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Red River Bancshares (RRBI)
:RRBI

Red River Bancshares (RRBI) AI Stock Analysis

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Red River Bancshares

(NASDAQ:RRBI)

64Neutral
Red River Bancshares demonstrates strong financial fundamentals, highlighted by profitability and a solid equity base. The absence of 2024 revenue data is a significant concern, impacting its overall score. Technical analysis indicates a negative trend, but valuation metrics suggest the stock is fairly priced. The lack of earnings call and corporate events information means these factors do not influence the score.

Red River Bancshares (RRBI) vs. S&P 500 (SPY)

Red River Bancshares Business Overview & Revenue Model

Company DescriptionRed River Bancshares, Inc. is a financial holding company headquartered in Alexandria, Louisiana. It operates through its subsidiary, Red River Bank, which provides a wide range of banking products and services to commercial and retail customers. The company primarily serves the central, northwest, and southeast regions of Louisiana. Its core offerings include personal and business banking, mortgage and loan services, as well as wealth management solutions.
How the Company Makes MoneyRed River Bancshares makes money primarily through traditional banking activities. Key revenue streams include interest income from loans and mortgages, which is the largest contributor to its earnings. The company also generates non-interest income from service charges on deposit accounts, fees from loan and mortgage origination, and revenue from wealth management and investment services. Additionally, Red River Bank earns from interest on securities investments. The bank's earnings are further influenced by its strategic focus on expanding its deposit base and maintaining a strong loan portfolio, which supports sustained interest income.

Red River Bancshares Financial Statement Overview

Summary
Red River Bancshares exhibits strong financial health with robust profitability and low leverage. While the balance sheet and cash flows are generally positive, the unusual absence of revenue data in 2024 is a significant concern. Despite this, historical performance indicates a well-managed financial position, conducive to navigating future challenges.
Income Statement
65
Positive
The company demonstrated consistent revenue growth from 2019 to 2023, although revenue declined in 2024. Gross and net profit margins remain strong, indicating a profitable operation. However, the lack of revenue in 2024 signals a potential data issue or operational challenge, impacting the score.
Balance Sheet
75
Positive
The company maintains a solid equity base, with a zero debt level in 2024, reflecting strong financial health and low leverage risk. The equity ratio is stable, suggesting significant shareholder investment relative to assets, a positive sign for long-term stability.
Cash Flow
70
Positive
Operating cash flow has remained positive, supporting business operations and investment. The free cash flow has experienced variability, yet remains positive, which is crucial for maintaining liquidity and funding growth. However, the absence of cash flow data for 2024 raises concerns about future cash generation.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
108.84M106.82M104.73M95.20M91.11M
Gross Profit
108.84M106.82M94.69M86.82M82.73M
EBIT
-93.54M52.25M52.18M40.06M34.47M
EBITDA
0.0045.69M47.59M42.61M36.88M
Net Income Common Stockholders
34.23M34.88M36.92M32.95M28.14M
Balance SheetCash, Cash Equivalents and Short-Term Investments
213.23M305.43M892.80M1.44B945.41M
Total Assets
3.01B3.13B3.08B3.22B2.64B
Total Debt
2.86M3.77M4.26M3.84M4.23M
Net Debt
-210.96M-301.66M-274.13M-781.02M-442.97M
Total Liabilities
2.83B2.82B2.82B2.93B2.36B
Stockholders Equity
1.25B303.85M265.75M298.15M285.48M
Cash FlowFree Cash Flow
40.11M35.20M37.42M58.84M5.76M
Operating Cash Flow
40.11M40.11M45.87M62.26M12.80M
Investing Cash Flow
-8.74M-8.74M-438.70M-284.68M-316.26M
Financing Cash Flow
-15.57M-4.34M-113.64M560.08M617.37M

Red River Bancshares Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price51.48
Price Trends
50DMA
52.74
Negative
100DMA
54.17
Negative
200DMA
53.32
Negative
Market Momentum
MACD
-0.52
Negative
RSI
52.39
Neutral
STOCH
67.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RRBI, the sentiment is Neutral. The current price of 51.48 is above the 20-day moving average (MA) of 50.24, below the 50-day MA of 52.74, and below the 200-day MA of 53.32, indicating a neutral trend. The MACD of -0.52 indicates Negative momentum. The RSI at 52.39 is Neutral, neither overbought nor oversold. The STOCH value of 67.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for RRBI.

Red River Bancshares Risk Analysis

Red River Bancshares disclosed 47 risk factors in its most recent earnings report. Red River Bancshares reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Red River Bancshares Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$404.17M10.559.85%2.08%9.82%0.91%
75
Outperform
$341.84M7.6822.26%2.57%1.20%46.86%
72
Outperform
$349.12M9.009.81%1.73%18.63%37.17%
64
Neutral
$340.17M10.4010.98%0.76%12.88%2.03%
63
Neutral
$354.13M12.737.22%13.73%111.78%
63
Neutral
$12.32B9.527.97%79.23%12.77%-4.57%
54
Neutral
$355.48M12.51-1.83%7.38%3.95%-135.44%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
RRBI
Red River Bancshares
50.19
3.33
7.11%
HBCP
Home Bancorp
49.42
14.42
41.20%
MSBI
Midland States Bancrop
16.61
-4.55
-21.50%
FRBA
First Bank
13.89
1.95
16.33%
CARE
Carter Bankshares
15.31
3.20
26.42%
BSVN
Bank7
36.20
9.43
35.23%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.