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what it is
It runs a Louisiana bank that takes deposits, makes loans, and serves local businesses and families.
how it gets paid
Last year Red River Bancshares made $150M in revenue.
why it's growing
Revenue grew 282.4% last year. Revenue grew 10% vs. prior year. EPS grew 26% vs. prior year.
what just happened
Quarterly revenue hit $39M and EPS rose to $1.73.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
90/100 earnings predictability — you can trust these numbers
12.1x trailing p/e — the market's not buying it — or you found a deal
1.1% dividend yield — cash in your pocket every quarter
$4.95 fy2024 eps est
xvary composite: 67/100 — average
What they do
It runs a Louisiana bank that takes deposits, makes loans, and serves local businesses and families.
Red River has 28 banking centers, all in Louisiana. That gives you local reach instead of a faceless app. Its B++ balance sheet grade means the bank is sturdier than average, and its 90 earnings predictability score says profits have been unusually steady.
How they make money
$150M
annual revenue · their business grew +282.4% last year
total revenue
$150M
+282.4%
The products that matter
business lending and treasury
Commercial Banking
$2.25B loan book · about 67% of assets
this is the engine. The loan book is $2.25B out of $3.35B in assets, so commercial banking drives most of the interest income you care about.
loan growth matters
consumer deposits and loans
Retail Banking
$2.96B deposits · 28 branches
retail banking supplies the funding base. A $2.96B deposit base across 28 branches is what lets RRBI lend without leaning too hard on wholesale funding.
funding base
fee-based advice and services
Wealth Management
inside $10.1M non-interest income
this matters because non-interest income is only $10.1M. If management wants a less rate-sensitive earnings mix, this is one place it has to grow.
small but useful
Key numbers
$3.2B
assets
assets → everything the bank owns → $3.2B shows a small market cap sits on a much bigger base.
0.85
beta
beta → stock wiggle versus the market → 0.85 means RRBI tends to move less than the S&P 500.
90
predictability
earnings predictability → how steady profits are → 90 is a high score for a bank.
1.1%
yield
dividend yield → cash return on price → you get about $0.80 a year per share at $72.87.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 85 / 100
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for RRBI right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly revenue hit $39M and EPS rose to $1.73.
Revenue grew 10% vs. prior year. EPS grew 26% vs. prior year.
$39M
revenue
$1.73
eps
n/a
n/a
EPS beat
EPS of $1.73 beat the $1.63 estimate by $0.10, or 6.1%.
source: EDGAR SEC filing, 2026
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What could go wrong
the #1 risk is louisiana concentration inside a rate-sensitive revenue mix.
med
premium multiple, ordinary efficiency
RRBI trades at 14.6x earnings and 1.67x book while costs still consume 55% of income. That's the quiet part: this is priced like a cleaner operator than the current expense line shows.
if efficiency does not improve, the valuation premium has less support than bulls want to admit.
med
one-state footprint means one-state exposure
RRBI's 28 branches and $2.96B deposit base sit in Louisiana. The same local focus that helps relationship banking also means you do not get geographic diversification if that economy slows.
with a $2.25B loan book and $3.35B in assets, a local credit problem would hit most of the franchise at once.
med
93% of revenue comes from net interest income
Non-interest income is just $10.1M. That leaves RRBI highly exposed to loan yields, deposit pricing, and the spread between the two. In human terms: this bank does not have many side businesses to cushion a margin squeeze.
this revenue mix exposes almost the entire $149.0M revenue base to funding and lending spreads.
med
capital returns raise expectations
A 67% dividend increase to $0.25 and a $10M buyback tell investors the bank feels good about capital. They also create an expectation that the earnings engine stays reliable enough to support both.
if earnings flatten, capital return stops looking generous and starts looking early.
with $2.96B in deposits supporting a $2.25B loan book, RRBI is a clean local-bank story — but almost all of that story runs through Louisiana and through net interest income.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
q1 2026 earnings report
Estimated report date is Wednesday, April 29, 2026. If you own RRBI, this is the next real test of whether the Q4 beat was a one-quarter win or part of a steadier run.
metric
cost-to-income ratio
55% is workable, not special. You want that number moving lower if the bank is going to keep a premium multiple.
trend
non-interest income mix
Fee income is only $10.1M, or 7% of revenue. If that share stays stuck, the bank stays a pure rates story.
risk
deposit stability after the payout step-up
A 67% dividend increase and a $10M buyback are confidence signals. The catch is that both look smart only if deposits and credit stay steady from here.
Analyst rankings
earnings predictability
90 / 100
in human-speak, analysts think this bank usually delivers numbers close to expectations.
price stability
85 / 100
the stock has been steadier than many small caps. That does not make it cheap. It makes it easier to underwrite.
risk rank
3
this sits in the safer half of stocks, but it is still a regional bank tied to one state and one income engine.
source: institutional data
Institutional activity
institutional ownership data for RRBI is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$73
current price
n/a
target midpoint · n/a from current
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