RRBI

Red River Bancshares, Inc.

Fundamental data last updated:August 22, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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.

 


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VALUATION

P/E

13.70

Market Cap ($M USD)

$608.69M

Forward P/E

12.27

PEG

1.05

PRICE TO SALES

3.54

PRICE TO BOOK

1.63

EV / EBITDA

10.06

5-Year Average P/E

Free Cash Flow Yield

7.15%

DCF Value

$109.97

Graham Number

$92.84

Price to FCF

13.98

EV to FCF

13.17

Earnings Yield

7.30%

FCF Yield

7.15%

DIVIDEND

Yield

0.72%

Annual Payout

$0.67

Payout Ratio

9.95%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$6.75

Next Year EPS Growth Estimate

$7.53

Next Year Revenue Growth Estimate

$143.42M

Return on Equity (ROE)

12.46%

FREE CASH FLOW

Operating Margin

32.16%

Debt-to-Equity

0.00

Piotroski F-Score

8

Altman Z-Score

0.41

Return on Invested Capital (ROIC)

1.65%

Current Ratio

32.78

Quick Ratio

32.78

Net Debt to EBITDA

-0.62

Interest Coverage

1.26

Gross Profit margin

72.94%

FCF PER SHARE

$6.62

REVENUE PER SHARE

$26.11

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Gainseekers Quantitative Analysis

Summary

Red River Bancshares, Inc. presents a compelling valuation story. Recent pricing indicated it traded below its DCF value of $110.38 and the Graham Number of $92.84, suggesting potential undervaluation. The Forward P/E of 12.11 and an Earnings Yield of 7.40% indicate reasonable growth expectations. However, the Altman Z-score of 0.41 raises red flags about financial distress, warranting caution. Overall, the market may be underestimating its intrinsic value, but risks remain.

AI Exposure / Tech Reliance

Operating in the regional banking sector, Red River Bancshares is well-positioned to leverage AI and tech advancements. The financial services industry is increasingly adopting AI for risk management and customer service enhancements. This adaptability could bolster its competitive edge and operational efficiency.

The Bull Case

For value investors, Red River Bancshares offers attractive institutional tailwinds. A robust Piotroski F-Score of 8 signals strong financial health, while a Return on Equity of 12.46% highlights effective capital utilization. The Free Cash Flow Yield of 7.26% and a solid operating margin of 32.16% underscore its pricing power and operational efficiency. These metrics suggest a well-managed company capable of delivering shareholder value.

The Bear Case

Despite its strengths, Red River Bancshares faces structural risks. The Price/Book ratio of 1.61 and Price/Sales of 3.49 suggest the stock may be overvalued relative to its peers. Additionally, the proximity to its 52-week high, just 8.39% away, indicates potential overextension. Investors should be wary of these valuation pressures amidst broader market volatility.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$94.00

Institutional Ownership %

1-Year Beta

0.43

Insider Buying % (6 Mo)

Distance to 52-Week High

6.93%

Distance to 52-Week Low

41.53%

EARNINGS SURPRISE %

7.10%

50-DAY SMA

$91.55

200-DAY SMA

$77.46

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.