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RRBIRed River Bancshares, Inc.$90.6200$596M
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RRBI logoRed River Bancshares, Inc.(RRBI)Earnings, Financials & Key Ratios

RRBI•NASDAQ•Banking & Credit
14.2× P/E·Price updated Jun 1, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutRed 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 Louisiana. The company provides various deposit products, including checking, saving, money market accounts, and time deposits. It also offers 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 provides 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. It operates a network of 27 banking centers throughout Louisiana and two combined loan and deposit production offices in Lafayette and New Orleans, Louisiana. The company was incorporated in 1998 and is headquartered in Alexandria, Louisiana.Show more
  • Net Interest Income$106M+18.3%
  • Total Revenue$170M+8.3%
  • Net Income$43M+24.9%
  • Return on Equity12.49%+13.7%
  • Net Interest Margin3.15%+11.2%
  • Efficiency Ratio41.27%-0.9%
  • ROA1.32%+20.6%
  • Equity / Assets10.9%+7.3%
  • Book Value per Share54.46+17.8%
  • Tangible BV/Share54.23+17.9%
  • Debt/Equity0.00-52.8%

RRBI Key Insights

Red River Bancshares, Inc. (RRBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 41.3% efficiency ratio
  • ✓Well capitalized: 10.9% equity/assets
  • ✓Share count reduced 3.1% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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RRBI Price & Volume

Red River Bancshares, Inc. (RRBI) stock price & volume — 10-year historical chart

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RRBI Growth Metrics

Red River Bancshares, Inc. (RRBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years11.29%
3 Years14.73%
TTM-

Profit CAGR

10 Years-
5 Years8.73%
3 Years5.02%
TTM24.91%

EPS CAGR

10 Years-
5 Years10.75%
3 Years7.54%
TTM28.83%

Return on Capital

10 Years12.25%
5 Years14.31%
3 Years14.1%
Last Year14.79%

RRBI Recent Earnings

Red River Bancshares, Inc. (RRBI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (100%)●Beat Revenue 5/12 qtrs (56%)
Q2 2026Latest
Apr 30, 2026
EPS
$1.81
Est $1.69
+7.1%
Revenue
$33M
Est $33M
-0.3%
Q2 2026
Mar 12, 2026
EPS
$1.73
Revenue
$44M
Q1 2026
Jan 30, 2026
EPS
$1.73
Est $1.63
+6.1%
Revenue
$33M
Est $32M
+3.1%
Q4 2025
Oct 30, 2025
EPS
$1.63
Est $1.54
+5.8%
Revenue
$32M
Est $32M
-2.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$1.81vs $1.69+7.1%
$33Mvs $33M-0.3%
Q2 2026Mar 12, 2026
$1.73
$44M
Q1 2026Jan 30, 2026
$1.73vs $1.63+6.1%
$33Mvs $32M+3.1%
Q4 2025Oct 30, 2025
$1.63vs $1.54+5.8%
$32Mvs $32M-2.0%
Based on last 12 quarters of dataView full earnings history →

RRBI Peer Comparison

Red River Bancshares, Inc. (RRBI) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.19B26.3513.119.47%10.86%0.30
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.58B32.1720.6218.79%13.25%0.12
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.05B21.05-7.14-56.66%-11.63%0.19
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.58B12.3226.78-3.23%2.62%0.17
CTBI logoCTBICommunity Trust Bancorp, Inc.Direct Competitor1.2B66.0414.3215.23%11.22%0.42
BOKF logoBOKFBOK Financial CorporationProduct Competitor9.62B124.8215.3310.4%8.91%0.80
IBCP logoIBCPIndependent Bank CorporationProduct Competitor695.18M33.7710.33-0.3%14.2%0.23
TCBK logoTCBKTriCo BancsharesProduct Competitor1.6B49.7113.401.78%9.43%0.06

Compare RRBI vs Peers

Red River Bancshares, Inc. (RRBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HOMB

Most directly comparable listed peer for RRBI.

Scale Benchmark

vs NDAQ

Larger-name benchmark to compare RRBI against a more recognizable public peer.

