Want to see RRBI full AI Analyst Report?
Top Page
Red River Bancshares
(NASDAQ:RRBI)
Select Model
Select Model
Rating:79Outperform
Price Target:
$118.00
â–²(16.83% Upside)
Action:Reiterated
Date:09/06/26
RRBI scores well primarily due to strong financial quality (low leverage, solid profitability, and positive cash generation) and supportive technical strength (trading above key moving averages with positive momentum). The main constraint is valuation/income appeal, with a low dividend yield despite a reasonable P/E.
Positive Factors
Conservative balance sheet
Extremely low leverage and steadily growing equity provide Red River Bank with meaningful resilience through changing credit and interest-rate conditions. This capital strength supports continued lending, absorbs potential losses, and preserves flexibility for organic expansion and other long-term investments.
Negative Factors
Margin normalization
Margin compression from the 2021–2022 peak indicates that current earnings power is not operating at its historical best level. If this normalization persists, slower profit conversion from revenue could moderate earnings growth and reduce the benefit of otherwise solid top-line momentum.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Extremely low leverage and steadily growing equity provide Red River Bank with meaningful resilience through changing credit and interest-rate conditions. This capital strength supports continued lending, absorbs potential losses, and preserves flexibility for organic expansion and other long-term investments.
Read all positive factors
Red River Bancshares (RRBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$680.53M
Dividend Yield0.87%
Average Volume (3M)62.35K
Price to Earnings (P/E)14.8
Beta (1Y)0.60
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. Volume57,299
30 Day Avg. Volume62,354
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 Upside4.95% 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 | 51.08M | 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
101.00
Price Trends
99.30
Positive
95.21
Positive
88.10
Positive
Market Momentum
0.82
Negative
61.22
Neutral
80.95
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 101 is below the 20-day moving average (MA) of 101.66, above the 50-day MA of 99.30, and above the 200-day MA of 88.10, indicating a bullish trend. The MACD of 0.82 indicates Negative momentum. The RSI at 61.22 is Neutral, neither overbought nor oversold. The STOCH value of 80.95 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $553.79M | 11.65 | 10.65% | 1.78% | 2.06% | 14.90% | |
79 Outperform | $680.53M | 14.81 | 12.47% | 0.87% | 7.25% | 22.64% | |
79 Outperform | $708.80M | 5.44 | 27.40% | 0.63% | 40.09% | 327.11% | |
77 Outperform | $547.07M | 12.96 | 16.48% | 1.88% | -0.23% | -6.18% | |
76 Outperform | $609.46M | 10.98 | 14.75% | 1.80% | 6.56% | 16.72% | |
71 Outperform | $512.97M | 9.42 | 11.72% | 3.35% | 35.31% | 190.50% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
RRBI
Red River Bancshares
103.36
39.36
61.50%
FBIZ
First Business Financial
72.24
21.61
42.68%
HBCP
Home Bancorp
69.48
14.54
26.47%
CARE
Carter Bankshares
31.36
11.63
58.91%
BSVN
Bank7
54.53
7.06
14.88%
COFS
ChoiceOne Financial Services
34.30
4.94
16.82%
Red River Bancshares Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Red River Bancshares Highlights Growth at Upcoming Investor Conferences
Positive
Sep 3, 2026
Red River Bancshares, Inc., parent of Red River Bank and a regional community bank focused on Louisiana’s largest markets, reported assets of $3.31 billion, deposits of $2.91 billion, and loans held for investment of $2.26 billion as of June...
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.