Red River Bancshares, Inc. (RRBI) AI Stock Analysis

Red River Bancshares, Inc. serves as the holding company for Red River Bank, a financial institution established in 1998 and headquartered in Alexandria, Louisiana. The bank provides commercial enterprises and individual clients with deposit products including checking, savings, money market accounts, and time deposits. Its lending portfolio covers commercial real estate loans, residential mortgages, home equity lines of credit, and small business administration loans. Red River Bancshares also provides treasury management, private banking, brokerage services, investment advisory, and retirement planning solutions through online and mobile banking, along with 27 banking centers, ATMs, and drive-through facilities across Louisiana.

Annual revenue grew from $100.8M in FY2021 to $112.5M in FY2022, declined 3.6% to $108.5M in FY2023, and rose to $156.8M in FY2024 and $169.8M in FY2025, reflecting a 5-year revenue CAGR of 11.3%. Net income increased from $33.0M in FY2021 to $42.8M in FY2025, with net margin moving from 32.7% to 25.2%. Operating margin stood at 31.3% in FY2025 compared to 39.7% in FY2021. For the trailing twelve months ended June 30, 2026, revenue reached $128.8M and profit margin was 35.7%. In the latest quarter, quarterly revenue growth was 9.5% year-over-year and quarterly earnings growth reached 17.9%.

As of June 30, 2026, Red River Bancshares held $934.0M in cash and short-term investments against total debt of $1.4M, resulting in net cash of $932.6M. Shareholders' equity was $384.6M within total assets of $3.31B, yielding a debt-to-equity ratio of 0.00 and a current ratio of 0.33. During FY2025, operating cash flow was $44.8M and free cash flow was $42.2M. The company deployed cash toward capital expenditures of $2.6M, share buybacks of $11.1M, and dividends paid of $3.6M, while reducing its 5-year share count by 8.8%.

RRBI traded at a trailing P/E of 14.6x and a forward P/E of 11.3x at a market cap of $666.8M. These multiples compare to a trailing P/E of 12.1x and forward P/E of 10.8x for the median of its US-listed Financial Services peers. The stock has a price-to-sales ratio of 5.2x versus the peer median of 3.2x, and a price-to-book ratio of 1.7x. Over the past year, RRBI gained 60.1% compared to a 16.8% return for the S&P 500 (SPY), and its 5-year return of 103.3% exceeded the benchmark's 83.0% return.

The company pays a quarterly dividend with an annualized forward payout of $1.00 per share, representing a dividend yield of 0.99% as of October 16, 2026. Its payout ratio is 13.0%, with dividends paid for 7 consecutive years and a 5-year annualized dividend growth rate of 17.6%. The last ex-dividend date was September 8, 2026.

Wall Street coverage consists of 1 Strong Buy, 0 Buy, 2 Hold, 0 Sell, and 0 Strong Sell ratings. The mean price target of $110.00 indicates an implied upside of 8.6% from the last close of $101.27. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $7.29 on revenue of $135.9M. The company beat EPS estimates in each of the last 4 quarters, and its next earnings report is scheduled for October 29, 2026.

This page is an AI-written research summary of Red River Bancshares, Inc. (RRBI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: RRBI income statement, RRBI balance sheet, RRBI key metrics, RRBI analyst forecast, RRBI chart. See the RRBI stock overview for the latest quote and news.