Peer Set

Compare Top 5

vs HOMB, FFIN, SFNC, HOPE

RRBI Income Statement

Red River Bancshares, Inc. (RRBI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
51.82M59.2M63.6M68.98M71.71M86.6M86.28M89.2M105.56M
NII Growth %
-14.25%7.44%8.45%3.96%20.76%-0.36%3.38%18.34%
Net Interest Margin %
3.01%3.18%3.2%2.61%2.22%2.81%2.76%2.83%3.15%
Interest Income
58.38M66.85M73.69M77.36M77.33M94.33M118.41M137.13M149.89M
Interest Expense
6.56M7.65M10.09M8.38M5.62M7.74M32.13M47.94M44.33M
Loan Loss Provision
1.55M1.99M1.81M6.29M1.9M1.75M735K1.2M2.3M
Non-Interest Income
11.68M13.71M14.86M22.14M23.49M18.13M20.29M19.64M19.96M
Non-Interest Income %
16.67%17.02%16.78%22.25%23.3%16.12%14.63%12.53%11.75%
Total Revenue
70.06M▲ 0%
80.56M▲ 15.0%
88.55M▲ 9.9%
99.49M▲ 12.4%
100.82M▲ 1.3%
112.46M▲ 11.6%
138.7M▲ 23.3%
156.78M▲ 13.0%
169.85M▲ 8.3%
Revenue Growth %
2.7%15%9.91%12.36%1.33%11.55%23.33%13.03%8.34%
Non-Interest Expense
39.41M42.57M46.19M50.35M53.24M58M62.89M65.26M70.09M
Efficiency Ratio
56.26%52.84%52.16%50.61%52.81%51.57%45.34%41.63%41.27%
Operating Income
22.53M▲ 0%
28.36M▲ 25.9%
30.46M▲ 7.4%
34.47M▲ 13.1%
40.06M▲ 16.2%
44.98M▲ 12.3%
42.94M▼ 4.5%
42.38M▼ 1.3%
53.13M▲ 25.4%
Operating Margin %
32.16%35.2%34.4%34.64%39.74%40%30.96%27.03%31.28%
Operating Income Growth %
-28.12%25.85%7.43%13.14%16.22%12.28%-4.53%-1.31%25.35%
Pretax Income
22.53M▲ 0%
28.36M▲ 25.9%
30.46M▲ 7.4%
34.47M▲ 13.1%
40.06M▲ 16.2%
44.98M▲ 12.3%
42.94M▼ 4.5%
42.38M▼ 1.3%
53.13M▲ 25.4%
Pretax Margin %
32.16%35.2%34.4%34.64%39.74%40%30.96%27.03%31.28%
Income Tax
8.55M5.3M5.64M6.32M7.11M8.06M8.06M8.15M10.36M
Effective Tax Rate %
37.93%18.69%18.51%18.34%17.74%17.93%18.78%19.22%19.5%
Net Income
13.98M▲ 0%
23.06M▲ 64.9%
24.82M▲ 7.7%
28.14M▲ 13.4%
32.95M▲ 17.1%
36.92M▲ 12.0%
34.88M▼ 5.5%
34.23M▼ 1.8%
42.76M▲ 24.9%
Net Margin %
19.96%28.62%28.03%28.29%32.69%32.83%25.15%21.84%25.18%
Net Income Growth %
-7.4%64.86%7.67%13.38%17.08%12.03%-5.52%-1.85%24.91%
Net Income (Continuing)
13.98M23.06M24.82M28.14M32.95M36.92M34.88M34.23M42.76M
EPS (Diluted)
1.94▲ 0%
3.20▲ 64.9%
3.49▲ 9.1%
3.83▲ 9.7%
4.51▲ 17.8%
5.13▲ 13.7%
4.86▼ 5.3%
4.95▲ 1.9%
6.38▲ 28.9%
EPS Growth %
-6.28%64.95%9.06%9.74%17.75%13.75%-5.26%1.85%28.89%
EPS (Basic)
1.943.203.513.844.535.144.874.966.40
Diluted Shares Outstanding
7.21M7.21M7.12M7.34M7.3M7.2M7.18M6.92M6.71M

