Red River Bancshares (RRBI) AI Stock Analysis

• Market Cap: $430.64M
• Dividend Yield: 0.71%
• Average Volume (3M): 16.33K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.75
• Revenue Growth: 7.81%
• EPS Growth: 26.91%
• Country: US
• Employees: 375
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.63
• Shares Outstanding: 6,576,609
• 10 Day Avg. Volume: 18,921
• 30 Day Avg. Volume: 16,331
• PEG Ratio: 5.89
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 2.38
• P/FCF Ratio: 11.15
• Enterprise Value/Market Cap: 0.83
• Enterprise Value/Revenue: 2.16
• Enterprise Value/Gross Profit: 3.03
• Enterprise Value/Ebitda: 6.61
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $73.00 ▲(2.53% Upside)

Red River Bancshares presents a strong financial position with consistent profitability and low financial risk, contributing significantly to its overall score. The stock's valuation suggests it may be undervalued, providing a potential opportunity for investors. Technical indicators are neutral, indicating no immediate momentum, but the overall outlook remains positive.

Positive Factors

Strong Profitability

The company's strong profitability, evidenced by robust margins and consistent revenue growth, indicates effective operational management and a solid market position, supporting long-term financial health.

Low Financial Risk

Minimal leverage reduces financial risk, enhancing the company's ability to withstand economic fluctuations and invest in growth opportunities, contributing to long-term stability.

Cash Generation

Strong cash generation relative to net income ensures the company can fund operations, pay dividends, and invest in growth without relying heavily on external financing.

Negative Factors

Decline in Free Cash Flow Growth

A decline in free cash flow growth could constrain future investments and shareholder returns if the trend continues, potentially impacting long-term financial flexibility.

Slight Revenue Growth Slowdown

A slowdown in revenue growth could signal challenges in market expansion or increased competition, potentially affecting future profitability and market share.

Unexpected Loan Paydowns

Unexpected loan paydowns can reduce interest income and impact revenue stability, potentially affecting the company's ability to maintain consistent growth in its loan portfolio.

Red River Bancshares Business Overview & Revenue Model

Company Description

Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to commercial and retail customers in Louisiana. The company provides various deposit products, including checking, saving, money market accounts, and time deposits. It also offers commercial real estate loans; one-to-four family mortgage loans and home equity lines of credit; construction and development loans; commercial and industrial loans; small business administration paycheck protection program loans; tax-exempt loans; consumer loans to individuals for personal, family, and household purposes, including secured and unsecured installment and term loans; home mortgage loans; and lines of credit and standby letters of credit. In addition, the company provides treasury management, private banking, and brokerage; investment advisory, financial planning, and a suite of retirement plans; debit and credit cards, direct deposits, cashier's checks, and wire transfer services; online banking services, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and banking services in person, through ATMs, drive-through facilities, night deposits, telephone, mail, mobile banking, and remote deposits. It operates a network of 27 banking centers throughout Louisiana and two combined loan and deposit production offices in Lafayette and New Orleans, Louisiana. The company was incorporated in 1998 and is headquartered in Alexandria, Louisiana.

How the Company Makes Money

Red River Bancshares generates revenue primarily through interest income from its loan portfolio, which includes commercial, consumer, and residential loans. The bank earns interest by lending money to borrowers and collecting interest payments over time. Additionally, the company earns non-interest income through various fees associated with deposit accounts, ATM services, and other banking transactions. The bank's focus on relationship banking allows it to build a loyal customer base, which contributes to a stable deposit base and a consistent flow of revenue. Significant partnerships and community involvement also help in enhancing its brand and attracting more customers, thereby positively impacting its earnings.

Red River Bancshares Financial Statement Overview

Summary

Red River Bancshares demonstrates strong financial health with consistent revenue and profit growth, efficient operations, and a solid balance sheet. The company is well-positioned in the regional banking sector, with minimal leverage and strong cash flow generation. Minor concerns include cost pressures and cash flow volatility.

