Logo

RRBI

Red River Bancshares, Inc.

RRBI

Red River Bancshares, Inc. • NASDAQ
$70.05 ▼ -0.61% (-0.43)
Market Cap $471.61 M
52w High $71.52
52w Low $46.33
Dividend Yield 0.48%
P/E 11.66
Volume 25.87K
Outstanding Shares 6.73M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $42.818M ▲ $17.533M ▲ $10.801M ▲ 25.225% ▲ $1.63 ▲ $14.29M ▲
Q2-2025 $41.05M ▲ $16.969M ▲ $10.196M ▼ 24.838% ▼ $1.51 ▼ $13.598M ▼
Q1-2025 $41.018M ▲ $16.526M ▲ $10.352M ▲ 25.238% ▲ $1.53 ▲ $13.695M ▲
Q4-2024 $40.291M ▲ $16.506M ▲ $9.306M ▲ 23.097% ▲ $1.37 ▲ $12.433M ▲
Q3-2024 $40.026M $16.458M $8.754M 21.871% $1.28 $11.672M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $165.325M ▼ $3.214B ▲ $2.863B ▲ $351.311M ▲
Q2-2025 $609.434M ▲ $3.168B ▼ $2.833B ▼ $335.35M ▲
Q1-2025 $263.136M ▼ $3.186B ▲ $2.853B ▲ $333.316M ▲
Q4-2024 $286.82M ▼ $3.15B ▲ $2.83B ▲ $319.739M ▼
Q3-2024 $793.202M $3.102B $2.777B $324.318M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $10.801M ▲ $16.491M ▲ $-87.769M ▼ $21.891M ▲ $-49.387M ▼ $15.827M ▲
Q2-2025 $10.196M ▼ $3.796M ▼ $-23.881M ▲ $-21.628M ▼ $-41.713M ▼ $3.529M ▼
Q1-2025 $10.352M ▲ $13.914M ▲ $-50.491M ▼ $19.757M ▼ $-16.82M ▼ $13.656M ▲
Q4-2024 $9.306M ▲ $4.068M ▼ $-22.577M ▲ $54.837M ▲ $36.328M ▲ $1.609M ▼
Q3-2024 $8.754M $17.384M $-24.663M $26.853M $19.574M $16.989M

Five-Year Company Overview

Income Statement

Income Statement Earnings at Red River Bancshares look steady and resilient rather than flashy. Revenue has inched up over the last few years, and core profitability has held up well even as the rate environment and funding costs have shifted. The bank has managed its expenses carefully, which keeps operating profits stable. Net income and per‑share earnings are solid but not really growing, suggesting a mature, well-run franchise that is prioritizing consistency and risk control over aggressive expansion.

Balance Sheet

Balance Sheet The balance sheet is conservative and clean. Assets have been broadly stable, equity has gradually built up, and there is effectively no reliance on long‑term debt, which reduces financial risk. Cash levels are lower than during the pandemic spike (when liquidity was unusually high) but still look reasonable for a regional bank. Overall, it appears well‑capitalized, with a cushioning equity base and no obvious signs of balance sheet stress, though its fortunes remain tied to the health of its Louisiana markets.

Cash Flow

Cash Flow Cash generation is dependable. The bank has produced positive operating cash flow every year in the period shown, and free cash flow has consistently stayed in positive territory as well. Investment spending appears modest and disciplined, so the business does not need heavy capital outlays to function or grow. This pattern supports the view of a stable, cash-generative regional bank with room to absorb shocks and fund measured growth from internal resources.

Competitive Edge

Competitive Edge Red River Bancshares operates as a classic community and regional bank with a strong local brand in Louisiana. Its strengths are relationship banking, local decision-making, and a “people-first” culture, which help it compete effectively against larger national players within its footprint. Recognition as a top community bank and a good place to work reinforces that its franchise quality is respected. On the risk side, its concentration in one state and competition from both big banks and digital-first fintechs limit its diversification and expose it to local economic swings.

Innovation and R&D

Innovation and R&D For a community-oriented bank, Red River is relatively advanced on the technology front. Its partnership with Q2 to roll out a unified digital banking platform, plus real-time payment capabilities via Allied Payment Network, should materially improve the customer experience for both consumers and small businesses. It also offers fairly sophisticated treasury management tools and tailored private banking solutions to professionals, which helps it punch above its weight. The main uncertainties are execution risk on the new platform, the ongoing cost of technology upgrades, and the need to keep pace with rapid digital innovation in banking.

Summary

Red River Bancshares comes across as a conservative, relationship-driven regional bank with steady profits, a strong balance sheet, and reliable cash generation. It is not a high-growth story, but rather a stable, well-managed institution focused on its Louisiana markets. Its main advantages lie in local relationships, service quality, and an increasingly modern digital offering. Key risks revolve around geographic concentration, the broader interest rate environment, and the challenge of continuously upgrading technology without eroding margins. Overall, it appears to be a solid, regionally focused bank steadily adapting to a more digital future.

NEWS

November 20, 2025 · 4:30 PM UTC

Red River Bancshares, Inc. Announces Quarterly Cash Dividend

Read more

October 30, 2025 · 8:30 AM UTC

Red River Bancshares, Inc. Reports Third Quarter 2025 Financial Results

Read more