Red River Bancshares Inc

RRBI · NASDAQ · Financial Services / Banks - Regional

104.66USD+0.52 (+0.50%)

Price History

Full chart

Market Stats

Previous Close104.14

Open104.20

Day Range103.68 – 104.89

52-Week Range60.98 – 104.87

Volume65.04K

Market Cap656.90M

P/E (TTM)14.54

Forward P/E11.30

EPS6.86

Dividend Yield0.99%

Beta0.42

50-Day Avg101.16

200-Day Avg90.79

About

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.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Ronald Blake Chatelain
Employees381
Headquarters1412 Centre Court Drive, Alexandria, LA, United States, 71301, USA
Websitehttps://www.redriverbank.net

Leadership

Mr. Ronald Blake ChatelainPresident, CEO & Director · b. 1964
Ms. Isabel V. Carriere CPA, CGMASenior EVP, CFO, Principal Accounting Officer & Assistant Corporate Secretary · b. 1968
Mr. Bryon C. SalazarSenior EVP & Chief Banking Officer at Red River Bank · b. 1973
Ms. Julia E. Callis J.D.Executive VP, General Counsel & Corporate Secretary · b. 1969
Mr. Andrew Blake CutrerSenior Vice President · b. 1975
Mr. G. Bridges Hall IVSenior VP & Chief Credit Policy Officer · b. 1975

Financials

Income Statement

Currency: USD	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	-	68.22M	70.06M	80.56M	88.55M	99.49M	100.82M	112.46M	108.46M	156.78M	169.85M
Growth (%)	-	-	+2.70%	+15.00%	+9.91%	+12.36%	+1.33%	+11.55%	-3.56%	+44.55%	+8.34%
Cost of Revenue	-	0	8.12M	9.64M	11.90M	14.67M	7.52M	9.49M	32.87M	49.14M	46.63M
Gross Profit	-	68.22M	61.94M	70.93M	76.65M	84.82M	93.30M	102.98M	139.68M	107.64M	123.22M
Gross Margin	-	100.00%	88.42%	88.04%	86.57%	85.25%	92.54%	91.57%	128.79%	68.66%	72.55%
Operating Expense	-	36.87M	39.41M	42.57M	46.19M	50.35M	53.24M	58.00M	104.80M	65.26M	70.09M
Operating Income	-	31.35M	22.53M	28.36M	30.46M	34.47M	40.06M	44.98M	34.88M	42.38M	53.13M
Operating Margin	-	45.95%	32.16%	35.20%	34.40%	34.64%	39.74%	40.00%	32.16%	27.03%	31.28%
EBITDA	-	26.13M	24.57M	30.40M	32.82M	36.88M	42.61M	47.59M	34.88M	45.60M	56.67M
EBITDA Margin	-	38.30%	35.07%	37.73%	37.06%	37.07%	42.27%	42.32%	32.16%	29.09%	33.37%
Net Income	13.96M	15.10M	13.98M	23.06M	24.82M	28.14M	32.95M	36.92M	34.88M	34.23M	42.76M
Net Income Margin	-	22.14%	19.96%	28.62%	28.03%	28.29%	32.69%	32.83%	32.16%	21.84%	25.18%
R&D	-	0	0	0	-	-	-	-	-	-	-
R&D as % of Total Revenue	-	0.00%	0.00%	0.00%	-	-	-	-	-	-	-
Interest Expense	0	0	6.56M	7.65M	10.09M	8.38M	5.62M	7.74M	24.69M	47.94M	44.33M
Interest Expense % of Total Revenue	-	0.00%	9.36%	9.49%	11.39%	8.42%	5.57%	6.88%	22.77%	30.58%	26.10%