Income Statement

Red River Bancshares demonstrates strong profitability with a consistent increase in revenue and net income over the years. The TTM data shows a healthy gross profit margin of 70.42% and a net profit margin of 23.77%. Revenue growth is steady, with a TTM growth rate of 1.61%. The EBIT and EBITDA margins are robust, indicating efficient operations. However, the slight decrease in gross profit margin over time suggests potential cost pressures.

Balance Sheet

The company maintains a strong balance sheet with a low debt-to-equity ratio of 0.0078 in the TTM period, indicating minimal leverage and financial risk. Return on equity is solid at 11.76%, reflecting effective use of equity capital. The equity ratio is healthy, suggesting a stable financial position. However, the slight increase in debt levels over time warrants monitoring.

Cash Flow

Cash flow analysis reveals a positive trend with a 6.2% growth in free cash flow in the TTM period. The operating cash flow to net income ratio is exceptionally high at 14.99, indicating strong cash generation relative to earnings. The free cash flow to net income ratio is also robust at 0.91. Despite these strengths, the historical volatility in free cash flow growth suggests potential fluctuations in cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	165.18M	156.78M	138.70M	112.46M	100.82M	99.49M
Gross Profit	118.01M	107.64M	105.83M	102.98M	93.30M	84.82M
EBITDA	54.02M	45.60M	45.69M	47.59M	42.61M	36.88M
Net Income	40.66M	34.23M	34.88M	36.92M	32.95M	28.14M
Balance Sheet
Total Assets	3.21B	3.15B	3.13B	3.08B	3.22B	2.64B
Cash, Cash Equivalents and Short-Term Investments	165.32M	286.82M	875.52M	892.80M	1.44B	945.41M
Total Debt	1.62M	2.86M	3.77M	4.26M	3.84M	4.23M
Total Liabilities	2.86B	2.83B	2.82B	2.82B	2.93B	2.36B
Stockholders Equity	351.31M	319.74M	303.85M	265.75M	298.15M	285.48M
Cash Flow
Free Cash Flow	34.62M	33.41M	35.20M	37.42M	58.84M	5.76M
Operating Cash Flow	38.27M	38.28M	40.11M	45.87M	62.26M	12.80M
Investing Cash Flow	-184.72M	-59.16M	-8.74M	-438.70M	-284.68M	-316.26M
Financing Cash Flow	74.86M	-15.57M	-4.34M	-113.64M	560.08M	617.37M

Red River Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 71.20
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RRBI, the sentiment is Positive. The current price of 71.2 is above the 20-day moving average (MA) of 67.73, above the 50-day MA of 66.30, and above the 200-day MA of 59.79, indicating a bullish trend. The MACD of 1.08 indicates Negative momentum. The RSI at 63.48 is Neutral, neither overbought nor oversold. The STOCH value of 69.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RRBI.

Red River Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FBIZ	78 Outperform	$424.95M	8.40	15.02%	2.13%	8.21%	29.65%
RRBI	76 Outperform	$430.64M	10.87	12.03%	0.71%	7.81%	26.91%
BSVN	75 Outperform	$397.89M	9.28	19.46%	2.35%	-6.72%	19.64%
HBCP	70 Outperform	$416.54M	9.47	10.86%	1.99%	6.25%	24.92%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COFS	67 Neutral	$433.48M	21.27	6.16%	3.53%	50.36%	-56.64%
CARE	60 Neutral	$381.22M	12.74	7.71%	―	6.62%	117.46%

Red River Bancshares Corporate Events

Red River Bancshares Reports Record Third Quarter Earnings

Red River Bancshares, Inc. is a Louisiana-based bank holding company that operates Red River Bank, providing comprehensive banking services across multiple regions in Louisiana.

Red River Bancshares to Present at September Conferences

Red River Bancshares announced its participation in various investor and analyst conferences scheduled for September 2025. The company’s executive management team will present a detailed investor presentation, which is accessible on their website. This engagement aims to strengthen investor relations and provide insights into the company’s financial performance and strategic direction.

The most recent analyst rating on (RRBI) stock is a Buy with a $67.00 price target. To see the full list of analyst forecasts on Red River Bancshares stock, see the RRBI Stock Forecast page.