Red River Bancshares Inc (RRBI)
NASDAQ:RRBI
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Red River Bancshares
(NASDAQ:RRBI)
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Rating:80Outperform
Price Target:
$111.00
▲(14.99% Upside)
Action:Reiterated
Date: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 Margins
Sustained TTM net margin near 25% and EBIT margin around 31% indicate durable underwriting and fee economics. High margins provide a recurring buffer for credit costs and support reinvestment in technology, branch operations, or targeted lending without immediate capital strain.
Negative Factors
Slowing Revenue Growth
Moderating revenue growth constrains long-term earnings leverage and limits the scale benefits of operating expenses. For a regional bank reliant on net interest income, tepid loan and deposit growth can cap future profitability and increase dependence on margin improvement or buybacks for EPS growth.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability Margins
Sustained TTM net margin near 25% and EBIT margin around 31% indicate durable underwriting and fee economics. High margins provide a recurring buffer for credit costs and support reinvestment in technology, branch operations, or targeted lending without immediate capital strain.
Read all positive factors
Red River Bancshares (RRBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$591.17M
Dividend Yield0.73%
Average Volume (3M)16.33K
Price to Earnings (P/E)12.4
Beta (1Y)0.65
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 Cap0.96
Enterprise Value/Revenue3.29
Enterprise Value/Gross Profit4.51
Enterprise Value/Ebitda9.90
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
84
Very Positive
Balance Sheet
91
Very Positive
Cash Flow
78
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 | 28.55M | 42.21M | 33.41M | 35.20M | 37.42M | 58.84M |
| Operating Cash Flow | 30.88M | 44.79M | 38.28M | 40.11M | 45.87M | 62.26M |
| Investing Cash Flow | -193.54M | -244.04M | -59.16M | -8.74M | -438.70M | -284.68M |
| Financing Cash Flow | 123.91M | 143.66M | -15.57M | -4.34M | -113.64M | 560.08M |
Red River Bancshares Technical Analysis
Positive
96.53
Price Trends
90.11
Positive
82.11
Positive
73.09
Positive
Market Momentum
1.94
Negative
68.53
Neutral
83.17
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 96.53 is above the 20-day moving average (MA) of 92.14, above the 50-day MA of 90.11, and above the 200-day MA of 73.09, indicating a bullish trend. The MACD of 1.94 indicates Negative momentum. The RSI at 68.53 is Neutral, neither overbought nor oversold. The STOCH value of 83.17 is Negative, 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $581.55M | 1.49 | 24.82% | ― | 30.36% | 306.20% | |
80 Outperform | $591.17M | 12.42 | 12.46% | 0.73% | 7.26% | 25.66% | |
79 Outperform | $496.20M | 10.30 | 10.86% | 1.92% | 3.07% | 25.18% | |
78 Outperform | $402.10M | 7.88 | 18.18% | 2.40% | 0.80% | -1.33% | |
73 Outperform | $460.17M | 9.05 | 14.12% | 2.08% | 5.94% | 10.27% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $462.28M | 7.70 | 12.28% | 3.69% | 59.56% | 203.82% |
* Financial Sector Average
RRBI
Red River Bancshares
89.78
33.42
59.29%
FBIZ
First Business Financial
55.03
6.90
14.33%
HBCP
Home Bancorp
63.27
12.89
25.59%
CARE
Carter Bankshares
26.17
10.50
67.01%
BSVN
Bank7
42.24
4.06
10.63%
COFS
ChoiceOne Financial Services
30.87
1.76
6.05%
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.