Red River Bancshares Inc (RRBI)
NASDAQ:RRBI
Want to see RRBI full AI Analyst Report?
Top Page
Red River Bancshares
(NASDAQ:RRBI)
Select Model
Select Model
Rating:75Outperform
Price Target:
$102.00
▲(5.67% Upside)
Action:Reiterated
Date:05/29/26
RRBI scores well primarily due to strong financial performance, led by an exceptionally low-leverage balance sheet and solid profitability. The overall score is moderated by mixed technical momentum (slightly negative MACD and only neutral RSI) and only moderate valuation support given the modest dividend yield.
Positive Factors
Balance Sheet Strength
Extremely low leverage and rising equity provide durable capital resilience, lowering default and funding risk. Consistently double-digit ROE and a conservative funding profile enhance capacity to absorb credit shocks, support lending through cycles, and preserve strategic optionality over months.
Negative Factors
Margin Compression
Erosion of operating and net margins versus prior peak years suggests pressure on interest spreads or rising operating costs. Persistent margin compression would reduce return on assets and shareholder returns, limiting the bank’s ability to fund growth or absorb higher provisions without strategic offsetting actions.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Extremely low leverage and rising equity provide durable capital resilience, lowering default and funding risk. Consistently double-digit ROE and a conservative funding profile enhance capacity to absorb credit shocks, support lending through cycles, and preserve strategic optionality over months.
Read all positive factors
Red River Bancshares (RRBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$600.79M
Dividend Yield0.73%
Average Volume (3M)16.33K
Price to Earnings (P/E)13.5
Beta (1Y)0.66
Revenue Growth7.26%
EPS Growth25.66%
CountryUS
Employees375
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.70
Shares Outstanding6,584,696
10 Day Avg. Volume18,921
30 Day Avg. Volume16,331
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)1.31
Price to Sales (P/S)2.81
P/FCF Ratio11.30
Enterprise Value/Market Cap0.94
Enterprise Value/Revenue3.28
Enterprise Value/Gross Profit4.50
Enterprise Value/Ebitda9.88
Forecast
1Y Price Target
$94.00Price Target Upside-2.62% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)7.19
Revenue Forecast (FY)$136.28M
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...
How the Company Makes Money
RRBI generates earnings primarily through its banking subsidiary by (1) net interest income and (2) noninterest income, offset by operating expenses and credit costs. Net interest income is the largest driver for most banks and comes from interest...
Red River Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
90
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 171.72M | 169.85M | 156.78M | 138.70M | 112.46M | 100.82M |
| Gross Profit | 125.25M | 123.22M | 107.64M | 105.83M | 102.98M | 93.30M |
| EBITDA | 57.01M | 53.13M | 45.60M | 45.69M | 47.59M | 42.61M |
| Net Income | 44.38M | 42.76M | 34.23M | 34.88M | 36.92M | 32.95M |
Balance Sheet | ||||||
| Total Assets | 3.35B | 3.35B | 3.15B | 3.13B | 3.08B | 3.22B |
| Cash, Cash Equivalents and Short-Term Investments | 675.41M | 217.83M | 286.82M | 875.52M | 892.80M | 1.44B |
| Total Debt | 1.47M | 1.54M | 2.86M | 3.77M | 4.26M | 3.84M |
| Total Liabilities | 2.97B | 2.99B | 2.83B | 2.82B | 2.82B | 2.93B |
| Stockholders Equity | 373.33M | 365.15M | 319.74M | 303.85M | 265.75M | 298.15M |
Cash Flow | ||||||
| Free Cash Flow | 43.53M | 42.21M | 33.41M | 35.20M | 37.42M | 58.84M |
| Operating Cash Flow | 47.80M | 44.79M | 38.28M | 40.11M | 45.87M | 62.26M |
| Investing Cash Flow | -194.22M | -244.04M | -59.16M | -8.74M | -438.70M | -284.68M |
| Financing Cash Flow | 104.78M | 143.66M | -15.57M | -4.34M | -113.64M | 560.08M |
Red River Bancshares Technical Analysis
Positive
96.53
Price Trends
91.66
Negative
87.98
Positive
77.51
Positive
Market Momentum
-0.12
Negative
48.84
Neutral
65.77
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 96.53 is above the 20-day moving average (MA) of 90.23, above the 50-day MA of 91.66, and above the 200-day MA of 77.51, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 48.84 is Neutral, neither overbought nor oversold. The STOCH value of 65.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $629.55M | 5.72 | 24.82% | ― | 30.36% | 306.20% | |
78 Outperform | $480.16M | 9.15 | 14.12% | 2.08% | 5.94% | 10.27% | |
78 Outperform | $420.94M | 9.38 | 18.18% | 2.40% | 0.80% | -1.33% | |
75 Outperform | $600.79M | 13.52 | 12.46% | 0.73% | 7.26% | 25.66% | |
75 Outperform | $508.20M | 10.78 | 10.86% | 1.92% | 3.07% | 25.18% | |
74 Outperform | $473.21M | 8.51 | 12.28% | 3.69% | 59.56% | 203.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
RRBI
Red River Bancshares
91.24
35.29
63.06%
FBIZ
First Business Financial
57.42
10.45
22.25%
HBCP
Home Bancorp
64.80
15.86
32.40%
CARE
Carter Bankshares
28.33
11.81
71.52%
BSVN
Bank7
44.22
6.14
16.11%
COFS
ChoiceOne Financial Services
31.60
3.37
11.93%
Red River Bancshares Corporate Events
Business Operations and StrategyExecutive/Board Changes
Red River Bancshares Adds New Directors to Board
Positive
May 28, 2026
On May 7, 2026, Red River Bancshares marked the retirement of founding director Kirk D. Cooper from the boards of both the company and Red River Bank, closing more than 25 years of board service that began in 1998 for the holding company and 1999 ...
Business Operations and StrategyFinancial Disclosures
Red River Bancshares to Present at Gulf South Conference
Neutral
May 14, 2026
Red River Bancshares, Inc., a Louisiana-based commercial and retail bank with $3.35 billion in assets as of March 31, 2026, plans to participate in the 2026 Gulf South Bank Conference on May 18–19, 2026. During the event, its executive manag...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.