RED RIVER BANCSHARES INC (RRBI) Stock Fundamental Analysis

NASDAQ:RRBI • US75686R2022

91.19 USD
+1.02 (+1.13%)
At close: Feb 26, 2026
91.19 USD
0 (0%)
After Hours: 2/26/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall RRBI gets a fundamental rating of 4 out of 10. We evaluated RRBI against 379 industry peers in the Banks industry. Both the profitability and the financial health of RRBI get a neutral evaluation. Nothing too spectacular is happening here. RRBI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • RRBI had positive earnings in the past year.
  • In the past year RRBI had a positive cash flow from operations.
  • Each year in the past 5 years RRBI has been profitable.
  • RRBI had a positive operating cash flow in 4 of the past 5 years.
RRBI Yearly Net Income VS EBIT VS OCF VS FCFRRBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.26%, RRBI is in the better half of the industry, outperforming 79.16% of the companies in the same industry.
  • RRBI's Return On Equity of 11.57% is fine compared to the rest of the industry. RRBI outperforms 78.10% of its industry peers.
Industry RankSector Rank
ROA 1.26%
ROE 11.57%
ROIC N/A
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)11.3%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
RRBI Yearly ROA, ROE, ROICRRBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With an excellent Profit Margin value of 33.60%, RRBI belongs to the best of the industry, outperforming 86.81% of the companies in the same industry.
  • In the last couple of years the Profit Margin of RRBI has grown nicely.
  • RRBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 33.6%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.93%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
RRBI Yearly Profit, Operating, Gross MarginsRRBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • RRBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RRBI has less shares outstanding than it did 1 year ago.
  • RRBI has less shares outstanding than it did 5 years ago.
  • RRBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
RRBI Yearly Shares OutstandingRRBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
RRBI Yearly Total Debt VS Total AssetsRRBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • RRBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.69%
RRBI Yearly LT Debt VS Equity VS FCFRRBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RRBI Yearly Current Assets VS Current LiabilitesRRBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 28.83% over the past year.
  • The Earnings Per Share has been growing by 10.78% on average over the past years. This is quite good.
  • The Revenue has grown by 14.39% in the past year. This is quite good.
  • The Revenue has been growing slightly by 6.36% on average over the past years.
EPS 1Y (TTM)28.83%
EPS 3Y7.53%
EPS 5Y10.78%
EPS Q2Q%26.28%
Revenue 1Y (TTM)14.39%
Revenue growth 3Y6.03%
Revenue growth 5Y6.36%
Sales Q2Q%19.23%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.46% on average over the next years.
  • The Revenue is expected to grow by 16.52% on average over the next years. This is quite good.
EPS Next Y9.69%
EPS Next 2Y6.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.1%
Revenue Next 2Y16.52%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
RRBI Yearly Revenue VS EstimatesRRBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
RRBI Yearly EPS VS EstimatesRRBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.27, RRBI is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of RRBI indicates a slightly more expensive valuation: RRBI is more expensive than 64.12% of the companies listed in the same industry.
  • RRBI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.11.
  • The Price/Forward Earnings ratio is 13.01, which indicates a correct valuation of RRBI.
  • RRBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RRBI is more expensive than 65.17% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of RRBI to the average of the S&P500 Index (28.13), we can say RRBI is valued rather cheaply.
Industry RankSector Rank
PE 14.27
Fwd PE 13.01
RRBI Price Earnings VS Forward Price EarningsRRBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RRBI is valued a bit more expensive than the industry average as 68.60% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.33
EV/EBITDA N/A
RRBI Per share dataRRBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • RRBI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.47
PEG (5Y)1.32
EPS Next 2Y6.46%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • RRBI has a yearly dividend return of 0.67%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.74, RRBI's dividend is way lower than its industry peers. On top of this 85.22% of the companies listed in the same industry pay a better dividend than RRBI!
  • Compared to an average S&P500 Dividend Yield of 1.80, RRBI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.67%

