Is RRBI or SBFG more undervalued in 2026?

CirclFi compares Red River Bancshares, Inc. (RRBI) and SB Financial Group, Inc. (SBFG) using 13 institutional-grade valuation models. RRBI has a Quality of Company score of 8.8/10 while SBFG scores 8.6/10.

Which is a better buy — RRBI or SBFG?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do RRBI and SBFG valuations compare?

RRBI at $92.44 and SBFG at $21.98 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RRBI vs SBFG Valuation Comparison 2026 — Intrinsic Value Analysis

RRBI

Banks - Regional

Red River Bancshares, Inc.

Quality

8.8

out of 10

Value Trap

SAFE

Price

$92.44

Last close

Models

12/13

Active

SBFG

Banks - Regional

SB Financial Group, Inc.

Quality

8.6

out of 10

Value Trap

SAFE

Price

$21.98

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	RRBI Fair Value	RRBI Upside	SBFG Fair Value	SBFG Upside
Bayesian DCF	Intrinsic	$61.65	-33.3%	$29.77	+35.4%
Earnings Power Value	Intrinsic	$84.27	-8.8%	$37.17	+69.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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RRBI vs SBFG — Which Stock Is More Undervalued?

RRBI scores higher with a 8.8/10 quality rating vs SBFG's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Red River Bancshares, Inc. (RRBI) and SB Financial Group, Inc. (SBFG) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

RRBI currently trades at $92.44 with a QOC of 8.8/10, while SBFG trades at $21.98 with a QOC of 8.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).