Red River Bancshares (RRBI) AI Stock Analysis

• Market Cap: $430.71M
• Dividend Yield: 0.74%
• Average Volume (3M): 11.74K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.72
• Revenue Growth: 9.09%
• EPS Growth: 23.58%
• Country: US
• Employees: 375
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.51
• Shares Outstanding: 6,676,609
• 10 Day Avg. Volume: 14,687
• 30 Day Avg. Volume: 11,741
• 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: 0.83
• Enterprise Value/Revenue: 2.20
• Enterprise Value/Gross Profit: 3.12
• Enterprise Value/Ebitda: 7.07
• 1Y Price Target: $67.00
• Price Target Upside: 3.86% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 77 Outperform
• Price Target: $74.00 ▲(14.71% Upside)

Red River Bancshares receives a strong overall score driven by robust financial performance and positive corporate actions. The technical analysis supports a bullish outlook, while the valuation remains reasonable. The stock repurchase agreement further enhances shareholder value, making it an attractive investment in the regional banking sector.

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 from its loan portfolio, which includes commercial, consumer, and residential loans. The bank earns interest by lending money to borrowers and collecting interest payments over time. Additionally, the company earns non-interest income through various fees associated with deposit accounts, ATM services, and other banking transactions. The bank's focus on relationship banking allows it to build a loyal customer base, which contributes to a stable deposit base and a consistent flow of revenue. Significant partnerships and community involvement also help in enhancing its brand and attracting more customers, thereby positively impacting its earnings.

Red River Bancshares Financial Statement Overview

Summary

Red River Bancshares demonstrates robust financial performance with strong revenue and profit growth, efficient cost management, and a conservative capital structure with low leverage. The income statement shows impressive profit margins and revenue growth, while the balance sheet reflects minimal leverage and strong ROE. Cash flow metrics are solid, though slight declines in operating cash flow 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	162.45M	156.78M	138.70M	112.46M	100.82M	99.49M
Gross Profit	114.39M	107.64M	105.83M	102.98M	93.30M	84.82M
EBITDA	50.52M	45.60M	45.69M	47.59M	42.61M	36.88M
Net Income	38.61M	34.23M	34.88M	36.92M	32.95M	28.14M
Balance Sheet
Total Assets	3.17B	3.15B	3.13B	3.08B	3.22B	2.64B
Cash, Cash Equivalents and Short-Term Investments	609.43M	286.82M	875.52M	892.80M	1.44B	945.41M
Total Debt	2.61M	2.86M	3.77M	4.26M	3.84M	4.23M
Total Liabilities	2.83B	2.83B	2.82B	2.82B	2.93B	2.36B
Stockholders Equity	335.35M	319.74M	303.85M	265.75M	298.15M	285.48M
Cash Flow
Free Cash Flow	35.78M	33.41M	35.20M	37.42M	58.84M	5.76M
Operating Cash Flow	39.16M	38.28M	40.11M	45.87M	62.26M	12.80M
Investing Cash Flow	-121.61M	-59.16M	-8.74M	-438.70M	-284.68M	-316.26M
Financing Cash Flow	79.82M	-15.57M	-4.34M	-113.64M	560.08M	617.37M

Red River Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 64.51
• 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 64.51 is above the 20-day moving average (MA) of 64.21, above the 50-day MA of 62.76, and above the 200-day MA of 56.64, indicating a bullish trend. The MACD of 0.91 indicates Positive momentum. The RSI at 58.72 is Neutral, neither overbought nor oversold. The STOCH value of 43.30 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
FRBA	80 Outperform	$425.27M	11.18	9.40%	1.43%	11.18%	24.61%
RRBI	77 Outperform	$430.71M	11.38	12.02%	0.74%	9.09%	23.58%
HBCP	76 Outperform	$440.14M	10.78	10.55%	1.93%	8.03%	15.18%
BSVN	75 Outperform	$457.81M	10.42	20.97%	1.98%	-2.96%	37.09%
CARE	71 Outperform	$442.06M	14.35	8.06%	―	9.18%	153.68%
Sector *	68 Neutral	$17.80B	11.94	9.89%	3.74%	9.69%	1.17%
MSBI	60 Neutral	$390.65M	10.95	-16.48%	6.89%	14.49%	-379.97%

Red River Bancshares Corporate Events

Red River Bancshares to Present at September Conferences

Red River Bancshares announced its participation in various investor and analyst conferences scheduled for September 2025. The company’s executive management team will present a detailed investor presentation, which is accessible on their website. This engagement aims to strengthen investor relations and provide insights into the company’s financial performance and strategic direction.

Red River Bancshares Announces Stock Repurchase Agreement

On August 7, 2025, Red River Bancshares, Inc. announced a stock repurchase agreement to buy back 100,000 shares of its common stock from two shareholders for $5.3 million, reflecting a discount to recent average prices. This transaction is part of the company’s ongoing efforts to deliver shareholder value and is supplemental to a previously announced $5 million repurchase program, which remains unaffected. The transaction, approved by the company’s board, is expected to close by August 12, 2025, and leaves approximately $4.3 million of capacity under the existing repurchase program.