A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
RED RIVER BANCSHARES INC
RRBI
$667M
Mkt Cap
$99.49
+2.32%
RED RIVER BANCSHARES INC (RRBI) has a current P/E ratio of 16.6, compared to its historical median P/E of 11.5. The stock is currently considered Expensive based on its historical valuation range.
RED RIVER BANCSHARES INC (RRBI) has a 5-year average return on invested capital (ROIC) of 12.0%. This indicates solid capital allocation.
RED RIVER BANCSHARES INC (RRBI) has a market capitalization of $654M. It is classified as a small-cap stock.
Yes, RED RIVER BANCSHARES INC (RRBI) pays a dividend with a trailing twelve-month yield of 0.68%. The company also returns capital through share buybacks, with a buyback yield of 1.69%.
Based on historical P/E analysis, RED RIVER BANCSHARES INC (RRBI) appears expensive. The current P/E of 16.6 is 43% above its historical median of 11.5. The estimated fair value CAGR (P/E method) is 7.2%.
RED RIVER BANCSHARES INC (RRBI) operates in the State Commercial Banks industry, within the Financials sector.
RED RIVER BANCSHARES INC (RRBI) reported annual revenue of $170 million in its most recent fiscal year, based on SEC EDGAR filings.
OUR COMPANY Red River Bancshares, Inc., a Louisiana corporation, was founded in 1998 and is a bank holding company headquartered in Alexandria, Louisiana. Through our wholly owned subsidiary, Red River Bank, a Louisiana state-chartered bank, we provide a fully integrated suite of banking products and services tailored to the needs of our commercial and retail customers. Our mission is to be the premier statewide banking organization in Louisiana. We completed an initial public offering of our common stock in May 2019. Our common stock is listed on the Nasdaq Global Select Market under the symbol “RRBI.” As of December 31, 2024, we were the sixth largest financial institution headquartered in Louisiana based on assets, with total assets of $3.15 billion, loans HFI of $2.08 billion, total deposits of $2.81 billion, and total stockholders’ equity of $319.7 million.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 129M | 170M | 158M | 140M | 113M | 102M |
| Net Income | 44M | 43M | 34M | 35M | 37M | 33M |
| EPS | $6.73 | $6.38 | $4.95 | $4.86 | $5.13 | $4.51 |
| Free Cash Flow | 44M | 42M | 33M | 35M | 37M | 59M |
| ROIC | 11.9% | 12.5% | 11.0% | 12.2% | 13.1% | 11.3% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividends/Share | $0.67 | $0.54 | $0.36 | $0.32 | $0.28 | $0.28 |
| Operating Income | 696K | 53M | 42M | 43M | 45M | 40M |
| Operating Margin | 0.5% | 31.3% | 26.9% | 30.7% | 39.8% | 39.3% |
| ROE | 11.9% | 12.5% | 11.0% | 12.2% | 13.1% | 11.3% |
| Shares Outstanding | 7M | 7M | 7M | 7M | 7M | 7M |
| Metric | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 81M | 90M | 101M | 102M | 113M | 140M | 158M | 170M | 129M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 26M | 28M | 31M | 32M | 35M | 37M | 39M | 42M | 42M |
| EBIT | 28M | 30M | 34M | 40M | 45M | 43M | 42M | 53M | 696K |
| Op. Margin | 34.8% | 34.0% | 34.3% | 39.3% | 39.8% | 30.7% | 26.9% | 31.3% | 0.5% |
| Net Income | 23M | 25M | 28M | 33M | 37M | 35M | 34M | 43M | 44M |
| Net Margin | 28.3% | 27.7% | 28.0% | 32.4% | 32.6% | 25.0% | 21.7% | 25.2% | 34.5% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||
| ROIC | 12.4% | 11.1% | 10.5% | 11.3% | 13.1% | 12.2% | 11.0% | 12.5% | 11.9% |
| ROE | 12.4% | 11.1% | 10.5% | 11.3% | 13.1% | 12.2% | 11.0% | 12.5% | 11.9% |
| ROA | 1.2% | 1.3% | 1.2% | 1.1% | 1.2% | 1.1% | 1.1% | 1.3% | 1.3% |
| Cash Flow | |||||||||
| Op. Cash Flow | 26M | 26M | 13M | 62M | 46M | 40M | 38M | 45M | 48M |
| Free Cash Flow | 21M | 23M | 5.8M | 59M | 37M | 35M | 33M | 42M | 44M |
| Owner Earnings | 24M | 24M | 11M | 60M | 44M | 38M | 35M | 42M | 15M |
| CapEx | 5.4M | 3.8M | 7.0M | 3.4M | 8.4M | 4.9M | 4.9M | 2.6M | 4.3M |
