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Red River Bancshares, Inc.

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
www.redriverbank.net
Market Cap
$480.89M
P/E (TTM)
11.6
14.8
Dividend Yield
0.8%
52W High
$78.01
52W Low
$46.33
52W Range
79%
Rank36Top 23.7%
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

Q3 2025 Data

Revenue

$42.82M+6.98%
4-Quarter Trend

EPS

$1.63+27.34%
4-Quarter Trend

FCF

$15.83M-6.84%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Record Net Income Growth Nine-month net income reached $31.3M, marking a strong 25.8% increase compared to the prior year period.
Strong Net Interest Income NII grew 17.8% to $77.3M for nine months, driven by higher yields on loans and securities portfolio.
NIM Expansion Noted FTE Net Interest Margin improved 42 basis points to 3.34% for the nine months ended September 30, 2025.
Robust Capital Position Total assets grew to $3.21B; Common Equity Tier 1 ratio remains very strong at 17.17% exceeding minimums.

Risk Factors

Increased Credit Loss Provision Provision for credit losses rose 72.2% YTD to $1.55M, reflecting loan growth and economic uncertainty impacts.
Deposit Cost Pressures Cost of deposits increased slightly due to competitive pricing on interest-bearing transaction accounts.
CRE Concentration Risk Commercial Real Estate loans constitute 41.2% of total HFI loans, representing a significant industry concentration.
Interest Rate Volatility Exposure Balance sheet is asset sensitive; future NIM may compress if the FOMC continues lowering the federal funds rate.

Outlook

Modest Q4 NIM Forecast Expect net interest income and NIM FTE to decrease slightly in Q4 2025 based on current interest rate forecasts.
Continued Capital Strength Management expects capital ratios under Basel III to continue exceeding regulatory requirements through year-end.
Loan Portfolio Management Expect $84.9M in fixed rate loans to mature, potentially leading to slightly lower total loan yields in Q4.
Shareholder Return Focus Completed significant private stock repurchase; increased Q3 dividend 25.0% to $0.15 per common share.

Peer Comparison

Revenue (TTM)

Kearny Financial Corp.KRNY
$344.01M
+4.4%
Capital Bancorp, Inc.CBNK
$298.06M
+33.1%
First Business Financial Services, Inc.FBIZ
$277.15M
+8.2%

Gross Margin (Latest Quarter)

Bank7 Corp.BSVN
68.3%
+1.3pp
Arrow Financial CorporationAROW
67.5%
+5.6pp
Carter Bankshares, Inc.CARE
54.9%
-0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
NRIM$587.83M9.321.9%0.2%
AROW$516.29M15.08.4%0.6%
ACNB$502.11M15.38.8%10.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.0%
Moderate Growth
4Q Net Income CAGR
5.1%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 29, 2026
|
EPS:$1.63
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $42.82M+7.0%
    |
    EPS: $1.63+27.3%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $41.05M+6.7%
    |
    EPS: $1.51+30.2%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $41.08M+8.3%
    |
    EPS: $1.53+31.9%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 14, 2025|
    Revenue: $156.78M+13.0%
    |
    EPS: $4.96+1.8%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 8, 2024|
    Revenue: $40.03M+12.2%
    |
    EPS: $1.28+14.3%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $38.47M+12.5%
    |
    EPS: $1.16-7.2%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $37.95M+19.1%
    |
    EPS: $1.16-13.4%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 15, 2024|
    Revenue: $138.70M+23.3%
    |
    EPS: $4.87-5.3%
    Beat