Red River Bancshares (RRBI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Red River Bancshares

NasdaqGS•Financial Services•Banks - Regional

$102.65-0.26(<0.01%)Market open

Market Cap

$672.36M

P/E

14.6x

P/S

3.8x

P/B

1.7x

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 the United States. The company offers various deposit products, including checking, saving, money market accounts, and time deposits. It provides 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 offers 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.

How this company scores

GoodMetricSide Score: 74/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability20/25

Growth21/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.6x5y range 8.9x – 14.6x

Currently above its 20-quarter median.

P/S · 3.8x5y range 2.2x – 3.8x

Currently above its 20-quarter median.

P/B · 1.7x5y range 1.1x – 1.7x

Price & Volume

Market Cap $672.36M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $175.06M
Q. Revenue: $44.06M
TTM EBITDA: $60.85M
TTM Op. Income: $57.17M
Q. Op. Income: $14.67M
TTM Net Income: $45.95M
Q. Net Income: $11.76M
EPS: $1.79
Shares Out.: $6.58M

$175.06M in TTM revenue grew 7.1% YoY, reaching $44.06M last quarter. TTM EBITDA of $60.85M and TTM operating income of $57.17M show growth is flowing through to the bottom line. TTM net income of $45.95M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 76.5%
EBITDA Margin: 35.5%
Op. Margin: 33.3%
Net Margin: 26.7%

Op. margin of 33.3% is up 2.6% YoY — cost efficiency is improving. Net margin at 26.7% and gross margin of 76.5% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 8% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.6x
P/S Ratio: 3.8x
P/B Ratio: 1.7x

At 14.6x P/E, the stock trades below typical market levels. P/S of 3.8x and P/B of 1.7x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 5 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.31B
Cash: $195.40M
Long-Term Debt: N/A
Book Value: $384.55M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $12.28M
TTM Free Cash Flow: $51.08M
FCF Margin: 29.2%
FCF / Net Income: 1.1

TTM FCF of $51.08M on $12.28M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.