Red River Bancshares (RRBI) AI Stock Analysis

• Market Cap: $591.29M
• Dividend Yield: 0.73%
• Average Volume (3M): 16.33K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.68
• Revenue Growth: 7.81%
• EPS Growth: 26.91%
• Country: US
• Employees: 375
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.73
• Shares Outstanding: 6,577,186
• 10 Day Avg. Volume: 18,921
• 30 Day Avg. Volume: 16,331
• PEG Ratio: 0.38
• Price to Book (P/B): 1.31
• Price to Sales (P/S): 2.81
• P/FCF Ratio: 11.14
• Enterprise Value/Market Cap: 0.96
• Enterprise Value/Revenue: 3.36
• Enterprise Value/Gross Profit: 4.63
• Enterprise Value/Ebitda: 10.17
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 7.12
• Revenue Forecast (FY): $132.04M

• Rating: 80 Outperform
• Price Target: $101.00 ▲(35.83% Upside)
• Action: Reiterated Date: 03/13/26
• Date: Action: Reiterated 03/13/26

The score is primarily driven by strong financial quality—high profitability and an exceptionally low-leverage balance sheet—tempered by slower revenue growth and some cash-flow variability. Technicals are supportive but neutral-to-moderate in momentum, valuation looks reasonable on earnings but with a low dividend yield, and the expanded buyback program adds a modest positive catalyst.

Positive Factors

High Profitability

Sustained high operating and net margins show the bank converts revenue into earnings efficiently. Margins near 25–31% provide a durable earnings buffer that supports reserve building, reinvestment in the franchise, and resilience to credit or interest-rate shocks over multiple quarters.

Negative Factors

Slow Revenue Growth

Subdued top-line growth (~2.3% TTM) constrains organic earnings expansion and increases reliance on margin gains or capital returns to boost per-share metrics. Over a multi-quarter horizon, limited revenue momentum can cap scalability and investor-return drivers absent strategic diversification.

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...

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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

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 lo...

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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 lo...

Red River Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	169.85M	156.78M	138.70M	112.46M	100.82M
Gross Profit	123.22M	107.64M	105.83M	102.98M	93.30M
EBITDA	53.13M	45.60M	45.69M	47.59M	42.61M
Net Income	42.76M	34.23M	34.88M	36.92M	32.95M
Balance Sheet
Total Assets	3.35B	3.15B	3.13B	3.08B	3.22B
Cash, Cash Equivalents and Short-Term Investments	673.00M	286.82M	875.52M	892.80M	1.44B
Total Debt	1.54M	2.86M	3.77M	4.26M	3.84M
Total Liabilities	2.99B	2.83B	2.82B	2.82B	2.93B
Stockholders Equity	365.15M	319.74M	303.85M	265.75M	298.15M
Cash Flow
Free Cash Flow	42.81M	33.41M	35.20M	37.42M	58.84M
Operating Cash Flow	45.39M	38.28M	40.11M	45.87M	62.26M
Investing Cash Flow	-8.74M	-59.16M	-8.74M	-438.70M	-284.68M
Financing Cash Flow	-4.34M	-15.57M	-4.34M	-113.64M	560.08M

Red River Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 74.36
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 below the 20-day moving average (MA) of 88.48, below the 50-day MA of 86.03, and above the 200-day MA of 70.41, indicating a bullish trend. The MACD of 1.00 indicates Negative momentum. The RSI at 57.68 is Neutral, neither overbought nor oversold. The STOCH value of 83.02 is Negative, 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	80 Outperform	$591.29M	11.15	12.35%	0.73%	7.81%	26.91%
BSVN	74 Outperform	$376.97M	8.99	19.46%	2.40%	-6.72%	19.64%
HBCP	73 Outperform	$470.89M	9.75	11.03%	1.92%	6.25%	24.92%
FBIZ	72 Outperform	$442.09M	8.80	14.27%	2.08%	8.21%	29.65%
CARE	69 Neutral	$507.12M	12.67	7.65%	―	6.62%	117.46%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COFS	58 Neutral	$407.81M	14.61	6.16%	3.69%	50.36%	-56.64%

Red River Bancshares Corporate Events