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Red River Bancshares, Inc.

RRBI Financial Banks Regional

Red River Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $169.9 million, up 7.72% from fiscal 2024.

Revenue
+5.90%
EPS
+17.2%
Free cash flow
+237.3%

Quarter to September 2026, against a year earlier

104.74 2.94 −2.73%
Market cap
$687.9M
P/E
14.4×
Fwd P/E
14.2×
Dividend yield
0.86%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.41
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 — — 1 — — 1 — — 1
Sell — — — — — — — — — — — —
Insider Ownership 24.82%

Capital & Financial Ratios $m

Size
Market Cap 687.91
Revenue ttm 177.61
Net income ttm 47.71
Free cash flow ttm 56.01
Net debt Q (205.05)
Valuation
P/E 14.43
Forward P/E 14.20
Price / sales 3.88
Forward P/S Powerpack
Price / FCF 13.35
Price / book 1.80
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +5.90% (above 0%: growing)
Operating income growth Q +16.76% (above 0%: growing)
EPS, this year +15.94% (at or above 15%: strong)
EPS, next year A +6.22%
Revenue, next year A −19.99% (below 0%: weak)
EPS, past 5 yrs +10.75%
EPS, next 5 yrs A +9.62%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 93.86%
10-year low 10-year high
P/S against its own 10 years 89.99%
10-year low 10-year high
P/B against its own 10 years 99.84%
10-year low 10-year high

Dividends raised 3 years running

Yield
0.86%
Annual rate
0.90
Payout ratio
12.5%
Growth, 2020–25
+17.6%/yr
  1. 0.24 ’20
  2. 0.28 ’21 +17
  3. 0.28 ’22 +0
  4. 0.32 ’23 +14
  5. 0.36 ’24 +13
  6. 0.54 ’25 +50
  7. 1.00 ’26e +85
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 305 269 213 205
Receivables — — — —
Inventory — — — —
Other — — — —
2,288 2,335 2,453 —
2023 2024 2025 Q'26
Payables 2,802 2,805 2,963 2,962
ST’ Debt — — — —
Other — — — —
2,821 2,827 2,984 2,982

Compound Annual Growth %

10y 5y 3y
Sales — 11.06% 14.51%
Cash Flow — 28.47% (0.79%)
Earnings — 8.73% 5.02%
Book Value — 5.05% 11.17%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.83 Actual 1.90

