(RRBI) Red River Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 599m USD | Total Return: 64.8% in 12m
Avg Turnover: 6.54M
EPS Trend: 73.4%
Qual. Beats: 10
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Shakeout, Idiosyncratic Leader, Avwap Ph Week
Red River Bancshares, Inc. (RRBI) is a bank holding company headquartered in Louisiana that operates through its subsidiary, Red River Bank. The institution provides a comprehensive range of financial services, including commercial and retail deposit products, mortgage lending, and specialized commercial and industrial loans. Its business model relies on generating net interest income by capturing the spread between interest earned on its diverse loan portfolio and interest paid on customer deposits.
As a regional bank, RRBI focuses on relationship-based lending within specific geographic markets, often utilizing Small Business Administration (SBA) programs and private banking to differentiate itself from national competitors. The regional banking sector is currently characterized by a focus on liquidity management and the stabilization of deposit costs amid fluctuating interest rate environments. For a deeper analysis of these financial metrics, investors may find further value in reviewing the data on ValueRay.
The companys digital infrastructure supports traditional brick-and-mortar operations, offering treasury management, online bill payment, and mobile banking services. RRBI also maintains non-interest income streams through investment advisory, brokerage services, and financial planning for retail and commercial clients.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial real estate loan concentration in Louisiana regional markets
- Expansion into high-growth urban corridors across the Gulf South
- Non-interest income growth through treasury management and advisory services
- Regulatory capital requirements impacting dividend capacity and share buybacks
| Net Income: 44.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.24 > 1.0 |
| NWC/Revenue: -1.70k% < 20% (prev -1.60k%; Δ -100.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 47.8m > Net Income 44.4m |
| Net Debt (-673.9m) to EBITDA (58.8m): -11.46 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.61m) vs 12m ago -2.76% < -2% |
| Gross Margin: 72.94% > 18% (prev 0.69%; Δ 7.22k% > 0.5%) |
| Asset Turnover: 5.26% > 50% (prev 5.02%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 1.26 > 6 (EBITDA TTM 58.8m / Interest Expense TTM 43.9m) |
| A: -0.87 (Total Current Assets 48.0m - Total Current Liabilities 2.97b) / Total Assets 3.35b |
| B: 0.12 (Retained Earnings 388.1m / Total Assets 3.35b) |
| C: 0.02 (EBIT TTM 55.2m / Avg Total Assets 3.27b) |
| D: 0.12 (Book Value of Equity 370.0m / Total Liabilities 2.97b) |
| Altman-Z'' = -5.10 = D |
| DSRI: 1.00 (Receivables 11.4m/10.6m, Revenue 171.7m/159.8m) |
| GMI: 0.95 (GM 72.94% / 69.44%) |
| AQI: 1.08 (AQ_t 0.97 / AQ_t-1 0.89) |
| SGI: 1.07 (Revenue 171.7m / 159.8m) |
| TATA: -0.00 (NI 44.4m - CFO 47.8m) / TA 3.35b) |
| Beneish M = -2.97 (Cap -4..+1) = A |
As of June 03, 2026, the stock is trading at USD 91.24 with a total of 107,351 shares traded.
Over the past week, the price has changed by -0.98%,
over one month by +3.07%,
over three months by +2.18% and
over the past year by +64.78%.
Red River Bancshares has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy RRBI.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 99.5 | 9.1% |
P/E Trailing = 13.6312
P/E Forward = 11.2994
P/S = 4.7523
P/B = 1.6264
Revenue TTM = 171.7m USD
EBIT TTM = 55.2m USD
EBITDA TTM = 58.8m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 1.47m USD (from shortTermDebt, last quarter)
Debt = 1.47m USD (from shortLongTermDebtTotal, last quarter) (leases 1.47m already included)
Net Debt = -673.9m USD (calculated: Debt 1.47m - CCE 675.4m)
Enterprise Value = 598.7m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.26 (Ebit TTM 55.2m / Interest Expense TTM 43.9m)
EV/FCF = 13.75x (Enterprise Value 598.7m / FCF TTM 43.5m)
FCF Yield = 7.27% (FCF TTM 43.5m / Enterprise Value 598.7m)
FCF Margin = 25.35% (FCF TTM 43.5m / Revenue TTM 171.7m)
Net Margin = 25.85% (Net Income TTM 44.4m / Revenue TTM 171.7m)
Gross Margin = 72.94% ((Revenue TTM 171.7m - Cost of Revenue TTM 46.5m) / Revenue TTM)
Gross Margin QoQ = 73.70% (prev 73.48%)
Tobins Q-Ratio = 0.18 (Enterprise Value 598.7m / Total Assets 3.35b)
Interest Expense / Debt = 2.99k% (Interest Expense 43.9m / Debt 1.47m)
Taxrate = 19.86% (2.97m / 14.9m)
NOPAT = 44.3m (EBIT 55.2m * (1 - 19.86%))
Current Ratio = 0.02 (Total Current Assets 48.0m / Total Current Liabilities 2.97b)
Debt / Equity = 0.00 (Debt 1.47m / totalStockholderEquity, last quarter 373.3m)
Debt / EBITDA = -11.46 (Net Debt -673.9m / EBITDA 58.8m)
Debt / FCF = -15.48 (Net Debt -673.9m / FCF TTM 43.5m)
Total Stockholder Equity = 356.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 44.4m / Total Assets 3.35b)
RoE = 12.46% (Net Income TTM 44.4m / Total Stockholder Equity 356.3m)
RoCE = 15.50% (EBIT 55.2m / Capital Employed (Equity 356.3m + L.T.Debt 0.0))
RoIC = 1.32% (NOPAT 44.3m / Invested Capital 3.35b)
WACC = 8.50% (E(598.7m)/V(600.1m) * Re(8.52%) + (debt cost/tax rate unavailable))
Discount Rate = 8.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -3.41%
[DCF] Terminal Value 77.49% ; FCFF base≈39.6m ; Y1≈45.4m ; Y5≈66.8m
[DCF] Fair Price = 251.1 (EV 979.6m - Net Debt -673.9m = Equity 1.65b / Shares 6.58m; r=8.50% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 73.37 | EPS CAGR: 10.64% | SUE: 2.19 | # QB: 10
Revenue Correlation: 98.15 | Revenue CAGR: 11.04% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.76 | Chg30d=+0.57% | Revisions=+14% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.83 | Chg30d=-0.54% | Revisions=-14% | Analysts=3
EPS current Year (2026-12-31): EPS=7.25 | Chg30d=+1.64% | Revisions=+33% | GrowthEPS=+13.6% | GrowthRev=+8.7%
EPS next Year (2027-12-31): EPS=7.53 | Chg30d=+1.48% | Revisions=+14% | GrowthEPS=+3.9% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +33%