Red River Bancshares (RRBI) AI Stock Analysis

• Market Cap: $500.06M
• Dividend Yield: 0.73%
• Average Volume (3M): 16.33K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.69
• 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: 6,756,609
• 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: 0.71
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $85.00 ▲(14.31% Upside)

Red River Bancshares is well-positioned with strong financial performance and positive technical indicators. The share repurchase program further boosts confidence in the stock. However, the valuation is fair, and technical indicators suggest caution as the stock approaches overbought levels.

Positive Factors

Strong Financial Performance

The company's robust financial health, marked by consistent revenue growth and high profitability margins, indicates a solid foundation for long-term stability and growth.

Low Leverage

Minimal leverage reduces financial risk and enhances the company's ability to navigate economic fluctuations, supporting sustainable operations.

Share Repurchase Program

The expanded share repurchase program reflects management's confidence in the company's financial position and aims to enhance shareholder value over the long term.

Negative Factors

Decline in Free Cash Flow Growth

A decline in free cash flow growth could impact the company's ability to invest in growth opportunities and maintain financial flexibility if the trend continues.

Slower Revenue Growth

Slower revenue growth may signal challenges in expanding market share or increasing sales, potentially affecting long-term competitive positioning.

Modest Dividend Yield

A modest dividend yield may limit the attractiveness of the stock to income-focused investors, potentially impacting demand and shareholder returns.

Red River Bancshares Business Overview & Revenue Model

Company Description

Red River Bancshares, Inc. (RRBI) is a financial holding company based in Louisiana that operates primarily through its wholly-owned subsidiary, Red River Bank. The company provides a range of banking services, including personal and commercial banking, mortgage lending, and treasury management solutions. Red River Bancshares is dedicated to serving its local communities and focuses on building strong relationships with its customers by offering tailored financial products designed to meet their needs.

How the Company Makes Money

Red River Bancshares generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. Key revenue streams include interest from commercial and consumer loans, mortgage loans, and investment securities. Additionally, the company earns fees from services such as account maintenance, transaction processing, and wealth management. Strategic partnerships with local businesses and community organizations also enhance customer acquisition and retention, contributing to overall earnings. The bank's focus on community lending and personalized service helps drive customer loyalty, which is essential for sustainable revenue growth.

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: 74.36
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 74.36 is above the 20-day moving average (MA) of 72.27, above the 50-day MA of 68.62, and above the 200-day MA of 60.97, indicating a bullish trend. The MACD of 1.79 indicates Positive momentum. The RSI at 61.31 is Neutral, neither overbought nor oversold. The STOCH value of 38.38 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
RRBI	78 Outperform	$500.06M	12.29	12.03%	0.73%	7.81%	26.91%
FBIZ	76 Outperform	$464.16M	9.17	15.02%	2.08%	8.21%	29.65%
CARE	75 Outperform	$437.77M	14.63	7.71%	―	6.62%	117.46%
BSVN	75 Outperform	$396.48M	9.24	19.46%	2.40%	-6.72%	19.64%
HBCP	75 Outperform	$465.62M	10.58	10.86%	1.92%	6.25%	24.92%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COFS	67 Neutral	$460.33M	22.49	6.16%	3.69%	50.36%	-56.64%

Red River Bancshares Corporate Events

Red River Bancshares Expands 2026 Share Repurchase Program

On December 18, 2025, Red River Bancshares, Inc. announced that its board of directors had approved the renewal and expansion of its stock repurchase program, authorizing the company to buy back up to $10 million of its common shares between January 1 and December 31, 2026. The move, positioned by management as a capital management tool to maximize shareholder value, allows Red River to repurchase shares in the open market or through privately negotiated transactions, signaling confidence in the company’s financial position and providing a mechanism to enhance returns for existing shareholders.