5.2 History

  • On average, the dividend of RRBI grows each year by 14.32%, which is quite nice.
  • RRBI has been paying a dividend for over 5 years, so it has already some track record.
  • RRBI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)14.32%
Div Incr Years2
Div Non Decr Years4
RRBI Yearly Dividends per shareRRBI Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 7.90% of the earnings are spent on dividend by RRBI. This is a low number and sustainable payout ratio.
  • The dividend of RRBI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP7.9%
EPS Next 2Y6.46%
EPS Next 3YN/A
RRBI Yearly Income VS Free CF VS DividendRRBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
RRBI Dividend Payout.RRBI Dividend Payout, showing the Payout Ratio.RRBI Dividend Payout.PayoutRetained Earnings

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RED RIVER BANCSHARES INC

NASDAQ:RRBI (2/26/2026, 8:00:02 PM)

After market: 91.19 0 (0%)

91.19

+1.02 (+1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-28
Inst Owners28.93%
Inst Owner Change15.92%
Ins Owners24.05%
Ins Owner Change0.18%
Market Cap600.03M
Revenue(TTM)125.52M
Net Income(TTM)40.66M
Analysts86.67
Price Target95.37 (4.58%)
Short Float %1.88%
Short Ratio2.27
Dividend
Industry RankSector Rank
Dividend Yield 0.67%
Yearly Dividend0.36
Dividend Growth(5Y)14.32%
DP7.9%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.52%
Min EPS beat(2)4.5%
Max EPS beat(2)4.55%
EPS beat(4)4
Avg EPS beat(4)8.92%
Min EPS beat(4)4.5%
Max EPS beat(4)18.33%
EPS beat(8)8
Avg EPS beat(8)8.61%
EPS beat(12)10
Avg EPS beat(12)6.35%
EPS beat(16)14
Avg EPS beat(16)7.24%
Revenue beat(2)0
Avg Revenue beat(2)-8.58%
Min Revenue beat(2)-8.72%
Max Revenue beat(2)-8.44%
Revenue beat(4)2
Avg Revenue beat(4)-2.81%
Min Revenue beat(4)-8.72%
Max Revenue beat(4)4.16%
Revenue beat(8)3
Avg Revenue beat(8)-0.4%
Revenue beat(12)4
Avg Revenue beat(12)0.21%
Revenue beat(16)8
Avg Revenue beat(16)6.8%
PT rev (1m)14.49%
PT rev (3m)23.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.47%
EPS NY rev (1m)5.45%
EPS NY rev (3m)6.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.93%
Revenue NY rev (1m)22.09%
Revenue NY rev (3m)3.92%
Valuation
Industry RankSector Rank
PE 14.27
Fwd PE 13.01
P/S 4.96
P/FCF 17.33
P/OCF 15.68
P/B 1.71
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)6.39
EY7.01%
EPS(NY)7.01
Fwd EY7.69%
FCF(TTM)5.26
FCFY5.77%
OCF(TTM)5.82
OCFY6.38%
SpS18.39
BVpS53.39
TBVpS53.16
PEG (NY)1.47
PEG (5Y)1.32
Graham Number87.61
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 11.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.6%
GM N/A
FCFM 28.61%
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)11.3%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.93%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 103.11%
Cap/Sales 3.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 85.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.69%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.83%
EPS 3Y7.53%
EPS 5Y10.78%
EPS Q2Q%26.28%
EPS Next Y9.69%
EPS Next 2Y6.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.39%
Revenue growth 3Y6.03%
Revenue growth 5Y6.36%
Sales Q2Q%19.23%
Revenue Next Year30.1%
Revenue Next 2Y16.52%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-9.54%
OCF growth 3YN/A
OCF growth 5YN/A

RED RIVER BANCSHARES INC / RRBI FAQ

What is the ChartMill fundamental rating of RED RIVER BANCSHARES INC (RRBI) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RRBI.


Can you provide the valuation status for RED RIVER BANCSHARES INC?

ChartMill assigns a valuation rating of 2 / 10 to RED RIVER BANCSHARES INC (RRBI). This can be considered as Overvalued.


What is the profitability of RRBI stock?

RED RIVER BANCSHARES INC (RRBI) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for RRBI stock?

The Price/Earnings (PE) ratio for RED RIVER BANCSHARES INC (RRBI) is 14.27 and the Price/Book (PB) ratio is 1.71.


How financially healthy is RED RIVER BANCSHARES INC?

The financial health rating of RED RIVER BANCSHARES INC (RRBI) is 5 / 10.