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.63 1.73 Beat by 0.10
Q1 FY26 1.69 1.81 Beat by 0.12
Q2 FY26 1.77 1.78 Beat by 0.01
Q3 FY26 1.83 1.90 Beat by 0.07
Q4 FY26 1.87 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.81 1.78 1.90 — —
’25 1.52 1.51 1.63 1.73 6.38
’24 1.16 1.16 1.27 1.37 4.95
’23 1.33 1.25 1.12 1.16 4.86
’22 1.03 1.27 1.42 1.42 5.13
’21 1.10 1.13 1.12 1.17 4.51
’20 0.92 0.93 0.99 0.99 3.83
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 44 44 46 — —
’25 41 41 43 44 170
’24 38 39 40 41 158
’23 32 34 36 37 140
’22 24 27 30 32 113
’21 26 25 25 26 102
’20 23 25 26 27 101
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 17 12 16 — —
’25 14 4 16 11 45
’24 14 2 17 4 38
’23 13 5 14 8 40
’22 9 9 17 11 46
’21 24 11 15 12 62
’20 9 2 (2) 4 13
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 15 12 16 — —
’25 14 4 16 9 42
’24 13 1 17 2 33
’23 12 4 13 7 35
’22 6 7 16 8 37
’21 24 10 14 11 59
’20 8 1 (5) 1 6
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 62 65 81 90 101 102 113 140 158 170 178 +11.9% 136 143 152 (3.7%)
Gross margin, % 0.00 0.00 90.61 88.76 91.67 94.48 93.16 77.00 69.60 73.90 75.81 +73.9 pt
EBT 21 23 28 30 34 40 45 43 42 53 59 +11.0%
EBT margin, % 33.52 34.90 34.83 33.96 34.28 39.34 39.76 30.74 26.88 31.28 33.45 (2.2) pt
Net income 15 14 23 25 28 33 37 35 34 43 48 +12.3%
Per share, $
Per share, $ Revenue 8.46 8.84 12.12 12.68 13.73 13.99 15.75 19.50 22.86 25.44 26.98 +13.0%
Earnings 2.07 1.92 3.43 3.51 3.84 4.53 5.14 4.87 4.96 6.40 7.26 +13.4%
Cash flow 2.65 2.58 3.87 3.74 1.75 8.55 6.39 5.60 5.55 6.71 8.51 +10.9%
Capex 0.00 0.00 (0.81) (0.53) (0.96) (0.40) (1.18) (0.68) (0.71) (0.38) 0.00 n/m
Free cash flow 2.65 2.58 3.06 3.21 0.79 8.15 5.21 4.91 4.84 6.32 8.51 +10.2%
Book value 20.82 24.38 28.84 35.61 38.99 40.95 37.01 42.41 46.35 54.69 58.05 +11.3%
Shares, m 7 7 7 7 7 7 7 7 7 7 7 (1.0%)
Valuation, ×
Valuation, × P/E 14.30 14.30 14.30 15.98 12.90 11.81 9.26 11.49 10.86 11.14 14.43 12.6
P/S 3.97 3.97 3.97 4.42 3.61 3.83 3.02 2.87 2.36 2.81 3.88 3.5
P/B 1.65 1.65 1.65 1.57 1.27 1.31 1.29 1.32 1.16 1.31 1.80 1.4
EV/Sales 1.99 1.99 1.99 2.98 (0.80) (3.85) 0.60 1.11 1.04 1.90 — 0.9
EV/FCF 7.46 7.46 7.46 11.79 (13.95) (6.61) 1.80 4.42 4.89 7.66 — 3.2
Cash, $m
Cash, $m Operating cash flow 19 19 26 26 13 62 46 40 38 45 56 +9.8%
Capex (1) (3) (5) (4) (7) (3) (8) (5) (5) (3) (4) +18.1%
Free cash flow 19 19 21 23 6 59 37 35 33 42 56 +9.1%
Balance, $m
Balance, $m Working capital — — (180) (163) (299) (463) (629) (533) (492) (531) (2,982) +16.7%
Net debt 12 12 (141) (133) (447) (785) (278) (305) (269) (213) (205) n/m
Shareholders’ equity 152 178 194 252 285 298 266 304 320 365 382 +10.2%
Returns, %
Returns, % ROA 0.90 0.83 1.29 1.29 1.22 1.12 1.17 1.12 1.09 1.32 1.45 +0.4 pt
ROIC 0.00 0.00 33.34 16.05 0.00 0.00 0.00 0.00 52.18 21.88 20.96 +21.9 pt
ROE 9.15 8.48 12.41 11.14 10.47 11.29 13.09 12.25 10.98 12.49 13.01 +3.3 pt
People
People Employees — — 320 325 336 358 351 362 369 375 — +2.3%
Revenue/emp, $m 0.00 0.00 0.25 0.28 0.30 0.28 0.32 0.39 0.43 0.45 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Red River Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AROW Arrow Financial Corporation $715.6M 12.5× 13.6× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
CWBC Community West Bancshares $707.1M 14.0× 15.8× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00% Compare
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
RRBI Red River Bancshares, Inc. $687.9M 15.0× 14.2× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00%
ACNB ACNB Corporation $666.0M 12.1× 11.3× +6.05% (above 0%: growing) +8.39% (above 0%: growing) −101.87% (below 0%: shrinking) 81.15% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
MSBI Midland States Bancorp, Inc. $657.4M 14.0× 9.6× −1.90% (below 0%: shrinking) +295.83% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
Median of peers $691.4M 12.5× 12.0× +7.29% +9.26% −5.69% 75.12% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.13m 1.17m 137.22
2024 1.14m 1.15m 102.80
2023 1.06m 1.07m 106.11
2022 902.84k 901.36k 95.95

Ownership

Directors and executive officers, together 16.60%
Simeon A. Thibeaux, Trustee 7.60%
Teddy R. Price 6.80%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Red River Bancshares, Inc. (RRBI) Latest News

30 Oct

Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire
Impact 3 · · GlobeNewswire

23 Oct

Impact 4 · · GlobeNewswire

22 Oct

Impact 3 · · Zacks

30 Jul

Impact 3 ·
Impact 3 ·

30 Apr

Impact 4 · · Zacks
Impact 4 · · Zacks
Impact 4 · · GlobeNewswire

26 Feb

Impact 3 · · GlobeNewswire

6 Feb

Impact 3 · · Zacks

3 Feb

Impact 4 · · Zacks

30 Jan

Impact 4 · · Zacks
Impact 4 · · ZacksAssociated Press Finance
Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire

21 Jan

Impact 4 · · Simply Wall St.

15 Jan

Impact 3 · · Simply Wall St.Simply Wall St.MT NewswiresSimply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

18 Dec

Impact 3 · · GlobeNewswireMT NewswiresMT NewswiresMT NewswiresMT NewswiresSimply Wall St.MT NewswiresMT Newswires

11 Nov

Impact 4 · · Simply Wall St.

3 Nov

Impact 4 · · ZacksZacksZacks

31 Oct

Impact 4 · · Simply Wall St.

10 Oct

Impact 4 · · Simply Wall St.

8 Oct

Impact 3 · · Simply Wall St.

22 Sep

Impact 3 · · Zacks

11 Sep

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

14 Aug

Impact 3 ·
stockrow.com/RRBI · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com