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Red River Bancshares Inc (RRBI)
NASDAQ:RRBI

Red River Bancshares (RRBI) AI Stock Analysis

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Red River Bancshares

(NASDAQ:RRBI)

Rating:78Outperform
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 (RRBI) vs. SPDR S&P 500 ETF (SPY)

Red River Bancshares Business Overview & Revenue Model

Company DescriptionRed 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 MoneyRed 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
82
Very Positive
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
78
Positive
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
75
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue160.20M156.78M138.70M112.46M100.82M99.49M
Gross Profit110.98M107.64M105.83M102.98M93.30M84.82M
EBITDA48.45M45.60M45.69M47.59M42.61M36.88M
Net Income36.40M34.23M34.88M36.92M32.95M28.14M
Balance Sheet
Total Assets3.19B3.15B3.13B3.08B3.22B2.64B
Cash, Cash Equivalents and Short-Term Investments263.14M286.82M875.52M892.80M1.44B945.41M
Total Debt2.74M2.86M3.77M4.26M3.84M4.23M
Total Liabilities2.85B2.83B2.82B2.82B2.93B2.36B
Stockholders Equity333.32M319.74M303.85M265.75M298.15M285.48M
Cash Flow
Free Cash Flow33.54M33.41M35.20M37.42M58.84M5.76M
Operating Cash Flow37.78M38.28M40.11M45.87M62.26M12.80M
Investing Cash Flow-86.25M-59.16M-8.74M-438.70M-284.68M-316.26M
Financing Cash Flow70.82M-15.57M-4.34M-113.64M560.08M617.37M

Red River Bancshares Technical Analysis

Technical Analysis Sentiment
Positive
Last Price64.10
Price Trends
50DMA
56.01
Positive
100DMA
54.45
Positive
200DMA
54.40
Positive
Market Momentum
MACD
1.66
Negative
RSI
78.21
Negative
STOCH
95.99
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 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$410.95M10.579.81%1.47%18.63%37.17%
78
Outperform
$438.67M11.789.85%1.92%9.82%0.91%
78
Outperform
$428.40M12.0511.51%0.75%10.47%13.63%
75
Outperform
$420.40M9.4422.26%2.18%1.20%46.86%
72
Outperform
$422.65M15.237.20%13.73%111.06%
67
Neutral
$17.01B11.909.70%3.76%11.63%-9.47%
58
Neutral
$402.55M13.775.03%6.63%14.75%-48.47%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
RRBI
Red River Bancshares
64.10
18.52
40.63%
HBCP
Home Bancorp
56.23
18.38
48.56%
MSBI
Midland States Bancrop
18.71
-2.37
-11.24%
FRBA
First Bank
16.35
4.25
35.12%
CARE
Carter Bankshares
18.25
3.41
22.98%
BSVN
Bank7
44.49
14.28
47.27%

Red River Bancshares Corporate Events

Stock BuybackBusiness Operations and Strategy
Red River Bancshares Announces Stock Repurchase Agreement
Positive
May 22, 2025

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.

Business Operations and Strategy
Red River Bancshares to Attend Gulf South Conference
Positive
Apr 30, 2025

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.

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.Date of analysis: Jul 02, 2025