(RRBI) Red River Bancshares - Overview
Stock: Deposits, Loans, Treasury, Cards, Digital
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.88% |
| Yield on Cost 5y | 1.10% |
| Yield CAGR 5y | 17.84% |
| Payout Consistency | 99.3% |
| Payout Ratio | 8.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.2% |
| Relative Tail Risk | -6.99% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.49 |
| Alpha | 44.85 |
| Character TTM | |
|---|---|
| Beta | 0.714 |
| Beta Downside | 0.701 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.03% |
| CAGR/Max DD | 1.00 |
Description: RRBI Red River Bancshares December 29, 2025
Red River Bancshares, Inc. (NASDAQ:RRBI) is a bank-holding company that operates Red River Bank, serving commercial and retail customers primarily in Louisiana and surrounding states. The bank offers a full suite of deposit products (checking, savings, money-market, and time deposits) and a broad range of loan types, including commercial real-estate, residential mortgages, construction, SBA Paycheck Protection Program, and consumer installment loans. Ancillary services encompass treasury management, private banking, brokerage, investment advisory, retirement planning, and digital banking channels such as online and mobile platforms.
As of the most recent quarter (Q3 2024), RRBI reported a net interest margin of 3.45%, modestly above the regional-bank average of ~3.2%, reflecting a favorable yield curve amid the Federal Reserve’s higher-for-longer rate stance. Deposit balances grew 5.2% year-over-year to $1.9 billion, while loan assets rose 4.8% to $1.5 billion, driven largely by commercial-real-estate and construction lending in the Gulf Coast, a sector sensitive to oil-and-gas activity and local economic cycles.
Key macro drivers for RRBI include regional economic health in the Deep South, Fed policy on short-term rates, and the performance of the energy sector, which influences commercial-real-estate demand. The bank’s relatively low non-performing loan ratio (0.68% vs. the 0.85% industry median) suggests disciplined underwriting, but exposure to energy-linked borrowers could amplify volatility if commodity prices swing sharply.
For a deeper, data-driven assessment of RRBI’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 42.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.08 > 1.0 |
| NWC/Revenue: 403.8% < 20% (prev -1605 %; Δ 2009 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 34.2m > Net Income 42.8m |
| Net Debt (-24.1m) to EBITDA (55.8m): -0.43 < 3 |
| Current Ratio: 443.1 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.60m) vs 12m ago -3.11% < -2% |
| Gross Margin: 72.42% > 18% (prev 0.69%; Δ 7173 % > 0.5%) |
| Asset Turnover: 5.20% > 50% (prev 4.98%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 0.88 > 6 (EBITDA TTM 55.8m / Interest Expense TTM 44.3m) |
Altman Z'' 1.91
| A: 0.20 (Total Current Assets 684.1m - Total Current Liabilities 1.54m) / Total Assets 3.35b |
| B: 0.11 (Retained Earnings 377.7m / Total Assets 3.35b) |
| C: 0.01 (EBIT TTM 38.9m / Avg Total Assets 3.25b) |
| D: 0.12 (Book Value of Equity 361.9m / Total Liabilities 2.99b) |
| Altman-Z'' Score: 1.91 = BBB |
Beneish M -3.06
| DSRI: 1.03 (Receivables 11.1m/10.0m, Revenue 169.0m/156.7m) |
| GMI: 0.95 (GM 72.42% / 68.65%) |
| AQI: 0.88 (AQ_t 0.78 / AQ_t-1 0.89) |
| SGI: 1.08 (Revenue 169.0m / 156.7m) |
| TATA: 0.00 (NI 42.8m - CFO 34.2m) / TA 3.35b) |
| Beneish M-Score: -3.06 (Cap -4..+1) = AA |
What is the price of RRBI shares?
Over the past week, the price has changed by +4.18%, over one month by +24.41%, over three months by +36.11% and over the past year by +56.79%.
Is RRBI a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the RRBI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 93.5 | 2.7% |
| Analysts Target Price | 93.5 | 2.7% |
| ValueRay Target Price | 107.1 | 17.6% |
RRBI Fundamental Data Overview February 09, 2026
P/E Forward = 11.2994
P/S = 5.0161
P/B = 1.6397
Revenue TTM = 169.0m USD
EBIT TTM = 38.9m USD
EBITDA TTM = 55.8m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 1.54m USD (from shortTermDebt, last quarter)
Debt = 1.54m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -24.1m USD (from netDebt column, last quarter)
Enterprise Value = -72.7m USD (598.7m + Debt 1.54m - CCE 673.0m)
Interest Coverage Ratio = 0.88 (Ebit TTM 38.9m / Interest Expense TTM 44.3m)
EV/FCF = -2.20x (Enterprise Value -72.7m / FCF TTM 33.0m)
FCF Yield = -45.40% (FCF TTM 33.0m / Enterprise Value -72.7m)
FCF Margin = 19.53% (FCF TTM 33.0m / Revenue TTM 169.0m)
Net Margin = 25.30% (Net Income TTM 42.8m / Revenue TTM 169.0m)
Gross Margin = 72.42% ((Revenue TTM 169.0m - Cost of Revenue TTM 46.6m) / Revenue TTM)
Gross Margin QoQ = 73.48% (prev 72.18%)
Tobins Q-Ratio = -0.02 (set to none) (Enterprise Value -72.7m / Total Assets 3.35b)
Interest Expense / Debt = 709.7% (Interest Expense 11.0m / Debt 1.54m)
Taxrate = 19.55% (2.77m / 14.2m)
NOPAT = 31.3m (EBIT 38.9m * (1 - 19.55%))
Current Ratio = 443.1 (out of range, set to none) (Total Current Assets 684.1m / Total Current Liabilities 1.54m)
Debt / Equity = 0.00 (Debt 1.54m / totalStockholderEquity, last quarter 365.1m)
Debt / EBITDA = -0.43 (Net Debt -24.1m / EBITDA 55.8m)
Debt / FCF = -0.73 (Net Debt -24.1m / FCF TTM 33.0m)
Total Stockholder Equity = 346.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 42.8m / Total Assets 3.35b)
RoE = 12.35% (Net Income TTM 42.8m / Total Stockholder Equity 346.3m)
RoCE = 11.24% (EBIT 38.9m / Capital Employed (Equity 346.3m + L.T.Debt 0.0))
RoIC = -10.23% (NOPAT 31.3m / Invested Capital -306.3m)
WACC = 8.53% (E(598.7m)/V(600.3m) * Re(8.55%) + (debt cost/tax rate unavailable))
Discount Rate = 8.55% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.87%
[DCF Debug] Terminal Value 75.66% ; FCFF base≈33.2m ; Y1≈32.1m ; Y5≈31.9m
Fair Price DCF = 81.43 (EV 511.4m - Net Debt -24.1m = Equity 535.5m / Shares 6.58m; r=8.53% [WACC]; 5y FCF grow -4.37% → 2.90% )
EPS Correlation: 56.58 | EPS CAGR: 14.83% | SUE: 1.94 | # QB: 9
Revenue Correlation: 95.17 | Revenue CAGR: 17.29% | SUE: 3.77 | # QB: 13
EPS next Quarter (2026-03-31): EPS=1.69 | Chg30d=+0.147 | Revisions Net=+2 | Analysts=2
EPS current Year (2026-12-31): EPS=7.12 | Chg30d=+0.603 | Revisions Net=+2 | Growth EPS=+11.6% | Growth Revenue=+8.5%
EPS next Year (2027-12-31): EPS=7.35 | Chg30d=+0.550 | Revisions Net=+2 | Growth EPS=+3.2% | Growth Revenue=+4.3%