logo
Twitter
Discord
Email
logo
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
$441.06M
P/E (TTM)
10.8
14.4
Dividend Yield
0.7%
52W High
$69.40
52W Low
$46.33
52W Range
86%
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: 2016-2024

Financial Dashboard

Q3 2025 Data

Revenue

$0.00-100.00%
4-Quarter Trend

EPS

$1.63+27.34%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q2 Earnings Highlights

Release Date: Aug 8, 2025

Key Highlights

NIM and NII Growth YTD Net Interest Income reached $50.4M, a 16.9% increase YoY, driven by NIM FTE rising 40 bps to 3.29%.
Loan Portfolio Expansion Total Loans HFI grew 3.1% sequentially to $2.14B, supported by steady closing activity and funding construction commitments.
Strong Capital Position Company's Total Risk-Based Capital ratio stood strong at 18.33%, significantly exceeding regulatory minimum requirements.
Deposit Stability Noted Total deposits remained stable at $2.81B; noninterest-bearing deposits grew 3.6% sequentially to $898.0M.

Risk Factors

Credit Loss Provision Increase Provision for credit losses increased 50.0% YTD to $900K due to loan growth and uncertainty regarding tariffs and trade.
Noninterest Income Decline Q2 Noninterest Income fell 10.5% sequentially, impacted by lower brokerage income and SBIC income fluctuations.
Rising Operating Expenses Total operating expenses increased 4.7% sequentially to $17.4M, driven mainly by higher personnel costs from annual raises.
Securities Unrealized Loss Total AFS securities hold a net unrealized loss of $61.1M as of June 30, 2025, though the loss decreased $2.2M YTD.

Outlook

NIM Outlook Positive Management expects net interest income and NIM FTE to increase slightly in the third and fourth quarters of 2025.
Dividend Increase Announced Board announced a 25.0% cash dividend increase to $0.15 per share for the third quarter of 2025.
Loan Loss Provisioning Future provisions depend on economic outlook, loan growth, and trends in asset quality and charge-offs.
Liquidity Access Available Liquid assets decreased 21.8% YTD, but $1.65B is accessible via FHLB/Fed facilities to meet funding obligations.

Peer Comparison

Revenue (TTM)

Kearny Financial Corp.KRNY
$267.54M
-18.8%
First Business Financial Services, Inc.FBIZ
$252.67M
-1.3%
Northfield Bancorp, Inc. (Staten Island, NY)NFBK
$248.79M
+1.1%

Gross Margin (Latest Quarter)

ACNB CorporationACNB
80.1%
-11.9 pp
Carter Bankshares, Inc.CARE
0.0%
+0.0 pp
Capital Bancorp, Inc.CBNK
0.0%
+0.0 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
NRIM$485.55M7.721.9%0.0%
ACNB$472.93M18.87.2%9.3%
CBNK$460.94M9.313.2%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4-Quarter Revenue CAGR
N/M
Revenue Volatile
4-Quarter Net Income CAGR
+5.1%
Gradual Improvement in Profitability
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Reports
All Years

  • 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

  • Form 10-Q - Q3 2023

    Period End: Sep 30, 2023|Filed: Nov 9, 2023|
    Revenue: $35.67M+20.5%
    |
    EPS: $1.12-21.1%
    Meet