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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. In the quarter to June 2026, revenue grew 6.30%, EPS grew 18.5% and free cash flow grew 237.3%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.

101.27 0.10 +0.10%
Market cap
$666.1M
P/E
14.5×
Fwd P/E
12.5×
Dividend yield
0.89%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.36
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 — — 2 — — 1 — — 1 — —
Sell — — — — — — — — — — — —
Insider Ownership 24.83%

Capital & Financial Ratios $m

Market Cap 666.12
Revenue 175.06
Net Income 45.95
Free Cash Flow 51.95
Net Debt (195.40)
Current Ratio 0.84
Debt/Equity 0.00
P/E ratio 14.51
Fwd P/E 12.50
P/S ratio 3.81
P/B ratio 1.73
Past 5Y EPS Growth 10.75%
This Y EPS Growth 14.32%
Next Y EPS Growth 5.35%
Next Y revenue growth (19.99%) (below 0%: weak)
Next 5Y EPS Growth 8.46%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 94.24%
10-year low 10-year high
P/S against its own 10 years 82.83%
10-year low 10-year high
P/B against its own 10 years 98.29%
10-year low 10-year high

Dividends

Payout Ratio 0.13
Annual Dividend Rate 0.90
Annual Dividend Yield 0.89%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.00
0.25
0.25
0.25
2025 0.54
0.12
0.12
0.15
0.15
2024 0.36
0.09
0.09
0.09
0.09
2023 0.32
0.08
0.08
0.08
0.08
2022 0.28
0.07
0.07
0.07
0.07
2021 0.28
0.07
0.07
0.07
0.07
2020 0.24
0.06
0.06
0.06
0.06
2019 Powerpack
2018 Powerpack
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 305 269 213 195
Receivables — — — —
Inventory — — — —
Other — — — —
2,288 2,335 2,453 2,447
2023 2024 2025 Q'26
Payables 2,802 2,805 2,963 2,905
ST’ Debt — — — —
Other — — — —
2,821 2,827 2,984 2,925

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%

Revenue $m

Mar Jun Sep Dec Year
’26 44 44 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 1.81 1.78 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — 42.35 29.90 46.10 47.09 43.50 42.78 46.33

Analyst estimates 2026–2028

Powerpack
High — — — 59.00 58.90 65.07 60.57 58.00 62.13 78.01
People
People Employees — — 320 325 336 358 351 362 369 375
Revenue/emp, $m 0.00 0.00 0.25 0.28 0.30 0.28 0.32 0.39 0.43 0.45
Income, $m
Income, $m Revenue 62 65 81 90 101 102 113 140 158 170
Gross margin, % 0.00 0.00 90.61 88.76 91.67 94.48 93.16 77.00 69.60 73.90
EBT 21 23 28 30 34 40 45 43 42 53
EBT margin, % 33.52 34.90 34.83 33.96 34.28 39.34 39.76 30.74 26.88 31.28
Net income 15 14 23 25 28 33 37 35 34 43
Depreciation — — 3 4 6 5 3 3 3 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
Earnings 2.07 1.92 3.43 3.51 3.84 4.53 5.14 4.87 4.96 6.40
Cash flow 2.65 2.58 3.87 3.74 1.75 8.55 6.39 5.60 5.55 6.71
Capex 0.00 0.00 (0.81) (0.53) (0.96) (0.40) (1.18) (0.68) (0.71) (0.38)
Free cash flow 2.65 2.58 3.06 3.21 0.79 8.15 5.21 4.91 4.84 6.32
Book value 20.82 24.38 28.84 35.61 38.99 40.95 37.01 42.41 46.35 54.69
Shares, m 7 7 7 7 7 7 7 7 7 7
Valuation, ×
Valuation, × P/E 14.30 14.30 14.30 15.98 12.90 11.81 9.26 11.49 10.86 11.14
P/S 3.97 3.97 3.97 4.42 3.61 3.83 3.02 2.87 2.36 2.81
P/B 1.65 1.65 1.65 1.57 1.27 1.31 1.29 1.32 1.16 1.31
EV/Sales 1.99 1.99 1.99 2.98 (0.80) (3.85) 0.60 1.11 1.04 1.90
EV/FCF 7.46 7.46 7.46 11.79 (13.95) (6.61) 1.80 4.42 4.89 7.66
Cash, $m
Cash, $m Operating cash flow 19 19 26 26 13 62 46 40 38 45
Capex (1) (3) (5) (4) (7) (3) (8) (5) (5) (3)
Free cash flow 19 19 21 23 6 59 37 35 33 42
Balance, $m
Balance, $m Working capital — — (180) (163) (299) (463) (629) (533) (492) (531)
Total debt 12 12 11 4 4 3 4 — — —
Net debt 12 12 (141) (133) (447) (785) (278) (305) (269) (213)
Shareholders’ equity 152 178 194 252 285 298 266 304 320 365
Returns, %
Returns, % ROA 0.90 0.83 1.29 1.29 1.22 1.12 1.17 1.12 1.09 1.32
ROIC 0.00 0.00 33.34 16.05 0.00 0.00 0.00 0.00 52.18 21.88
ROE 9.15 8.48 12.41 11.14 10.47 11.29 13.09 12.25 10.98 12.49
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
TCBX Third Coast Bancshares, Inc. $689.5M 8.8× 10.6× +24.52% (above 0%: growing) +11.61% (above 0%: growing) +223.46% (above 0%: growing) 59.80% 0.00% Compare
AROW Arrow Financial Corporation $681.7M 11.9× 13.8× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
PFIS Peoples Financial Services Corp. $681.2M 12.0× 9.2× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
CARE Carter Bankshares, Inc. $671.8M 5.2× 4.6× +44.00% (above 0%: growing) +254.05% (above 0%: growing) −3,522.21% (below 0%: shrinking) 76.12% 0.00% Compare
MSBI Midland States Bancorp, Inc. $670.3M 20.7× 9.1× −7.83% (below 0%: shrinking) +86.36% (above 0%: growing) +9.48% (above 0%: growing) 74.46% 0.00% Compare
RRBI Red River Bancshares, Inc. $666.1M 14.5× 12.5× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00%
CCB Coastal Financial Corporation $656.9M — (loss-making) 16.0× +37.72% (above 0%: growing) n/m +16.72% (above 0%: growing) 85.92% 0.00% Compare
ACNB ACNB Corporation $642.5M 12.0× 10.1× +4.47% (above 0%: growing) +35.14% (above 0%: growing) −125.12% (below 0%: shrinking) 81.56% 0.00% Compare
CBNK Capital Bancorp, Inc. $642.3M 11.5× 9.6× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
Median of peers $671.0M 11.9× 9.8× +6.54% +11.61% +13.10% 75.29% 0.00%

All 323 Banks Regional stocks →

Red River Bancshares, Inc. (RRBI) key facts

  • Strength: Red River Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $169.9 million, up 7.72% from fiscal 2024.
  • Strength: Net income was $42.8 million, or $6.40 per share (basic), a net margin of 25.2%.
  • Red River Bancshares, Inc. (RRBI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, RRBI traded at $101.27, a market capitalization of $666.1 million.
  • At that price the stock trades at 14.5× trailing-twelve-month earnings and 3.8× sales; its P/E is higher than 94% of its own readings over the past ten years.
  • Red River Bancshares, Inc. pays an annual dividend of $0.90 per share, a yield of 0.89%, with a payout ratio of 13.0%.
  • Return on equity was 12.5% and debt-to-equity 0.00.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Red River Bancshares, Inc. (RRBI) Latest News

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stockrow.com/RRBI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com