RRBI Balance Sheet

Red River Bancshares, Inc. (RRBI) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
405.01M459.78M468.87M945.41M1.44B892.8M875.52M286.82M217.83M
Cash & Due from Banks
59.67M151.91M133.29M447.2M784.86M278.39M305.43M268.98M213.39M
Short Term Investments
345.34M307.88M335.57M498.21M659.18M614.41M570.09M17.84M4.44M
Total Investments
1.59B1.63B1.77B2.11B2.34B2.68B2.69B2.74B3B
Investments Growth %
1538.73%2.36%8.53%18.88%11.12%14.37%0.51%2%9.51%
Long-Term Investments
1.25B1.32B1.44B1.61B1.68B2.06B2.12B2.73B3B
Accounts Receivables
4.93M5.01M5.25M6.88M6.25M8.83M9.95M10.05M11.13M
Goodwill & Intangibles
001.55M1.55M1.55M1.55M1.55M1.55M1.55M
Goodwill
0001.55M001.55M1.55M1.55M
Intangible Assets
001.55M01.55M1.55M000
PP&E (Net)
35.9M39.69M46.3M51.08M51.8M58.52M60.72M62.17M60.76M
Other Assets
29.53M30.62M30.9M30.64M40.84M59.69M61.82M63.81M60.3M
Total Current Assets
409.94M464.8M474.12M952.29M1.45B901.63M885.46M296.87M228.96M
Total Non-Current Assets
1.31B1.4B1.51B1.69B1.77B2.18B2.24B2.85B3.12B
Total Assets
1.72B▲ 0%
1.86B▲ 7.9%
1.99B▲ 6.9%
2.64B▲ 32.9%
3.22B▲ 22.0%
3.08B▼ 4.4%
3.13B▲ 1.5%
3.15B▲ 0.7%
3.35B▲ 6.4%
Asset Growth %
4.83%7.91%6.86%32.91%22.03%-4.4%1.5%0.66%6.39%
Return on Assets (ROA)
0.83%1.29%1.29%1.22%1.12%1.17%1.12%1.09%1.32%
Accounts Payable
1.5M1.76M2.22M1.77M1.31M1.56M8M7.58M6.13M
Total Debt
11.52M11.34M4.6M4.23M3.84M4.26M3.77M2.86M1.54M
Net Debt
-48.14M-140.56M-128.69M-442.97M-781.02M-274.13M-301.66M-266.11M-211.85M
Long-Term Debt
11.52M11.34M0000000
Short-Term Debt
000000000
Other Liabilities
00000011.3M14.3M14.68M
Total Current Liabilities
1.53B1.66B1.73B2.35B2.92B2.81B2.81B2.81B2.97B
Total Non-Current Liabilities
11.52M11.34M4.6M4.23M3.84M4.26M15.07M17.17M16.22M
Total Liabilities
1.55B1.67B1.74B2.36B2.93B2.82B2.82B2.83B2.99B
Total Equity
178.1M▲ 0%
193.7M▲ 8.8%
251.9M▲ 30.0%
285.48M▲ 13.3%
298.15M▲ 4.4%
265.75M▼ 10.9%
303.85M▲ 14.3%
319.74M▲ 5.2%
365.15M▲ 14.2%
Equity Growth %
17.31%8.76%30.04%13.33%4.44%-10.87%14.34%5.23%14.2%
Equity / Assets (Capital Ratio)
10.33%10.41%12.67%10.8%9.25%8.62%9.71%10.15%10.9%
Return on Equity (ROE)
8.48%12.4%11.14%10.47%11.29%13.09%12.25%10.98%12.49%
Book Value per Share
24.7026.8635.4038.8740.8436.9242.3146.2254.46
Tangible BV per Share
24.7026.8635.1838.6640.6336.7142.0945.9954.23
Common Stock
45.54M41.09M68.08M68.06M60.23M60.05M55.14M38.66M27.54M
Additional Paid-in Capital
01.04M1.27M1.54M1.81M2.09M2.41M2.78M3.22M
Retained Earnings
137.95M159.07M182.57M208.96M239.88M274.78M306.8M338.55M377.73M
Accumulated OCI
-5.38M-7.51M-24K6.92M-3.77M-71.17M-60.49M-60.25M-43.34M
Treasury Stock
000000000
Preferred Stock
000000000

