Red River Bancshares, Inc. RRBI R2K

Financial Services · Banks - Regional · United States

https://www.redriverbank.net

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 the United States. The company offers various deposit products, including checking, saving, money market accounts, and time deposits. It provides 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 offers 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. Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.

Market & Price

Market Cap

$598.68M

Current Price

$90.92

High / Low (52W)

$96.53 / $55.02

Beta

0.42

Valuation

Stock P/E

13.63

Industry PE

12.01

Forward P/E

12.07

PEG Ratio

Book Value

$56.76

Price to Book

1.60

P/S

4.75

EV/EBITDA

Dividend Yield

0.88%

Profitability & Returns

ROCE

ROE

12.56%

ROA

1.36%

Profit Margin

35.23%

Op Margin

47.70%

EPS (Latest Qtr)

$1.81

EPS (TTM)

$6.67

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.47M

Total Assets

$3.35B

Current Assets

Working Capital

Ownership

Promoter Holding

23.43%

Chg in Prom Hold

FII / Inst Holding

40.28%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$389.62M

Total Revenue (TTM)

$125.98M

EBITDA

Free Cash Flow

Operating Cash Flow

$47.80M

Shares Outstanding

6.58M

Gross Margin

0.00%

Payout Ratio

10.04%

Growth (CAGR)

Revenue 5Y

5.90%

Profit 5Y

5.02%

Revenue (YoY)

9.40%

Earnings (YoY)

19.10%

PROS

Excellent profit margin of 35.2%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	RRBI Red River Bancshares, Inc. R2K	90.92	13.63	$598.68M	0.88%	-	12.56%	5.90%	5.02%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	29.82M	30.14M	31.55M	32.88M	32.83M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.20M	10.91M	11.26M	10.96M	10.74M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.84M	12.72M	13.37M	14.19M	14.94M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.49M	2.52M	2.57M	2.77M	2.97M
Net Income	5.23M	5.53M	6.14M	6.15M	5.70M	5.54M	6.85M	6.74M	6.75M	6.85M	7.29M	7.26M	8.06M	8.24M	8.14M	8.51M	7.39M	9.15M	10.19M	10.19M	9.60M	8.97M	8.02M	8.29M	8.19M	7.99M	8.75M	9.31M	10.35M	10.20M	10.80M	11.41M	11.97M
Diluted EPS	0.77	0.82	0.91	0.91	0.85	0.78	0.93	0.92	0.92	0.93	0.99	0.99	1.10	1.13	1.12	1.17	1.03	1.27	1.42	1.42	1.33	1.25	1.12	1.16	1.16	1.16	1.27	1.37	1.52	1.51	1.63	1.73	1.81

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	104.73M	106.57M	108.84M	124.39M
Cost of Revenue	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	7.74M	32.13M	47.94M	44.33M
Pretax Income	-	-	-	-	44.98M	42.94M	42.38M	53.13M
Tax Provision	-	-	-	-	8.06M	8.06M	8.15M	10.36M
Net Income	23.06M	24.82M	28.14M	-	36.92M	34.88M	34.23M	42.76M
Diluted EPS	3.41	3.49	3.83	-	5.13	4.86	4.95	6.38

Compounded Sales Growth

5 Years:	5.90%
1 Year:	9.40%

Compounded Profit Growth

5 Years:	5.02%
1 Year:	19.10%

Stock Price Performance

1 Year:	+63.64%
6 Months:	+29.08%
3 Months:	+2.80%
1 Month:	-2.57%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	1.86B	1.99B	2.64B	-	3.08B	3.13B	3.15B	3.35B
Current Assets	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	151.91M	133.29M	447.20M	-	278.39M	305.43M	268.98M	213.39M
Inventory	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	8.83M	9.95M	10.05M	11.13M
Total Liabilities	-	1.67B	1.74B	2.36B	-	2.82B	2.82B	2.83B	2.99B
Current Liabilities	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-
Total Debt	-	-	-	-	-	4.26M	3.77M	2.86M	1.54M
Total Equity	178.10M	193.70M	251.90M	285.48M	-	265.75M	303.85M	319.74M	365.15M
Shares Outstanding	-	-	-	-	-	7.18M	7.09M	6.78M	6.58M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	26.02M	26.44M	12.80M	-	45.87M	40.11M	38.28M	44.79M
Investing Cash Flow	-47.65M	-134.82M	-316.26M	-	-438.70M	-8.74M	-59.16M	-244.04M
Financing Cash Flow	113.87M	89.76M	617.37M	-	-113.64M	-4.34M	-15.57M	143.66M
Capital Expenditure	-5.43M	-3.77M	-7.04M	-	-8.44M	-4.92M	-4.88M	-2.58M
Free Cash Flow	20.58M	22.67M	5.76M	-	37.42M	35.20M	33.41M	42.21M
Net Change in Cash	-	-	-	-	-506.47M	27.03M	-36.45M	-55.58M
Share Buybacks	4.59M	0	122.00K	7.88M	218.00K	5.00M	16.31M	11.06M

Ratios (Annual)

Figures in %.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	35.2%	32.7%	31.5%	34.4%
ROE %	11.9%	9.9%	9.9%	-	13.9%	11.5%	10.7%	11.7%
ROCE %	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

23.43%

Institutions

40.28%

Public Float

52.60%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	5.02%	330.66K	$30.06M
2	Wellington Management Group, LLP	3.93%	259.10K	$23.56M
3	Vanguard Capital Management LLC	3.16%	207.98K	$18.91M
4	Boston Partners	2.90%	191.24K	$17.39M
5	Manufacturers Life Insurance Co.	2.13%	140.55K	$12.78M
6	Dimensional Fund Advisors LP	1.90%	125.31K	$11.39M
7	Geode Capital Management, LLC	1.75%	115.18K	$10.47M
8	State Street Corporation	1.70%	111.74K	$10.16M
9	Acadian Asset Management. LLC	1.38%	90.64K	$8.24M
10	American Century Companies Inc	1.31%	86.24K	$7.84M

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