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Red River Bancshares
(NASDAQ:RRBI)
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Rating:83Outperform
Price Target:
$117.00
â–²(17.60% Upside)
Action:Reiterated
Date:08/07/26
RRBI scores well primarily due to strong financial quality (low leverage, solid profitability, and positive cash generation) and supportive technicals (trading above major moving averages with positive momentum). Valuation is fair but the low dividend yield tempers the score, while the board update is a modest additional positive.
Positive Factors
Conservative balance sheet
Near-zero leverage and steady equity growth create durable capital flexibility, lowering solvency risk and supporting lending through cycles. This conservative funding profile sustains the bank's ability to absorb loan losses, maintain regulatory cushions, and pursue measured organic growth over months.
Negative Factors
Margin normalization
Margins are healthy but below peak 2021–2022 levels, implying less upside from prior high spread environments. Structural pressure on net interest margins or increased funding costs could restrain earnings growth absent stronger loan repricing or fee expansion over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Near-zero leverage and steady equity growth create durable capital flexibility, lowering solvency risk and supporting lending through cycles. This conservative funding profile sustains the bank's ability to absorb loan losses, maintain regulatory cushions, and pursue measured organic growth over months.
Read all positive factors
Red River Bancshares (RRBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$659.19M
Dividend Yield0.8%
Average Volume (3M)16.33K
Price to Earnings (P/E)14.4
Beta (1Y)0.62
Revenue Growth7.25%
EPS Growth22.64%
CountryUS
Employees381
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.98
Shares Outstanding6,584,106
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$106.00Price Target Upside6.54% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)7.3
Revenue Forecast (FY)$136.46M
Red River Bancshares Business Overview & Revenue Model
Company Description
Red River Bancshares, Inc. serves as the parent organization for Red River Bank, delivering a full suite of banking products and services to both businesses and individual clients across Louisiana. The bank offers a variety of deposit options, inc...
How the Company Makes Money
RRBI primarily makes money through its banking subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is the largest driver for most commercial banks and reflects the spread between interest earned on inte...
Red River Bancshares Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 174.74M | 169.85M | 156.78M | 138.70M | 112.46M | 100.82M |
| Gross Profit | 128.52M | 123.22M | 107.64M | 105.83M | 102.98M | 93.30M |
| EBITDA | 60.82M | 56.67M | 45.60M | 45.69M | 47.59M | 42.61M |
| Net Income | 45.95M | 42.76M | 34.23M | 34.88M | 36.92M | 32.95M |
Balance Sheet | ||||||
| Total Assets | 3.31B | 3.35B | 3.15B | 3.13B | 3.08B | 3.22B |
| Cash, Cash Equivalents and Short-Term Investments | 933.97M | 217.83M | 286.82M | 875.52M | 892.80M | 1.44B |
| Total Debt | 1.38M | 1.54M | 2.86M | 3.77M | 4.26M | 3.84M |
| Total Liabilities | 2.93B | 2.99B | 2.83B | 2.82B | 2.82B | 2.93B |
| Stockholders Equity | 384.55M | 365.15M | 319.74M | 303.85M | 265.75M | 298.15M |
Cash Flow | ||||||
| Free Cash Flow | 54.22M | 42.21M | 33.41M | 35.20M | 37.42M | 58.84M |
| Operating Cash Flow | 56.28M | 44.79M | 38.28M | 40.11M | 45.87M | 62.26M |
| Investing Cash Flow | -155.22M | -244.04M | -59.16M | -8.74M | -438.70M | -284.68M |
| Financing Cash Flow | 83.90M | 143.66M | -15.57M | -4.34M | -113.64M | 560.08M |
Red River Bancshares Technical Analysis
Positive
99.49
Price Trends
95.02
Positive
93.16
Positive
84.72
Positive
Market Momentum
1.68
Positive
58.03
Neutral
48.15
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 99.49 is above the 20-day moving average (MA) of 99.48, above the 50-day MA of 95.02, and above the 200-day MA of 84.72, indicating a bullish trend. The MACD of 1.68 indicates Positive momentum. The RSI at 58.03 is Neutral, neither overbought nor oversold. The STOCH value of 48.15 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 |
|---|---|---|---|---|---|---|---|
84 Outperform | $731.41M | 5.39 | 27.40% | 0.29% | 40.09% | 327.11% | |
83 Outperform | $659.19M | 14.42 | 12.47% | 0.80% | 7.25% | 22.64% | |
80 Outperform | $565.75M | 11.69 | 10.65% | 1.74% | 2.06% | 14.90% | |
80 Outperform | $481.39M | 11.42 | 16.48% | 2.18% | -0.23% | -6.18% | |
76 Outperform | $595.15M | 10.62 | 14.75% | 1.88% | 6.56% | 16.72% | |
74 Outperform | $509.51M | 9.34 | 11.72% | 3.51% | 35.31% | 190.27% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
RRBI
Red River Bancshares
100.68
39.66
64.99%
FBIZ
First Business Financial
70.43
23.97
51.58%
HBCP
Home Bancorp
70.63
20.86
41.90%
CARE
Carter Bankshares
31.72
14.33
82.40%
BSVN
Bank7
50.60
7.64
17.79%
COFS
ChoiceOne Financial Services
34.00
6.12
21.94%
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.