Red River Bancshares, Inc. (RRBI) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
7.23
↑+150% vs avg
5yr avg: 2.89
30Y Low2.0·High8.2
P/FCF
↑
13.92
↑+38% vs avg
5yr avg: 10.05
30Y Low6.6·High63.2
P/B Ratio
↑
1.66
↑+28% vs avg
5yr avg: 1.30
30Y Low1.2·High1.6
ROE
↑
12.5%
↓+4% vs avg
5yr avg: 12.0%
30Y Low8%·High13%
Debt/EBITDA
↓
0.03
↓-59% vs avg
5yr avg: 0.07
30Y Low0.0·High0.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RRBI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Red River Bancshares, Inc. trades at 14.2x earnings, 28% above its 5-year average of 11.1x, sitting at the 86th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 7%. On a free-cash-flow basis, the stock trades at 13.9x P/FCF, 38% above the 5-year average of 10.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $596M | $479M | $373M | $403M | $368M | $391M | $364M | $399M | — | — | — |
| Enterprise Value | $384M | $267M | $107M | $101M | $93M | $-390486980 | $-79023250 | $270M | — | — | — |
| P/E Ratio → | 14.20 | 11.20 | 10.91 | 11.55 | 9.95 | 11.86 | 12.94 | 16.06 | — | — | — |
| P/S Ratio | 3.51 | 2.82 | 2.38 | 2.91 | 3.27 | 3.87 | 3.66 | 4.51 | — | — | — |
| P/B Ratio | 1.66 | 1.31 | 1.17 | 1.33 | 1.38 | 1.31 | 1.27 | 1.58 | — | — | — |
| P/FCF | 13.92 | 11.19 | 11.18 | 11.45 | 9.82 | 6.64 | 63.15 | 17.60 | — | — | — |
| P/OCF | 13.13 | 10.55 | 9.75 | 10.05 | 8.01 | 6.27 | 28.44 | 15.09 | — | — | — |
P/E links to full P/E history page with 30-year chart
RRBI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Red River Bancshares, Inc.'s enterprise value stands at 7.2x EBITDA, 150% above its 5-year average of 2.9x. The Financial Services sector median is 11.1x, placing the stock at a 35% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.57 | 0.68 | 0.73 | 0.83 | -3.87 | -0.79 | 3.05 | — | — | — |
| EV / EBITDA | 7.23 | 5.03 | 2.35 | 2.22 | 1.96 | -9.16 | -2.14 | 8.23 | — | — | — |
| EV / EBIT | 7.23 | 5.03 | 2.53 | 2.36 | 2.08 | -9.75 | -2.29 | 8.87 | — | — | — |
| EV / FCF | — | 6.24 | 3.21 | 2.88 | 2.49 | -6.64 | -13.71 | 11.92 | — | — | — |
RRBI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Red River Bancshares, Inc. earns an operating margin of 31.3%, above the Financial Services sector average of 21.3%. ROE of 12.5% is modest. ROIC of 11.6% represents solid returns on invested capital versus a sector median of 5.6%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.5% | 72.5% | 68.7% | 76.3% | 91.6% | 92.5% | 85.3% | 86.6% | 88.0% | 88.4% | 100.0% |
| Operating Margin | 31.3% | 31.3% | 27.0% | 31.0% | 40.0% | 39.7% | 34.6% | 34.4% | 35.2% | 32.2% | 46.0% |
| Net Profit Margin | 25.2% | 25.2% | 21.8% | 25.1% | 32.8% | 32.7% | 28.3% | 28.0% | 28.6% | 20.0% | 22.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 12.5% | 11.0% | 12.2% | 13.1% | 11.3% | 10.5% | 11.1% | 12.4% | 8.5% | 9.9% |
| ROA | 1.3% | 1.3% | 1.1% | 1.1% | 1.2% | 1.1% | 1.2% | 1.3% | 1.3% | 0.8% | 0.9% |
| ROIC | 11.6% | 11.6% | 10.1% | 11.2% | 11.8% | 10.2% | 9.5% | 9.9% | 10.8% | 9.6% | 14.4% |
| ROCE | 14.8% | 14.8% | 12.9% | 14.6% | 15.7% | 13.5% | 12.6% | 13.2% | 14.4% | 5.6% | 5.1% |
RRBI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Red River Bancshares, Inc. carries a Debt/EBITDA ratio of 0.0x, which is very conservative (99% below the sector average of 4.2x). The company holds a net cash position — cash of $213M exceeds total debt of $2M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.06 | 0.06 | 0.08 |
| Debt / EBITDA | 0.03 | 0.03 | 0.06 | 0.08 | 0.09 | 0.09 | 0.11 | 0.14 | 0.37 | 0.47 | 0.35 |
| Net Debt / Equity | — | -0.58 | -0.83 | -0.99 | -1.03 | -2.62 | -1.55 | -0.51 | -0.73 | -0.27 | -0.72 |
| Net Debt / EBITDA | -3.99 | -3.99 | -5.84 | -6.60 | -5.76 | -18.33 | -12.01 | -3.92 | -4.62 | -1.96 | -3.24 |
| Debt / FCF | — | -4.95 | -7.97 | -8.57 | -7.33 | -13.27 | -76.86 | -5.68 | -6.83 | -2.90 | -5.80 |
