Red River Bancshares, Inc.
NASDAQ•RRBI
CEO: Mr. Ronald Blake Chatelain
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2019-05-03
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 Louisiana. The company provides various deposit products, including checking, saving, money market accounts, and time deposits. It 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. Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.
Contact Information
1412 Centre Court Drive, Suite 501, Alexandria, LA, 71301, United States
318-561-4000
Market Cap
$584.98M
P/E (TTM)
13.2
21.6
Dividend Yield
0.8%
52W High
$98.85
52W Low
$54.05
52W Range
Rank32Top 23.6%
4.9
F-Score
Modified Piotroski Analysis
Based on 9-year fundamentals
Average • 4.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2017-2025
Financial Dashboard
Q1 2026 Data
Revenue
$43.70M+0.00%
4-Quarter Trend
EPS
$1.82+0.00%
4-Quarter Trend
FCF
$14.98M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Record Net Income Growth Net income reached $42.8M in 2025, up 24.9% from 2024, driven by strong net interest income performance.
Strong Net Interest Margin NIM FTE improved significantly by 42 basis points to 3.38% in 2025, benefiting from higher loan/securities yields.
Robust Loan and Deposit Growth Loans HFI grew 8.4% to $2.25B, while total deposits increased 5.6% to $2.96B by year-end 2025.
Solid Capital Ratios Maintained Company Total Risk-Based Capital ratio stood at 18.03% and CET1 at 17.02%, well exceeding regulatory minimums.
Risk Factors
Increased Credit Loss Provision Provision for credit losses rose 91.7% to $2.3M in 2025, primarily due to loan growth and lingering inflation impacts.
CRE Portfolio Credit Risk Commercial Real Estate loans comprise 40.9% of HFI loans, exposing the bank to greater credit risk from collateral fluctuations.
Interest Rate Sensitivity Exposure Balance sheet remains asset sensitive; significant rate changes could negatively impact net interest income and equity value.
Cybersecurity and Third-Party Risk Reliance on third-party vendors for core processing systems introduces operational disruption and security breach risks.
Outlook
Organic Growth Strategy Focus Primary focus remains organic expansion, supplemented by strategic, targeted acquisitions in desirable geographic areas.
Digital Banking Enhancements Completed upgrades to online, mobile banking, and bill payment systems to improve digital service offerings for customers.
Future NIM Pressure Expected Market expects FOMC rate cuts in 2026, potentially decreasing income on short-term liquid assets slightly.
Continued Regulatory Monitoring Management must adapt to evolving regulatory frameworks, including potential CFPB rule changes and capital requirements.
Peer Comparison
Revenue (TTM)
$454.85M
$345.24M
$319.93M
Gross Margin (Latest Quarter)
108.4%
81.3%
80.8%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| PGC | $740.81M | 16.8 | 6.7% | 1.4% |
| CARE | $601.55M | 5.5 | 24.8% | 0.0% |
| AROW | $590.58M | 11.4 | 12.0% | 0.6% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.1%
Moderate Growth
4Q Net Income CAGR
5.5%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Jul 24, 2026
EPS:$1.75
|Revenue:$33.70M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data