RRBI Cash Flow Statement

Red River Bancshares, Inc. (RRBI) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
20.09M26.02M26.44M12.8M62.26M45.87M40.11M38.28M40.11M
Operating CF Growth %
3.95%29.47%1.65%-51.6%386.51%-26.33%-12.55%-4.55%4.77%
Net Income
13.98M23.06M24.82M28.14M32.95M36.92M34.88M34.23M42.76M
Depreciation & Amortization
2.04M2.04M2.35M2.41M2.55M2.61M2.75M3.22M0
Deferred Taxes
1.97M-452K-556K130K-773K313K-330K764K0
Other Non-Cash Items
3.26M2.68M2.13M8.45M2.94M4.57M-798K1.89M1.32M
Working Capital Changes
-1.35M-1.6M-2.62M-26.68M24.35M1.1M3.25M-2.25M-3.98M
Cash from Investing
-145.9M-47.65M-134.82M-316.26M-284.68M-438.7M-8.74M-59.16M-8.74M
Purchase of Investments
-168.21M-20.76M-145.64M-421.5M-393.67M-324.43M-99.05M-129.72M0
Sale/Maturity of Investments
127.21M59.21M126M263.86M213.26M126.27M172.24M158.16M0
Net Investment Activity
-41M38.45M-19.64M-157.64M-180.41M-198.16M73.19M28.44M0
Acquisitions
000000000
Other Investing
-101.42M-80.67M-111.41M-151.58M-100.28M-232.09M-77.01M-82.72M-8.74M
Cash from Financing
64.96M113.96M89.76M617.37M560.08M-113.64M-4.34M-15.57M-4.34M
Dividends Paid
0-1.01M-1.33M-1.76M-2.03M-2.01M-2.29M-2.48M-3.59M
Share Repurchases
-27K-4.59M0-122K-7.88M-218K-5M-16.31M-11.06M
Stock Issued
12.13M026.81M000000
Net Stock Activity
12.1M-4.59M26.81M-122K-7.88M-218K-5M-16.31M-11.06M
Debt Issuance (Net)
-233K-182K-1000K000000
Other Financing
53.1M119.6M75.62M619.25M569.99M-111.41M2.95M3.22M10.31M
Net Change in Cash
-60.84M▲ 0%
92.24M▲ 251.6%
-18.61M▼ 120.2%
313.91M▲ 1786.4%
337.66M▲ 7.6%
-506.47M▼ 250.0%
27.03M▲ 105.3%
-36.45M▼ 234.8%
27.03M▲ 174.2%
Exchange Rate Effect
000000000
Cash at Beginning
120.51M59.67M151.91M133.29M447.2M784.86M278.39M305.43M278.39M
Cash at End
59.67M151.91M133.29M447.2M784.86M278.39M305.43M268.98M305.43M
Interest Paid
6.54M7.39M9.62M8.83M6.08M7.48M25.69M48.35M45.78M
Income Taxes Paid
6.73M5.5M6.29M6.18M7.99M7.35M9M6.94M11.01M
Free Cash Flow
16.61M▲ 0%
20.58M▲ 23.9%
22.67M▲ 10.1%
5.76M▼ 74.6%
58.84M▲ 920.9%
37.42M▼ 36.4%
35.2M▼ 6.0%
33.41M▼ 5.1%
42.81M▲ 28.2%
FCF Growth %
-11.45%23.95%10.14%-74.58%920.94%-36.4%-5.95%-5.08%28.16%

RRBI Banking Ratios

Red River Bancshares, Inc. (RRBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.95%8.48%12.4%11.14%10.47%11.29%13.09%12.25%10.98%12.49%
Return on Assets (ROA)0.92%0.83%1.29%1.29%1.22%1.12%1.17%1.12%1.09%1.32%
Net Interest Margin0%3.01%3.18%3.2%2.61%2.22%2.81%2.76%2.83%3.15%
Efficiency Ratio42.1%56.26%52.84%52.16%50.61%52.81%51.57%45.34%41.63%41.27%
Equity / Assets9.23%10.33%10.41%12.67%10.8%9.25%8.62%9.71%10.15%10.9%
Book Value / Share20.824.726.8635.438.8740.8436.9242.3146.2254.46
NII Growth--14.25%7.44%8.45%3.96%20.76%-0.36%3.38%18.34%
Dividend Payout--4.38%5.34%6.25%6.17%5.45%6.56%7.25%8.39%
Related:RRBI Dividend History·RRBI Revenue History·RRBI Price History·RRBI P/E History·RRBI Financial Ratios·RRBI Institutional Holders

RRBI SEC Filings & Documents

Red River Bancshares, Inc. (RRBI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Feb 26, 2026·SEC

Material company update

Feb 26, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

RRBI Frequently Asked Questions

Red River Bancshares, Inc. (RRBI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Red River Bancshares, Inc. (RRBI) grew revenue by 8.3% over the past year. This is steady growth.

Yes, Red River Bancshares, Inc. (RRBI) is profitable, generating $42.8M in net income for fiscal year 2025 (25.2% net margin).

Dividend & Returns

Yes, Red River Bancshares, Inc. (RRBI) pays a dividend with a yield of 0.59%. This makes it attractive for income-focused investors.

Red River Bancshares, Inc. (RRBI) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.

Industry Metrics

Red River Bancshares, Inc. (RRBI) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

Red River Bancshares, Inc. (RRBI) has an efficiency ratio of 41.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in RRBI back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

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How much would $100/month in RRBI be worth today?

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