| Interest Coverage | 1.20 | 1.20 | 0.88 | 1.34 | 5.81 | 7.13 | 4.11 | 3.02 | 3.71 | 3.43 | — |
Net cash position: cash ($213M) exceeds total debt ($2M)
RRBI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.08x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.32x to 0.08x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.08 | 0.08 | 0.11 | 0.32 | 0.32 | 0.50 | 0.40 | 0.27 | 0.28 | 0.27 | 0.12 |
| Quick Ratio | 0.08 | 0.08 | 0.11 | 0.32 | 0.32 | 0.50 | 0.40 | 0.27 | 0.28 | 0.27 | 0.12 |
| Cash Ratio | 0.07 | 0.07 | 0.10 | 0.11 | 0.10 | 0.27 | 0.19 | 0.08 | 0.09 | 0.04 | 0.12 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
RRBI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Red River Bancshares, Inc. returns 2.4% to shareholders annually — split between a 0.6% dividend yield and 1.9% buyback yield. The payout ratio of 8.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.6% | 0.7% | 0.7% | 0.6% | 0.5% | 0.5% | 0.5% | 0.3% | — | — | — |
| Payout Ratio | 8.4% | 8.4% | 7.3% | 6.6% | 5.4% | 6.2% | 6.2% | 5.3% | 4.4% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.0% | 8.9% | 9.2% | 8.7% | 10.0% | 8.4% | 7.7% | 6.2% | — | — | — |
| FCF Yield | 7.2% | 8.9% | 8.9% | 8.7% | 10.2% | 15.1% | 1.6% | 5.7% | — | — | — |
| Buyback Yield | 1.9% | 2.3% | 4.4% | 1.2% | 0.1% | 2.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 2.4% | 3.1% | 5.0% | 1.8% | 0.6% | 2.5% | 0.5% | 0.3% | — | — | — |
| Shares Outstanding | — | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M |
Peer Comparison
Compare RRBI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RRBIYou | $596M | 14.2 | 7.2 | 13.9 | 72.5% | 31.3% | 12.5% | 11.6% | 0.0 |
 HOMB | $5B | 13.1 | 9.9 | 12.3 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 FFIN | $5B | 20.6 | 14.1 | 15.6 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 SFNC | $3B | -7.1 | — | 6.8 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 HOPE | $2B | 26.8 | 16.9 | 10.4 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 CTBI | $1B | 14.3 | 10.3 | 12.3 | 63.2% | 28.4% | 11.3% | 7.7% | 2.9 |
 BOKF | $10B | 15.3 | 16.4 | 6.7 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 IBCP | $695M | 10.3 | 9.3 | 9.9 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 TCBK | $2B | 13.4 | 8.3 | 12.5 | 75.9% | 31.7% | 9.5% | 8.9% | 0.4 |
 BANF | $4B | 16.8 | 0.5 | 16.0 | 68.5% | 30.3% | 14.2% | 12.8% | 0.3 |
 FIS | $23B | 58.2 | 7.1 | 8.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.3 | 11.1 | 10.8 | 63.7% | 21.3% | 9.3% | 5.6% | 4.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
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Compare NowRRBI — Frequently Asked Questions
Quick answers to the most common questions about buying RRBI stock.
What is Red River Bancshares, Inc.'s P/E ratio?
Red River Bancshares, Inc.'s current P/E ratio is 14.2x. The historical average is 12.1x. This places it at the 86th percentile of its historical range.
What is Red River Bancshares, Inc.'s EV/EBITDA?
Red River Bancshares, Inc.'s current EV/EBITDA is 7.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.0x.
What is Red River Bancshares, Inc.'s ROE?
Red River Bancshares, Inc.'s return on equity (ROE) is 12.5%. The historical average is 11.3%.
Is RRBI stock overvalued?
Based on historical data, Red River Bancshares, Inc. is trading at a P/E of 14.2x. This is at the 86th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Red River Bancshares, Inc.'s dividend yield?
Red River Bancshares, Inc.'s current dividend yield is 0.59% with a payout ratio of 8.4%.
What are Red River Bancshares, Inc.'s profit margins?
Red River Bancshares, Inc. has 72.5% gross margin and 31.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Red River Bancshares, Inc. have?
Red River Bancshares, Inc.'s Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.