Red River Bancshares (RRBI) AI Stock Analysis

• Market Cap: $590.46M
• Dividend Yield: 0.73%
• Average Volume (3M): 16.33K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.68
• Revenue Growth: 7.81%
• EPS Growth: 26.91%
• Country: US
• Employees: 375
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.73
• Shares Outstanding: 6,756,609
• 10 Day Avg. Volume: 18,921
• 30 Day Avg. Volume: 16,331
• 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: 0.99
• Enterprise Value/Revenue: 3.55
• Enterprise Value/Gross Profit: 4.97
• Enterprise Value/Ebitda: 10.85
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $95.00 ▲(27.76% Upside)

Red River Bancshares is well-positioned with strong financial performance and positive technical indicators. The share repurchase program further boosts confidence in the stock. However, the valuation is fair, and technical indicators suggest caution as the stock approaches overbought levels.

Positive Factors

Strong Financial Performance

The company's robust financial health, marked by consistent revenue growth and high profitability margins, indicates a solid foundation for long-term stability and growth.

Low Leverage

Minimal leverage reduces financial risk and enhances the company's ability to navigate economic fluctuations, supporting sustainable operations.

Share Repurchase Program

The expanded share repurchase program reflects management's confidence in the company's financial position and aims to enhance shareholder value over the long term.

Negative Factors

Decline in Free Cash Flow Growth

A decline in free cash flow growth could impact the company's ability to invest in growth opportunities and maintain financial flexibility if the trend continues.

Slower Revenue Growth

Slower revenue growth may signal challenges in expanding market share or increasing sales, potentially affecting long-term competitive positioning.

Modest Dividend Yield

A modest dividend yield may limit the attractiveness of the stock to income-focused investors, potentially impacting demand and shareholder returns.

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 loans and investments, as well as non-interest income from various banking services. Key revenue streams include interest from commercial and consumer loans, mortgage loans, and investment securities. Additionally, the company earns fees from services such as account maintenance, transaction processing, and wealth management. Strategic partnerships with local businesses and community organizations also enhance customer acquisition and retention, contributing to overall earnings. The bank's focus on community lending and personalized service helps drive customer loyalty, which is essential for sustainable revenue growth.

Red River Bancshares Financial Statement Overview

Summary

Red River Bancshares demonstrates strong financial performance with consistent revenue growth, high profitability margins, and a low leverage profile. The slight decline in free cash flow growth is a minor concern but overall financial health remains robust.

Income Statement

Red River Bancshares demonstrates strong profitability with a consistent increase in revenue over the years. The TTM data shows a healthy gross profit margin of 52.60% and a net profit margin of 24.55%. The revenue growth rate of 1.72% in the TTM period indicates steady growth, although slightly lower than previous years. The EBIT and EBITDA margins are robust at 30.48% and 32.06% respectively, reflecting efficient operational management.

Balance Sheet

The company maintains a very low debt-to-equity ratio of 0.0046, indicating minimal leverage and financial risk. The return on equity (ROE) is solid at 12.14%, showcasing effective use of equity to generate profits. The equity ratio stands at 10.93%, suggesting a stable financial structure with a strong equity base relative to total assets.

Cash Flow

Cash flow analysis reveals a slight decline in free cash flow growth at -3.25% in the TTM period, which could be a concern if the trend continues. However, the operating cash flow to net income ratio is exceptionally high at 24.13, indicating strong cash generation relative to net income. The free cash flow to net income ratio of 0.91 suggests that the company is effectively converting its profits into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	165.18M	156.78M	138.70M	112.46M	100.82M	99.49M
Gross Profit	118.01M	107.64M	105.83M	102.98M	93.30M	84.82M
EBITDA	54.02M	45.60M	45.69M	47.59M	42.61M	36.88M
Net Income	40.66M	34.23M	34.88M	36.92M	32.95M	28.14M
Balance Sheet
Total Assets	3.21B	3.15B	3.13B	3.08B	3.22B	2.64B
Cash, Cash Equivalents and Short-Term Investments	165.32M	286.82M	875.52M	892.80M	1.44B	945.41M
Total Debt	1.62M	2.86M	3.77M	4.26M	3.84M	4.23M
Total Liabilities	2.86B	2.83B	2.82B	2.82B	2.93B	2.36B
Stockholders Equity	351.31M	319.74M	303.85M	265.75M	298.15M	285.48M
Cash Flow
Free Cash Flow	34.62M	33.41M	35.20M	37.42M	58.84M	5.76M
Operating Cash Flow	38.27M	38.28M	40.11M	45.87M	62.26M	12.80M
Investing Cash Flow	-184.72M	-59.16M	-8.74M	-438.70M	-284.68M	-316.26M
Financing Cash Flow	74.86M	-15.57M	-4.34M	-113.64M	560.08M	617.37M

Red River Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 74.36
• 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 74.36 is below the 20-day moving average (MA) of 77.83, above the 50-day MA of 74.32, and above the 200-day MA of 64.52, indicating a bullish trend. The MACD of 3.77 indicates Negative momentum. The RSI at 80.92 is Negative, neither overbought nor oversold. The STOCH value of 91.85 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
RRBI	78 Outperform	$590.46M	13.70	12.03%	0.73%	7.81%	26.91%
BSVN	78 Outperform	$428.52M	10.07	19.46%	2.40%	-6.72%	19.64%
FBIZ	77 Outperform	$489.80M	9.71	15.02%	2.08%	8.21%	29.65%
HBCP	73 Outperform	$477.75M	10.40	10.86%	1.92%	6.25%	24.92%
COFS	73 Outperform	$445.45M	14.75	6.16%	3.69%	50.36%	-56.64%
CARE	72 Outperform	$482.60M	15.84	7.71%	―	6.62%	117.46%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Red River Bancshares Corporate Events

Red River Bancshares Expands 2026 Share Repurchase Program

On December 18, 2025, Red River Bancshares, Inc. announced that its board of directors had approved the renewal and expansion of its stock repurchase program, authorizing the company to buy back up to $10 million of its common shares between January 1 and December 31, 2026. The move, positioned by management as a capital management tool to maximize shareholder value, allows Red River to repurchase shares in the open market or through privately negotiated transactions, signaling confidence in the company’s financial position and providing a mechanism to enhance returns for existing shareholders.

The most recent analyst rating on (RRBI) stock is a Buy with a $73.00 price target. To see the full list of analyst forecasts on Red River Bancshares stock, see the RRBI Stock Forecast page.