F-Score of 4/9 indicates only 'stable' rather than 'strong' financial health
Low dividend yield (0.69%) may fail to attract income-focused institutional investors

Compare Another Pair

DGICA vs RRBI: Head-to-Head Comparison

This page compares Donegal Group Inc. (DGICA) and Red River Bancshares, Inc. (RRBI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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