Red River Bancshares, Inc. (RRBI) Stock Analysis
Financial Services · Banks - Regional · NasdaqGS
Red River Bancshares, Inc. (RRBI) posted $124.39M in revenue for fiscal 2025 (up 14.3% year over year), at a 34.4% net margin, per its SEC filings.
Data last refreshed September 3, 2026 from SEC filings · how we compute this
The analyst's take on Red River Bancshares, Inc.
Red River Bancshares, Inc. has grown revenue from — to $124.39M over the last 8 fiscal years. The most recent year was up 14.3%.
Net margin sits at 34.4%, up 2.9 points year over year. It returns cash through a dividend yielding about 0.86%.
At today's valuation the market is pricing in roughly 3.1% annual free-cash-flow growth — versus the 48.9% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven. It clears 7 of 7 deterministic health checks. Nothing in the filed statements trips our red-flag scan.
Synthesised from Red River Bancshares, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
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Red River Bancshares, Inc. revenue & earnings — last 8 fiscal years
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | $104.73M | $106.57M | $108.84M | $124.39M |
| Gross profit | — | — | — | — | — | — | — | — |
| Net income | $23.06M | $24.82M | $28.14M | $32.95M | $36.92M | $34.88M | $34.23M | $42.76M |
| Net margin | — | — | — | — | 35.2% | 32.7% | 31.5% | 34.4% |
Source: Red River Bancshares, Inc. SEC filings (10-K).
Red River Bancshares, Inc. financial health: 7 of 7 checks passed
- ✓Profitable every year (last 5)
- ✓Net margin above 10% (34.4%)
- ✓More cash than total debt (cash 217.8M vs debt 0M)
- ✓Positive operating cash flow (last 5 yrs)
- ✓Free cash flow positive (latest yr) (42.2M)
- ✓Share count falling over 5 yrs (buybacks) (7.3M → 6.6M shares)
- ✓Pays a dividend (8 consecutive yrs in our data)
Checks computed deterministically from filed annual statements — no AI judgement.
Red River Bancshares, Inc.: no obvious red flags in the filings
Our deterministic scan of the filed statements — receivables vs sales, earnings vs cash, dilution, leverage and margins — didn't flag anything. Ask about the risks →
What growth is priced into RRBI stock?
At today's market cap of $600.92M, Red River Bancshares, Inc. is priced for free-cash-flow growth of about 3.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $42.21M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 48.9%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 8 years of Red River Bancshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Red River Bancshares, Inc. financial history
About Red River Bancshares, Inc.
Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to commercial and retail customers in the United States. The company offers various deposit products, including checking, saving, money market accounts, and time deposits. It provides commercial real estate loans; one-to-four family mortgage loans and home equity lines of credit; construction and development loans; commercial and industrial loans; small business administration paycheck protection program loans; tax-exempt loans; consumer loans to individuals for personal, family, and household purposes, including secured and unsecured installment and term loans; home mortgage loans; and lines of credit and standby letters of credit. In addition, the company offers treasury management, private banking, and brokerage; investment advisory, financial planning, and a suite of retirement plans; debit and credit cards, direct deposits, cashier's checks, and wire transfer services; online banking services, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and banking services in person, through ATMs, drive-through facilities, night deposits, telephone, mail, mobile banking, and remote deposits. Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.
Red River Bancshares, Inc. — frequently asked questions
What is Red River Bancshares, Inc.'s revenue?
Red River Bancshares, Inc. (RRBI) reported revenue of $124.39M for fiscal year 2025, up 14.3% from the prior year, according to its SEC filings.
Is Red River Bancshares, Inc. profitable?
Yes. RRBI earned net income of $42.76M in fiscal 2025, a net margin of 34.4%.
What is RRBI's P/E ratio?
Red River Bancshares, Inc. trades at a price-to-earnings ratio of about 13.7 based on the latest data in our nightly-refreshed cache.
Does Red River Bancshares, Inc. pay a dividend?
Yes, RRBI pays a dividend — the yield is about 0.86%.
What is Red River Bancshares, Inc.'s market cap?
Red River Bancshares, Inc. (RRBI) has a market capitalization of about $600.92M, based on the latest data in our nightly-refreshed cache.
When does Red River Bancshares, Inc.'s fiscal year end?
RRBI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into RRBI stock?
At today's market cap of $600.92M, Red River Bancshares, Inc. is priced for free-cash-flow growth of about 3.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $42.21M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 48.9%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Red River Bancshares, Inc.'s official SEC filings (10-K and 10-Q), covering 8 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.