RRBI · RED RIVER BANCSHARES INC
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.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $100.68 |
| SO | 6.6M |
| Options | 0.0M |
| Warrants | 0.0M |
| FD SO | 6.6M |
| MC | $662.9M |
| Cash | $195.4M |
| Total debt | — |
| EV | $467.5M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 2.7x |
| EV / EBITDA | — |
| MC / Net Income | 14.4x |
| EV / FCF | 9.2x |
| MC / FCF | 13.0x |
| Ownership & coverage | |
|---|---|
| Institutional | 43.8% |
| Insiders | 21.4% |
| # Institutions | 173 |
| Analysts | 2 |
| Consensus | Buy |
| Avg target | $108.00 |
| Short % float | 4.2% |
| Days to cover | 2.26 |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-07-31. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-08-11 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-07-15; the float denominator can be unreliable on tiny floats.
Financial statements
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Total Revenue | 44.06 | 43.68 | 44.15 | 43.17 |
| Revenue YoY % | 6.3% | 6.3% | 8.7% | 7.1% |
| Gross Profit | 28.97 | 28.40 | 28.24 | 26.89 |
| Gross Profit YoY % | 12.2% | 15.4% | 19.2% | 19.7% |
| Gross Margin % | 65.7% | 65.0% | 64.0% | 62.3% |
| SG&A | 18.29 | 17.25 | 18.25 | 17.89 |
| Interest Expense | 28.97 | 28.40 | 28.24 | 26.89 |
| Pretax Income | 14.67 | 14.94 | 14.19 | 13.37 |
| Tax Provision | 2.91 | 2.97 | 2.77 | 2.57 |
| Net Income | 11.76 | 11.97 | 11.41 | 10.80 |
| Net Margin % | 26.7% | 27.4% | 25.9% | 25.0% |
| Diluted EPS | $1.78 | $1.81 | $1.73 | $1.63 |
| Basic EPS | $1.79 | $1.82 | $1.74 | $1.63 |
| Diluted Avg Shares | 6.6 | 6.6 | — | 6.6 |
| Basic Avg Shares | 6.6 | 6.6 | — | 6.6 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 175.06 | 169.85 | 157.67 | 139.68 | 113.12 |
| Revenue YoY % | 3.1% | 7.7% | 12.9% | 23.5% | — |
| Gross Profit | 112.50 | 105.56 | 89.29 | 86.44 | 86.64 |
| Gross Profit YoY % | 6.6% | 18.2% | 3.3% | (0.2%) | — |
| Gross Margin % | 64.3% | 62.1% | 56.6% | 61.9% | 76.6% |
| SG&A | 71.68 | 70.09 | 66.15 | 63.87 | 58.66 |
| Interest Expense | 112.50 | 105.56 | 89.29 | 32.13 | 7.74 |
| Pretax Income | 57.17 | 53.13 | 42.38 | 42.94 | 44.98 |
| Tax Provision | 11.22 | 10.36 | 8.15 | 8.06 | 8.06 |
| Net Income | 45.95 | 42.76 | 34.23 | 34.88 | 36.92 |
| Net Margin % | 26.2% | 25.2% | 21.7% | 25.0% | 32.6% |
| Diluted EPS | $6.95 | $6.38 | $4.95 | $4.86 | $5.13 |
| Basic EPS | $6.98 | $6.40 | $4.96 | $4.87 | $5.14 |
| Diluted Avg Shares | 6.6 | 6.7 | 6.9 | 7.2 | 7.2 |
| Basic Avg Shares | 6.6 | 6.7 | 6.9 | 7.2 | 7.2 |
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 195.40 | 210.52 | 213.39 | 161.06 |
| Net PPE | 60.14 | 60.52 | 59.27 | 58.57 |
| Operating Lease ROU | 1.33 | 1.41 | 1.49 | 1.56 |
| Other Assets | 3,054.47 | 3,074.16 | 3,076.76 | 2,993.17 |
| Total Assets | 3,311.32 | 3,346.60 | 3,350.91 | 3,214.36 |
| Other Liabilities | 2,926.77 | 2,973.27 | 2,985.76 | 2,863.05 |
| Total Liabilities | 2,926.77 | 2,973.27 | 2,985.76 | 2,863.05 |
| Retained Earnings | 398.18 | 388.06 | 377.73 | 367.30 |
| Total Equity | 384.55 | 373.33 | 365.15 | 351.31 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 195.40 | 213.39 | 268.98 | 305.43 | 278.39 |
| Net PPE | 60.14 | 59.27 | 59.44 | 57.09 | 54.38 |
| Operating Lease ROU | 1.33 | 1.49 | 2.73 | 3.63 | 4.14 |
