Red River Bancshares (RRBI) AI Stock Analysis

• Market Cap: $428.40M
• Dividend Yield: 0.75%
• Average Volume (3M): 14.54K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.70
• Revenue Growth: 10.47%
• EPS Growth: 13.63%
• Country: US
• Employees: 375
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 1.52
• Shares Outstanding: 6,683,276
• 10 Day Avg. Volume: 22,666
• 30 Day Avg. Volume: 14,537
• PEG Ratio: 1.41
• Price to Book (P/B): 1.15
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 11.26
• Enterprise Value/Market Cap: 0.30
• Enterprise Value/Revenue: 0.21
• Enterprise Value/Gross Profit: 1.16
• Enterprise Value/Ebitda: 0.71
• 1Y Price Target: $62.00
• Price Target Upside: -3.28% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 78 Outperform
• Price Target: $69.00 ▲(7.64%Upside)

The overall stock score of 78 reflects Red River Bancshares' strong financial performance and positive corporate events, particularly the stock repurchase agreement. Despite technical indicators pointing to overbought conditions, the company's low leverage and strategic initiatives position it well for continued stability and growth.

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 and non-interest income. Interest income is derived from the interest charged on loans given to individuals and businesses, including commercial, mortgage, and consumer loans. Non-interest income comes from various banking fees, such as service charges on deposit accounts, fees from mortgage banking activities, and other financial services. The bank also earns revenue from investment securities and partnerships with financial institutions that provide additional products and services to its clients.

Red River Bancshares Financial Statement Overview

Summary

Red River Bancshares demonstrates a robust financial performance across its income statement, balance sheet, and cash flow. The company exhibits strong revenue and profit growth, efficient cost management, and a conservative capital structure with low leverage. While its cash flow metrics are solid, slight declines in operating cash flow could warrant attention.

Income Statement

Red River Bancshares shows a strong income statement performance with robust profit margins. The Gross Profit Margin stands at approximately 81.3% for TTM, indicating efficient cost management. The Net Profit Margin for TTM is 23.4%, signifying strong profitability. Revenue Growth Rate from the previous year to TTM is 42.8%, highlighting significant revenue expansion. The EBIT Margin and EBITDA Margin are also impressive at 29.3% and 37.3% respectively, supporting operational efficiency and profitability. Overall, the income statement reflects a healthy financial position with strong growth trajectory.

Balance Sheet

The balance sheet is stable with a low Debt-to-Equity Ratio of 0.008, indicating minimal leverage and a conservative capital structure. The Return on Equity (ROE) is strong at 10.9% for TTM, reflecting efficient use of equity to generate profits. The Equity Ratio stands at 10.5%, showing a balance between equity and total assets. While the financial position is strong, the relatively low equity ratio suggests potential room for enhancing equity levels to further strengthen the balance sheet.

Cash Flow

Cash flow analysis reveals a solid performance with a Free Cash Flow Growth Rate of 7.1% from the previous year to TTM, indicating improving cash generation capability. The Operating Cash Flow to Net Income Ratio is 1.03, suggesting effective conversion of income into cash. The Free Cash Flow to Net Income Ratio is 0.98, reflecting efficient cash utilization. Although cash flows are generally strong, the slight decline in operating cash flow compared to previous periods indicates a need for careful monitoring.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	160.20M	156.78M	138.70M	112.46M	100.82M	99.49M
Gross Profit	110.98M	107.64M	105.83M	102.98M	93.30M	84.82M
EBITDA	48.45M	45.60M	45.69M	47.59M	42.61M	36.88M
Net Income	36.40M	34.23M	34.88M	36.92M	32.95M	28.14M
Balance Sheet
Total Assets	3.19B	3.15B	3.13B	3.08B	3.22B	2.64B
Cash, Cash Equivalents and Short-Term Investments	263.14M	286.82M	875.52M	892.80M	1.44B	945.41M
Total Debt	2.74M	2.86M	3.77M	4.26M	3.84M	4.23M
Total Liabilities	2.85B	2.83B	2.82B	2.82B	2.93B	2.36B
Stockholders Equity	333.32M	319.74M	303.85M	265.75M	298.15M	285.48M
Cash Flow
Free Cash Flow	33.54M	33.41M	35.20M	37.42M	58.84M	5.76M
Operating Cash Flow	37.78M	38.28M	40.11M	45.87M	62.26M	12.80M
Investing Cash Flow	-86.25M	-59.16M	-8.74M	-438.70M	-284.68M	-316.26M
Financing Cash Flow	70.82M	-15.57M	-4.34M	-113.64M	560.08M	617.37M

Red River Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 64.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 64.1 is above the 20-day moving average (MA) of 57.96, above the 50-day MA of 56.01, and above the 200-day MA of 54.40, indicating a bullish trend. The MACD of 1.66 indicates Negative momentum. The RSI at 78.21 is Negative, neither overbought nor oversold. The STOCH value of 95.99 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
FRBA	79 Outperform	$410.95M	10.57	9.81%	1.47%	18.63%	37.17%
HBCP	78 Outperform	$438.67M	11.78	9.85%	1.92%	9.82%	0.91%
RRBI	78 Outperform	$428.40M	12.05	11.51%	0.75%	10.47%	13.63%
BSVN	75 Outperform	$420.40M	9.44	22.26%	2.18%	1.20%	46.86%
CARE	72 Outperform	$422.65M	15.23	7.20%	―	13.73%	111.06%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%
MSBI	58 Neutral	$402.55M	13.77	5.03%	6.63%	14.75%	-48.47%

Red River Bancshares Corporate Events

Red River Bancshares Announces Stock Repurchase Agreement

On May 22, 2025, Red River Bancshares, Inc. announced a stock repurchase agreement with S3 Dynamics, L.P. to buy back 100,000 shares of its common stock for $5.1 million, reflecting a discount to the recent volume weighted average price. This transaction, approved by the company’s board, is part of their strategy to enhance shareholder value and is supplemental to their existing $5.0 million repurchase program, which remains unaffected with $4.7 million of capacity still available.

The most recent analyst rating on (RRBI) stock is a Buy with a $57.00 price target. To see the full list of analyst forecasts on Red River Bancshares stock, see the RRBI Stock Forecast page.

Red River Bancshares to Attend Gulf South Conference

Red River Bancshares, Inc. announced its participation in the 2025 Gulf South Bank Conference scheduled for May 14-15, 2025, where its executive management team plans to engage with investors and analysts. The company’s investor presentation, available on its website, highlights its strong capital position, liquidity, and strategic growth initiatives. The conference participation underscores Red River Bancshares’ commitment to transparency and engagement with stakeholders, potentially enhancing its market positioning and investor relations.