Red River Bancshares, Inc.
- Open
- 98.85
- Day high
- 99.42
- Day low
- 97.26
- Prev close
- 99.87
- Volume
- 75K
- Mkt cap
- $644M
- P/E (TTM)
- 14.6
- EPS (TTM)
- $6.70
- P/B
- 1.7
- P/S
- 3.7
- Yield
- 0.82%
- Per share
- $0.80
- ▲Insiders net buying $110K over the last 3 months (3 open-market buys, 0 sales)
- 🏛Institutions accumulating (13F)
Red River Bancshares, Inc. (RRBI) is a Financial Services company listed on NASDAQ. The stock is up 55% over the past year. Over the trailing 3 months, insiders filed 3 open-market buys and 0 sales (SEC Form 4).
Red River Bancshares, Inc. (RRBI) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
RRBI earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 30, 2026 | $1.69 | $1.81 | +7.1% | $33M | -0.3% |
| Mar 12, 2026 | — | $1.73 | — | $44M | — |
| Oct 30, 2025 | $1.55 | $1.63 | +5.2% | $32M | -2.0% |
| Jul 30, 2025 | $1.43 | $1.51 | +5.6% | $30M | -3.6% |
| Apr 30, 2025 | $1.29 | $1.52 | +17.8% | $30M | +2.6% |
| Jan 30, 2025 | $1.21 | $1.37 | +13.2% | $28M | -0.1% |
| Oct 30, 2024 | $1.19 | $1.27 | +6.7% | $28M | +23.1% |
| Jul 26, 2024 | $1.10 | $1.16 | +5.5% | $27M | +22.3% |
| Apr 25, 2024 | $1.03 | $1.16 | +12.6% | $26M | +11.5% |
| Mar 14, 2024 | — | $1.16 | — | $37M | — |
| Jul 28, 2023 | $1.14 | $1.25 | +9.6% | $27M | +24.8% |
| Apr 28, 2023 | $1.31 | $1.33 | +1.5% | $27M | +17.3% |
RRBI insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| May 5, 2026 | Price Teddy Raydirector | Buy | 189 | $86.50 |
| May 5, 2026 | Price Teddy Raydirector | Buy | 16 | $87.02 |
| May 5, 2026 | Price Teddy Raydirector | Buy | 1,080 | $85.65 |
| Apr 2, 2026 | Salazar Tammi R.officer: See Remarks | Grant | 800 | — |
| Apr 2, 2026 | Salazar Bryon C.officer: See Remarks | Grant | 800 | — |
| Apr 2, 2026 | Chatelain Ronald Blakedirector, officer: See Remarks | Grant | 600 | — |
| Apr 2, 2026 | Carriere Isabel V.officer: See Remarks | Grant | 800 | — |
| Feb 25, 2026 | Price Teddy Raydirector | Buy | 64 | $90.37 |
| Feb 4, 2026 | Price Teddy Raydirector | Buy | 107 | $89.00 |
| Feb 4, 2026 | Price Teddy Raydirector | Buy | 10 | $85.32 |
| Feb 4, 2026 | Price Teddy Raydirector | Buy | 630 | $90.39 |
| Feb 2, 2026 | Price Teddy Raydirector | Grant | 198 | $83.06 |
| Feb 2, 2026 | Ashbrook Michael Scottdirector | Grant | 181 | $83.06 |
| Feb 2, 2026 | Moreau Anna Brasherdirector | Grant | 198 | $83.06 |
| Nov 7, 2025 | Price Teddy Raydirector | Buy | 13 | $65.77 |
Source: RRBI SEC Form 4 filings, latest May 5, 2026. For informational purposes only — not investment advice.
See the full RRBI insider & 13F page →Red River Bancshares, Inc. company profile
Overview
Red River Bancshares, Inc. (NASDAQ:RRBI) is a bank holding company that operates Red River Bank, a regional community bank serving Louisiana since its incorporation in 1998. The company went public in May 2019 and is headquartered in Alexandria, Louisiana. Red River Bank has grown to become a significant regional banking institution with 27 banking centers throughout Louisiana and two loan and deposit production offices in Lafayette and New Orleans, providing comprehensive banking services to both commercial and retail customers across the state.
Business
Red River Bancshares operates in the regional banking industry, which serves as a critical financial intermediary between depositors and borrowers within specific geographic markets. The company's core business revolves around traditional banking activities through its subsidiary, Red River Bank. The bank's primary services include deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit (time deposits). These products allow customers to safely store their money while earning interest, and they provide the bank with the capital base needed for lending operations. On the lending side, Red River Bank offers a comprehensive portfolio of loan products. Commercial real estate loans represent a significant portion of their business, providing financing for office buildings, retail spaces, and other commercial properties. The bank also originates one-to-four family mortgage loans and home equity lines of credit for residential customers, construction and development loans for builders and developers, and commercial and industrial loans for businesses operating in their market area. Additionally, they provide Small Business Administration (SBA) loans, tax-exempt loans for municipal and non-profit borrowers, and various consumer loans for personal, family, and household purposes. Beyond traditional banking, Red River offers treasury management services for business customers, private banking for high-net-worth individuals, investment advisory services, financial planning, retirement plan administration, and brokerage services. The bank also provides modern banking conveniences including debit and credit cards, online banking, mobile banking, remote deposit capture, and wire transfer services.