| Maint. CapEx | 1.7M | 1.7M | 1.9M | 1.9M | 2.1M | 2.2M | 2.5M | 2.7M | 32M |
| Growth CapEx | 3.8M | 2.0M | 5.2M | 1.5M | 6.4M | 2.7M | 2.4M | 0 | 0 |
| D&A | 1.7M | 1.7M | 1.9M | 1.9M | 2.1M | 2.2M | 2.5M | 2.7M | 32M |
| CapEx/OCF | N/A | 14.3% | 55.0% | 5.5% | 18.4% | 12.3% | 12.7% | N/A | 8.9% |
| Capital Allocation | |||||||||
| Dividends Paid | 1.0M | 1.3M | 1.8M | 2.0M | 2.0M | 2.3M | 2.5M | 3.6M | 4.4M |
| Dividend Yield | N/A | 0.4% | 0.5% | 0.5% | 0.5% | 0.7% | 0.7% | N/A | 0.7% |
| Share Buybacks | 4.6M | 0 | 122K | 7.9M | 218K | 5.0M | 16M | 11M | 11M |
| Buyback Yield | N/A | N/A | 0.0% | 2.1% | 0.1% | 1.2% | 4.4% | 0.0% | 1.7% |
| Stock-Based Comp | 193K | 227K | 276K | 269K | 274K | 319K | 370K | 440K | 458K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||
| Net Debt | N/A | -469M | -945M | -1.4B | -893M | -875M | -269M | -213M | -211M |
| Cash & Equiv. | 152M | 133M | 447M | 785M | 278M | 305M | 269M | 213M | 211M |
| Long-Term Debt | 11M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 8.61 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | 4.7 | 4.0 | 5.1 | 8.1 | 6.8 | 2.3 | 1.9 | 0.0 | 0.0 |
| Equity | 194M | 252M | 285M | 298M | 266M | 304M | 320M | 365M | 373M |
| Total Assets | 1.9B | 2.0B | 2.6B | 3.2B | 3.1B | 3.1B | 3.1B | 3.4B | 3.3B |
| Total Liabilities | 1.7B | 1.7B | 2.4B | 2.9B | 2.8B | 2.8B | 2.8B | 3.0B | 3.0B |
| Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 159M | 183M | 209M | 240M | 275M | 307M | 339M | 378M | 388M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||
| EPS | 3.41 | 3.49 | 3.83 | 4.51 | 5.13 | 4.86 | 4.95 | 6.38 | 6.73 |
| Owner EPS | 3.57 | 3.44 | 1.45 | 8.22 | 6.05 | 5.24 | 5.12 | 6.21 | 2.30 |
| Book Value | 28.65 | 35.41 | 38.85 | 40.81 | 36.93 | 42.34 | 46.23 | 54.48 | 56.76 |
| Cash Flow/Share | 3.85 | 3.72 | 1.74 | 8.52 | 6.37 | 5.59 | 5.54 | 6.68 | 11.64 |
| Dividends/Share | 0.15 | 0.20 | 0.24 | 0.28 | 0.28 | 0.32 | 0.36 | 0.54 | 0.67 |
| Shares Out. | 6.8M | 7.1M | 7.3M | 7.3M | 7.2M | 7.2M | 6.9M | 6.7M | 6.6M |
| Valuation | |||||||||
| P/E Ratio | N/A | 15.1 | 12.4 | 11.6 | 9.5 | 11.5 | 10.9 | N/A | 14.8 |
| P/FCF | N/A | 16.5 | 60.5 | 6.5 | 9.4 | 11.4 | 11.2 | N/A | 15.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 637.7 |
| Price/Book | N/A | 1.5 | 1.2 | 1.3 | 1.3 | 1.3 | 1.2 | N/A | 1.8 |
| Price/Sales | N/A | 4.0 | 3.5 | 3.9 | 3.5 | 3.2 | 3.2 | N/A | 5.1 |
| FCF Yield | N/A | 6.1% | 1.7% | 15.4% | 10.6% | 8.8% | 8.9% | N/A | 6.7% |
| Market Cap | N/A | 374M | 348M | 382M | 352M | 401M | 373M | 0 | 654M |
| Avg. Price | N/A | 45.30 | 43.53 | 51.10 | 51.76 | 48.29 | 50.53 | 0.00 | 99.49 |
| Year-End Price | N/A | 52.62 | 47.41 | 52.32 | 48.95 | 55.84 | 54.00 | 0.00 | 99.49 |
RED RIVER BANCSHARES INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
RED RIVER BANCSHARES INC trades at 16.6x trailing earnings, compared to its 15-year median P/E of 11.5x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 19.4x vs a median of 11.3x. The company's 5-year average ROIC is 12.0%. Total shareholder yield (dividends + buybacks) is 2.4%. At current prices, the estimated annualized return to fair value is +16.8%.
RED RIVER BANCSHARES INC (RRBI) has a net profit margin of 25.2%. This is a strong margin indicating high profitability.
RED RIVER BANCSHARES INC (RRBI) generated $42 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
RED RIVER BANCSHARES INC (RRBI) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
RED RIVER BANCSHARES INC (RRBI) reported earnings per share (EPS) of $6.38 in its most recent fiscal year.
RED RIVER BANCSHARES INC (RRBI) has a return on equity (ROE) of 12.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 8 years of financial data for RED RIVER BANCSHARES INC (RRBI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
RED RIVER BANCSHARES INC (RRBI) has a book value per share of $54.48, based on its most recent annual SEC filing.