| Other Assets | 3,054.47 | 3,076.76 | 2,818.45 | 2,762.67 | 2,745.77 |
| Total Assets | 3,311.32 | 3,350.91 | 3,149.59 | 3,128.81 | 3,082.69 |
| Other Liabilities | 2,926.77 | 2,985.76 | 2,829.86 | 2,824.96 | 2,816.93 |
| Total Liabilities | 2,926.77 | 2,985.76 | 2,829.86 | 2,824.96 | 2,816.93 |
| Retained Earnings | 398.18 | 377.73 | 338.55 | 306.80 | 274.78 |
| Total Equity | 384.55 | 365.15 | 319.74 | 303.85 | 265.75 |
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Net Income | 11.76 | 11.97 | 11.41 | 10.80 |
| D&A | 0.72 | 0.69 | 0.69 | 0.71 |
| Stock-Based Comp | 0.14 | 0.11 | 0.11 | 0.11 |
| Δ Working Cap & Other | (0.35) | 4.15 | (1.63) | 4.86 |
| Operating Cash Flow | 12.28 | 16.92 | 10.59 | 16.49 |
| CapEx | (1.20) | (1.95) | (1.39) | (0.66) |
| Other Investing | 16.31 | 1.28 | (80.50) | (87.11) |
| Investing Cash Flow | 15.11 | (0.67) | (81.89) | (87.77) |
| Stock Buyback | — | — | 0.00 | (5.30) |
| Dividends Paid | (1.65) | (1.64) | (0.99) | (0.99) |
| Other Financing | (40.87) | (17.48) | 124.63 | 28.18 |
| Financing Cash Flow | (42.51) | (19.12) | 123.64 | 21.89 |
| Free Cash Flow | 11.08 | 14.97 | 9.20 | 15.83 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | 45.95 | 42.76 | 34.23 | 34.88 | 36.92 |
| D&A | 2.82 | 2.75 | 2.52 | 2.20 | 2.08 |
| Stock-Based Comp | 0.48 | 0.44 | 0.37 | 0.32 | 0.27 |
| Δ Working Cap & Other | 7.03 | (1.16) | 1.15 | 2.71 | 6.60 |
| Operating Cash Flow | 56.28 | 44.79 | 38.28 | 40.11 | 45.87 |
| CapEx | (5.20) | (2.58) | (4.88) | (4.92) | (8.44) |
| Other Investing | (150.03) | (241.46) | (54.28) | (3.83) | (430.25) |
| Investing Cash Flow | (155.22) | (244.04) | (59.16) | (8.74) | (438.70) |
| Stock Buyback | — | (11.06) | (16.31) | (5.00) | (0.22) |
| Dividends Paid | (5.26) | (3.59) | (2.48) | (2.29) | (2.01) |
| Other Financing | 89.16 | 158.31 | 3.22 | 2.95 | (111.41) |
| Financing Cash Flow | 83.90 | 143.66 | (15.57) | (4.34) | (113.64) |
| Free Cash Flow | 51.08 | 42.21 | 33.41 | 35.20 | 37.42 |
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | 7.61 | 7.96 | 8.18 | 8.15 |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | — | — | — | — |
| ROE % | 3.1% | 3.2% | 3.1% | 3.1% |
| ROA % | 0.4% | 0.4% | 0.3% | 0.3% |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — |
| Debt / Equity | 7.61 | 8.18 | 8.85 | 9.30 | 10.60 |
| EBITDA Margin % | — | — | — | — | — |
| Working Capital | — | — | — | — | — |
| Net Debt | — | — | — | — | — |
| ROE % | 11.9% | 11.7% | 10.7% | 11.5% | 13.9% |
| ROA % | 1.4% | 1.3% | 1.1% | 1.1% | 1.2% |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-08-10 | Price Teddy Ray | Director | 2026-08-10 | P | 940 | $99.89 | $93,897 |
| 2026-08-10 | Price Teddy Ray | Director | 2026-08-10 | P | 164 | $99.89 | $16,382 |
| 2026-08-10 | Price Teddy Ray | Director | 2026-08-10 | P | 15 | $101.31 | $1,520 |
| 2026-05-05 | Price Teddy Ray | Director | 2026-05-05 | P | 1,080 | $85.65 | $92,502 |
| 2026-05-05 | Price Teddy Ray | Director | 2026-05-05 | P | 189 | $86.50 | $16,348 |
| 2026-05-05 | Price Teddy Ray | Director | 2026-05-05 | P | 16 | $87.02 | $1,392 |
| 2026-04-02 | Salazar Bryon C. | Officer (See Remarks) | 2026-04-01 | A | 800 | — | $0 |
| 2026-04-02 | Salazar Bryon C. | Officer (See Remarks) | 2026-04-01 | A | 800 | — | $0 |
| 2026-04-02 | Salazar Tammi R. | Officer (See Remarks) | 2026-04-01 | A | 800 | — | $0 |
