Last 29 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Red River Bancshares, Inc.'s quarterly P/E stands at 10.3x, up 4.8% year-over-year. EV/EBITDA has expanded 123.6% YoY to 4.6x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.53 | 10.32 | 9.94 | 9.72 | 8.50 | 9.85 | 10.24 | 10.34 | 10.73 | 12.09 | 10.26 | 9.83 | 9.04 |
| — | +4.8% | -2.9% | -6.0% | -20.8% | -18.5% | -0.2% | +5.2% | +18.7% | +34.5% | +17.9% | -7.7% | -29.6% | |
| P/S Ratio | 3.59 | 2.67 | 2.51 | 2.42 | 2.14 | 2.28 | 2.23 | 2.16 | 2.32 | 2.71 | 2.31 | 2.58 | 2.72 |
| — | +17.0% | +12.7% | +12.2% | -7.7% | -15.8% | -3.6% | -16.6% | -14.7% | -7.3% | -23.0% | -27.8% | -30.7% | |
| P/B Ratio | 1.70 | 1.29 | 1.23 | 1.18 | 1.05 | 1.15 | 1.10 | 1.08 | 1.18 | 1.32 | 1.17 | 1.25 | 1.25 |
| — | +12.3% | +11.3% | +9.6% | -10.4% | -12.8% | -5.9% | -13.4% | -6.1% | -4.6% | -19.9% | -18.7% | -13.0% | |
| P/FCF | 14.24 | 23.00 | 6.80 | 28.13 | 6.43 | 57.17 | 5.25 | 57.61 | 6.58 | 14.55 | 6.53 | 24.79 | 7.15 |
| — | -59.8% | +29.4% | -51.2% | -2.3% | +292.8% | -19.5% | +132.3% | -8.0% | +33.1% | +17.2% | +86.0% | -56.8% | |
| EV / EBITDA | 7.49 | 4.58 | 4.74 | 6.57 | 1.86 | 2.05 | 2.73 | 2.86 | 2.89 | 2.27 | 0.28 | 4.17 | 2.43 |
| — | +123.6% | +73.7% | +129.5% | -35.7% | -9.9% | +887.7% | -31.4% | +19.0% | +27.9% | -75.8% | +433.0% | +157.5% | |
| EV / EBIT | 7.49 | 4.58 | 5.07 | 7.02 | 1.98 | 2.21 | 2.94 | 3.08 | 3.10 | 2.43 | 0.30 | 4.41 | 2.57 |
| — | +107.6% | +72.1% | +128.1% | -36.1% | -9.3% | +896.3% | -30.2% | +20.2% | +29.7% | -75.4% | +433.9% | +156.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Red River Bancshares, Inc.'s operating margin was 32.1% in Q4 2025, up 0.9 pp QoQ and up 3.5 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. Gross margin expanded 5.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.5% | 73.5% | 72.2% | 72.3% | 71.6% | 69.6% | 68.2% | 68.3% | 68.6% | 70.3% | 72.6% | 78.8% | 84.9% |
| — | +5.6% | +5.9% | +5.9% | +4.4% | -0.9% | -6.1% | -13.3% | -19.2% | -19.3% | -21.0% | -16.3% | -9.8% | |
| Operating Margin | 31.3% | 32.1% | 31.2% | 31.0% | 31.3% | 28.6% | 27.0% | 25.7% | 26.7% | 27.6% | 27.7% | 32.4% | 36.9% |
| — | +12.2% | +15.5% | +20.5% | +17.4% | +3.8% | -2.5% | -20.6% | -27.8% | -30.4% | -33.4% | -22.0% | +0.5% | |
| Net Margin | 25.2% | 25.9% | 25.2% | 24.8% | 25.2% | 23.1% | 21.9% | 20.8% | 21.6% | 22.4% | 22.5% | 26.2% | 30.1% |
| — | +11.9% | +15.3% | +19.6% | +17.0% | +3.0% | -2.7% | -20.8% | -28.4% | -30.8% | -34.7% | -22.1% | -1.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 3.2% | 3.1% | 3.0% | 3.2% | 2.9% | 2.8% | 2.6% | 2.7% | 2.8% | 2.8% | 3.2% | 3.5% |
| — | +10.3% | +13.4% | +15.8% | +16.8% | +2.1% | -2.3% | -17.7% | -23.3% | -29.3% | -30.8% | -9.2% | +34.8% | |
| ROA | 1.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +16.8% | +18.9% | +23.0% | +23.8% | +11.2% | +8.1% | -11.9% | -15.9% | -19.3% | -20.1% | +2.5% | +36.7% | |
| ROIC | 11.6% | 3.0% | 2.9% | 2.8% | 2.9% | 2.7% | 2.5% | 2.4% | 2.5% | 2.6% | 2.3% | 2.6% | 3.2% |
| — | +11.0% | +14.0% | +16.8% | +17.6% | +3.3% | +8.7% | -8.5% | -22.3% | -28.5% | -35.8% | -17.5% | +36.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Red River Bancshares, Inc.'s Debt/EBITDA ratio is 0.1x, down from 0.1x last quarter — comfortably within a safe range. The current ratio has weakened 26.9% YoY to 0.08x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.23 | 0.01 |
| — | -52.8% | -49.8% | -22.8% | -23.5% | -27.8% | -33.4% | -95.5% | -28.2% | -22.6% | -23.2% | +1174.8% | -14.1% | |
| Debt / EBITDA | 0.03 | 0.11 | 0.11 | 0.19 | 0.20 | 0.23 | 0.26 | 0.29 | 0.30 | 0.34 | 0.37 | 5.47 | 0.33 |
| — | -52.8% | -55.5% | -34.0% | -32.5% | -33.2% | -30.6% | -94.7% | -10.6% | +6.5% | +8.9% | +1348.3% | -31.1% | |
| Current Ratio | 0.08 | 0.08 | 0.06 | 237.07 | 0.10 | 0.11 | 0.29 | 0.28 | 0.29 | 0.32 | 0.31 | 0.31 | 0.31 |
| — | -26.9% | -78.8% | +86101.2% | -66.1% | -66.5% | -6.4% | -10.0% | -7.7% | -1.7% | -4.8% | -13.8% | -33.4% | |
| Quick Ratio | 0.08 | 0.08 | 0.06 | 237.07 | 0.10 | 0.11 | 0.29 | 0.28 | 0.29 | 0.32 | 0.31 | 0.31 | 0.31 |
| — | -26.9% | -78.8% | +86101.2% | -66.1% | -66.5% | -6.4% | -10.0% | -7.7% | -1.7% | -4.8% | -13.8% | -33.4% | |
| Interest Coverage | 1.20 | 1.29 | 1.19 | 1.17 | 1.15 | 0.97 | 0.87 | 0.83 | 0.87 | 0.95 | 1.03 | 1.59 | 2.44 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
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Red River Bancshares, Inc.'s current P/E is 14.5x. The average P/E over the last 4 quarters is 9.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Red River Bancshares, Inc.'s current operating margin is 31.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Red River Bancshares, Inc.'s business trajectory between earnings reports.