RRBI Stock Analysis: Red River Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 657m USD | 12M Return: 61% | US75686R2022 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.64M
EPS Trend: 89.3%
Qual. Beats: 0
Rev. Trend: 98.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 7.4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Red River Bancshares, Inc. (RRBI) is a bank holding company that operates Red River Bank, providing a full range of commercial and retail banking products and services across the United States. The company is headquartered in Alexandria, Louisiana, and was incorporated in 1998.
Its deposit offerings include checking, savings, money market, and time deposit accounts, while its lending portfolio spans commercial real estate, one-to-four family mortgages, home equity lines of credit, construction and development loans, commercial and industrial loans, SBA paycheck protection program loans, tax-exempt loans, consumer loans, and standby letters of credit.
In addition to core banking, the company provides treasury management, private banking, brokerage, investment advisory, financial planning, and retirement plan services. Customers can access its services through debit and credit cards, online and mobile banking, ATMs, drive-through facilities, telephone, mail, and remote deposit channels. As a small-cap regional bank within the Financials sector, RRBI follows the standard community banking model common to many U.S. bank holding companies, generating revenue primarily through net interest income on loans and deposits, supplemented by fee-based services.
- Net interest margin compression as Fed cuts rates pressure asset yields
- Commercial real estate loan portfolio faces regional economic headwinds in Louisiana
- Deposit costs rise amid regional bank competition pressuring net interest spreads
| Net Income: 46.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.41 > 1.0 |
| NWC/Revenue: -1.12k% < 20% (prev 379.9%; Δ -1.50k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 56.3m > Net Income 46.0m |
| Net Debt (-932.6m) to EBITDA (60.8m): -15.33 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.61m) vs 12m ago -2.27% < -2% |
| Gross Margin: 73.55% > 18% (prev 70.44%; Δ 3.11% > 0.5%) |
| Asset Turnover: 5.39% > 50% (prev 5.13%; Δ 0.27% > 0%) |
| Interest Coverage Ratio: 1.32 > 6 (EBIT TTM 57.2m / Interest Expense TTM 43.3m) |
| A: -0.59 (Total Current Assets 944.3m - Total Current Liabilities 2.91b) / Total Assets 3.31b |
| B: 0.12 (Retained Earnings 398.2m / Total Assets 3.31b) |
| C: 0.02 (EBIT TTM 57.2m / Avg Total Assets 3.24b) |
| D: 0.13 (Book Value of Equity 384.6m / Total Liabilities 2.93b) |
| Altman-Z'' = -3.24 = D |
| DSRI: 0.96 (Receivables 10.3m/10.0m, Revenue 174.7m/162.4m) |
| GMI: 0.96 (GM 70.44% / 73.55%) |
| AQI: 0.89 (AQ_t 0.70 / AQ_t-1 0.79) |
| SGI: 1.08 (Revenue 174.7m / 162.4m) |
| TATA: -0.00 (NI 46.0m - CFO 56.3m) / TA 3.31b) |
| Beneish M = -3.11 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 102.97 with a total of 68,235 shares traded. Over the past week, the price has changed by +3.21%, over one month by +0.11%, over three months by +6.35% and over the past year by +61.03%.
Current recommended Stop Loss: 97.60 (which is 5.2% or 2.7 ATR below the current price).
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 | 110 | 6.8% |
P/E Trailing = 14.389
P/E Forward = 11.2994
P/S = 5.103
P/B = 1.7235
Revenue TTM = 174.7m USD
EBIT TTM = 57.2m USD
EBITDA TTM = 60.8m USD
Long Term Debt = unknown (none)
Short Term Debt = 1.54m USD (from shortTermDebt, last fiscal year)
Debt = 1.38m USD (from shortLongTermDebtTotal, last quarter) (leases 1.38m already included)
Net Debt = -932.6m USD (calculated: Debt 1.38m - CCE 934.0m)
Enterprise Value = 657.5m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.32 (Ebit TTM 57.2m / Interest Expense TTM 43.3m)
EV/FCF = 12.87x (Enterprise Value 657.5m / FCF TTM 51.1m)
FCF Yield = 7.77% (FCF TTM 51.1m / Enterprise Value 657.5m)
FCF Margin = 29.23% (FCF TTM 51.1m / Revenue TTM 174.7m)
Net Margin = 26.30% (Net Income TTM 46.0m / Revenue TTM 174.7m)
Gross Margin = 73.55% ((Revenue TTM 174.7m - Cost of Revenue TTM 46.2m) / Revenue TTM)
Gross Margin QoQ = 74.79% (prev 73.70%)
Tobins Q-Ratio = 0.20 (Enterprise Value 657.5m / Total Assets 3.31b)
Interest Expense / Debt = 3.13k% (Interest Expense 43.3m / Debt 1.38m)
Taxrate = 19.62% (11.2m / 57.2m)
NOPAT = 46.0m (EBIT 57.2m * (1 - 19.62%))
Current Ratio = 0.33 (Total Current Assets 944.3m / Total Current Liabilities 2.91b)
Debt / Equity = 0.00 (Debt 1.38m / totalStockholderEquity, last quarter 384.6m)
Debt / EBITDA = -15.33 (Net Debt -932.6m / EBITDA 60.8m)
Debt / FCF = -18.26 (Net Debt -932.6m / FCF TTM 51.1m)
Total Stockholder Equity = 368.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.42% (Net Income 46.0m / Total Assets 3.31b)
RoE = 12.47% (Net Income TTM 46.0m / Total Stockholder Equity 368.6m)
RoCE = 14.07% (EBIT 57.2m / Capital Employed (Total Assets 3.31b - Current Liab 2.91b))
RoIC = 11.51% (NOPAT 46.0m / Invested Capital 399.1m)
WACC = 7.46% (E(657.5m)/V(658.9m) * Re(7.48%) + (debt cost/tax rate unavailable))
Discount Rate = 7.48% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.94 | Cagr: -2.92%
[DCF] Terminal Value 77.97% ; FCFF base≈45.0m ; Y1≈51.5m ; Y5≈75.9m
[DCF] Fair Price = 315.0 (EV 1.14b - Net Debt -932.6m = Equity 2.07b / Shares 6.58m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 89.35 | EPS CAGR: 15.57% | SUE: 0.17 | # QB: 0
Revenue Correlation: 98.53 | Revenue CAGR: 9.82% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.83 | Chg30d=+0.00% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=7.29 | Chg30d=-0.05% | Revisions=+0% | GrowthEPS=+14.3% | GrowthRev=+8.2%
EPS next Year (2027-12-31): EPS=7.68 | Chg30d=-0.09% | Revisions=+40% | GrowthEPS=+5.3% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +22% (up=4, down=2)