| 2026-04-02 | Salazar Tammi R. | Officer (See Remarks) | 2026-04-01 | A | 800 | — | $0 |
| 2026-04-02 | Carriere Isabel V. | Officer (See Remarks) | 2026-04-01 | A | 800 | — | $0 |
| 2026-04-02 | Chatelain Ronald Blake | Director, Officer (See Remarks) | 2026-04-01 | A | 600 | — | $0 |
| 2026-03-13 | Salazar Bryon C. | Officer (See Remarks) | 2026-03-11 | G | (255) | — | $-0 |
| 2026-03-13 | Salazar Tammi R. | Officer (See Remarks) | 2026-03-11 | G | (255) | — | $-0 |
| 2026-02-25 | Price Teddy Ray | Director | 2026-02-25 | P | 64 | $90.37 | $5,784 |
| 2026-02-04 | Price Teddy Ray | Director | 2026-02-04 | P | 630 | $90.39 | $56,946 |
| 2026-02-04 | Price Teddy Ray | Director | 2026-02-04 | P | 107 | $89.00 | $9,523 |
| 2026-02-04 | Price Teddy Ray | Director | 2026-02-04 | P | 10 | $85.32 | $853 |
| 2026-02-02 | Ashbrook Michael Scott | Director | 2026-01-30 | A | 181 | $83.06 | $15,034 |
| 2026-02-02 | Moreau Anna Brasher | Director | 2026-01-30 | A | 198 | $83.06 | $16,446 |
| 2026-02-02 | Price Teddy Ray | Director | 2026-01-30 | A | 198 | $83.06 | $16,446 |
| 2025-11-07 | Price Teddy Ray | Director | 2025-11-06 | P | 886 | $65.79 | $58,290 |
| 2025-11-07 | Price Teddy Ray | Director | 2025-11-06 | P | 147 | $65.60 | $9,643 |
| 2025-11-07 | Price Teddy Ray | Director | 2025-11-06 | P | 13 | $65.77 | $855 |
| 2025-08-05 | Price Teddy Ray | Director | 2025-08-04 | P | 300 | $58.72 | $17,616 |
| 2025-08-05 | Price Teddy Ray | Director | 2025-08-04 | P | 3,500 | $60.43 | $211,505 |
| 2025-08-05 | Price Teddy Ray | Director | 2025-08-04 | P | 131 | $59.20 | $7,755 |
| 2025-08-05 | Price Teddy Ray | Director | 2025-08-04 | P | 12 | $59.18 | $710 |
| 2025-05-06 | Price Teddy Ray | Director | 2025-05-05 | P | 779 | $53.87 | $41,965 |
| 2025-05-06 | Price Teddy Ray | Director | 2025-05-05 | P | 144 | $53.88 | $7,759 |
| 2025-05-06 | Price Teddy Ray | Director | 2025-05-05 | P | 3 | $53.77 | $161 |
| 2025-04-02 | Salazar Tammi R. | Officer (See Remarks) | 2025-04-01 | A | 1,000 | — | $0 |
| 2025-04-02 | Salazar Tammi R. | Officer (See Remarks) | 2025-04-01 | A | 1,000 | — | $0 |
| 2025-04-02 | Salazar Bryon C. | Officer (See Remarks) | 2025-04-01 | A | 1,000 | — | $0 |
| 2025-04-02 | Salazar Bryon C. | Officer (See Remarks) | 2025-04-01 | A | 1,000 | — | $0 |
| 2025-04-02 | Carriere Isabel V. | Officer (See Remarks) | 2025-04-01 | A | 1,000 | — | $0 |
| 2025-04-02 | Chatelain Ronald Blake | Director, Officer (See Remarks) | 2025-04-01 | A | 500 | — | $0 |
| 2025-02-06 | Price Teddy Ray | Director | 2025-02-05 | P | 549 | $57.53 | $31,584 |
| 2025-02-06 | Price Teddy Ray | Director | 2025-02-05 | P | 101 | $57.61 | $5,819 |
| 2025-02-06 | Price Teddy Ray | Director | 2025-02-05 | P | 9 | $57.67 | $519 |
| 2025-02-03 | BROWN MICHAEL J | Director | 2025-01-31 | A | 241 | $55.80 | $13,448 |
| 2025-02-03 | Price Teddy Ray | Director | 2025-01-31 | A | 242 | $55.80 | $13,504 |
| 2025-02-03 | Moreau Anna Brasher | Director | 2025-01-31 | A | 269 | $55.80 | $15,010 |
| 2025-02-03 | Ashbrook Michael Scott | Director | 2025-01-31 | A | 242 | $55.80 | $13,504 |
| 2024-11-04 | Price Teddy Ray | Director | 2024-11-04 | P | 646 | $52.75 | $34,076 |
| 2024-11-04 | Price Teddy Ray | Director | 2024-11-04 | P | 111 | $52.70 | $5,850 |
| 2024-11-04 | Price Teddy Ray | Director | 2024-11-04 | P | 9 | $52.61 | $473 |