Revenue model
Red River Bancshares operates under the traditional banking business model, which centers on net interest income generation. The bank makes money primarily by borrowing money from depositors at lower interest rates and lending it to borrowers at higher rates, capturing the spread as profit. This net interest margin represents the core revenue driver for the institution. The bank's customers fall into two main categories: retail customers who use the bank for personal banking needs including deposits, mortgages, and consumer loans, and commercial customers ranging from small businesses to larger enterprises that require business banking services, commercial loans, and treasury management solutions. Fee-based services such as treasury management, investment advisory, and private banking provide additional non-interest income streams. Several factors can significantly impact Red River's profitability margins. Rising interest rate environments generally benefit banks by allowing them to charge higher rates on loans while deposit costs may lag, expanding net interest margins. Conversely, falling rates can compress margins. Credit quality represents another critical factor - economic downturns in Louisiana's economy could lead to higher loan losses, directly impacting profitability. The bank's concentration in Louisiana makes it particularly sensitive to local economic conditions, including the energy sector's performance given the state's oil and gas industry presence. Competition from larger national banks, credit unions, and fintech companies can pressure both loan pricing and deposit costs. Regulatory changes affecting capital requirements or compliance costs can also influence operating margins.
Competitive moat
Red River Bancshares operates with a modest competitive moat typical of regional community banks. The company's primary defensive characteristics stem from its deep local market knowledge and established customer relationships built over more than two decades of operation in Louisiana. Community banks often benefit from their ability to make lending decisions locally and provide personalized service that larger national banks cannot match. However, the banking industry is highly commoditized, and Red River faces significant competitive pressures. Large national banks possess substantial cost advantages through economies of scale, advanced technology platforms, and extensive branch networks. Credit unions compete aggressively on pricing due to their tax-exempt status. The rise of fintech companies and digital banking platforms threatens traditional banking relationships, particularly among younger customers who prioritize convenience and digital capabilities over personal relationships. Red River's geographic concentration in Louisiana, while providing local market expertise, also represents a vulnerability. The bank lacks diversification that would protect against regional economic downturns. Additionally, the regulatory environment creates high barriers to entry but also imposes significant compliance costs that can disadvantage smaller institutions relative to their larger competitors. Overall, Red River's moat is relatively narrow and primarily dependent on maintaining strong local relationships and superior customer service in its Louisiana markets.
Risks & safety
Red River Bancshares demonstrates a solid financial position with reasonable margin of safety characteristics for a regional bank. • **Solvency and Capital**: The bank maintains low debt levels with a debt-to-equity ratio of just 0.82%, indicating minimal financial leverage beyond normal banking operations. The company generates consistent positive cash flow from operations, with $38.3 million in fiscal 2024. • **Valuation Metrics**: Trading at a P/E ratio of 8.5x based on recent earnings, the stock appears reasonably valued relative to banking industry standards. The price-to-book ratio of 1.05x suggests the market values the bank close to its tangible book value. • **Profitability**: Return on equity of 10.7% for fiscal 2024 demonstrates solid profitability, while maintaining reasonable efficiency in operations. • **Liquidity**: The bank maintains adequate cash positions, though current ratios appear low due to the nature of banking operations where deposits constitute current liabilities. • **Other Considerations**: The concentration in Louisiana markets creates geographic risk, but the bank has demonstrated consistent profitability through various economic cycles since going public in 2019.
Recent development
Based on the available financial data, Red River Bancshares has focused on steady organic growth and maintaining operational efficiency over recent years. The bank has demonstrated consistent revenue growth, with total revenue increasing from $103.6 million in 2022 to $108.8 million in 2024, representing modest but steady expansion. The company has maintained its strategic focus on serving the Louisiana market through its network of 27 banking centers, without significant geographic expansion or major acquisitions during this period. This approach reflects a conservative growth strategy emphasizing market penetration and customer relationship deepening rather than aggressive expansion. Red River has continued to invest in digital banking capabilities and technology infrastructure to remain competitive with larger institutions, as evidenced by their comprehensive online and mobile banking offerings. The bank has also maintained its diversified lending portfolio approach, balancing commercial real estate, residential mortgages, and commercial and industrial loans to manage risk exposure. The institution has demonstrated resilience through the recent interest rate environment, maintaining profitability while managing net interest margin pressures. Their focus on fee-based services including treasury management and wealth management services represents an ongoing effort to diversify revenue streams beyond traditional net interest income.
RRBI company profile · for informational purposes only — not investment advice.
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