Balance Sheet

Currency: USD	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	1.64B	1.72B	1.86B	1.99B	2.64B	3.22B	3.08B	3.13B	3.15B	3.35B
Total Liabilities	1.49B	1.55B	1.67B	1.74B	2.36B	2.93B	2.82B	2.82B	2.83B	2.99B
Total Equity	151.82M	178.10M	193.70M	251.90M	285.48M	298.15M	265.75M	303.85M	319.74M	365.15M
Cash	120.51M	59.67M	151.91M	133.29M	447.20M	784.86M	278.39M	305.43M	268.98M	213.39M
Total Debt	11.76M	11.52M	11.34M	4.60M	4.23M	3.84M	4.26M	3.77M	2.86M	1.54M
Net Debt	-108.75M	-48.14M	-140.56M	-128.69M	-442.97M	-781.02M	-274.13M	-301.66M	-266.11M	-211.85M

Cash Flow

Currency: USD	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	19.33M	20.09M	26.02M	26.44M	12.80M	62.26M	45.87M	40.11M	38.28M	44.79M
Investing Cash Flow	-131.95M	-145.90M	-47.65M	-134.82M	-316.26M	-284.68M	-438.70M	-8.74M	-59.16M	-244.04M
Financing Cash Flow	140.89M	64.96M	113.96M	89.76M	617.37M	560.08M	-113.64M	-4.34M	-15.57M	143.66M
Capital Expenditure	576.00K	3.49M	5.43M	3.77M	7.04M	3.43M	8.44M	4.92M	4.88M	2.58M
Free Cash Flow	18.75M	16.61M	20.58M	22.67M	5.76M	58.84M	37.42M	35.20M	33.41M	42.21M
Dividends Paid	1.01M	1.01M	1.01M	1.33M	1.76M	2.03M	2.01M	2.29M	2.48M	3.59M
FCF to OCF	97.02%	82.65%	79.12%	85.74%	45.03%	94.50%	81.59%	87.74%	87.26%	94.24%
Dividend Paid to FCF	5.38%	6.08%	4.90%	5.85%	30.52%	3.46%	5.37%	6.50%	7.43%	8.50%

Earnings

Report Date	Feb 27, 2019	May 3, 2019	Jul 29, 2019	Oct 29, 2019	Jan 29, 2020	Apr 29, 2020	Jul 29, 2020	Oct 29, 2020	Jan 29, 2021	Apr 29, 2021	Jul 29, 2021	Oct 29, 2021	Jan 28, 2022	Apr 29, 2022	Jul 29, 2022	Oct 28, 2022	Jan 30, 2023	Apr 28, 2023	Aug 9, 2023	Oct 30, 2023	Jan 30, 2024	Apr 25, 2024	Jul 26, 2024	Oct 30, 2024	Jan 30, 2025	Apr 30, 2025	Jul 30, 2025	Oct 30, 2025	Jan 30, 2026	Apr 30, 2026	Jul 30, 2026	Oct 29, 2026
EPS Estimate	0.00	0.85	0.86	0.84	0.87	0.82	0.75	0.72	0.89	0.92	1.02	1.03	1.00	1.00	1.05	1.32	1.34	1.31	1.23	1.14	0.99	1.03	1.08	1.19	1.24	1.26	1.42	1.54	1.61	1.68	1.77	1.83
EPS Actual	0.91	0.73	0.81	0.93	0.90	0.92	0.93	0.99	0.99	1.10	1.13	1.12	1.15	1.03	1.27	1.42	1.42	1.33	1.25	1.12	1.16	1.16	1.16	1.27	1.37	1.52	1.51	1.63	1.73	1.81	1.78	-
Surprise	-	-14.12%	-5.81%	10.71%	3.45%	12.20%	24.00%	37.50%	11.24%	19.57%	10.78%	8.74%	15.00%	3.00%	20.95%	7.58%	5.97%	1.53%	1.63%	-1.75%	17.17%	12.62%	7.41%	6.72%	10.48%	20.63%	6.34%	5.84%	7.45%	7.74%	0.56%	-
Timing	-	After-hours	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market

Key Statistics & Ratios

Market Cap656.90M

Enterprise Value462.88M

Trailing P/E14.54

Forward P/E11.30

Price / Sales5.10

Price / Book1.72

EPS6.86

Book Value58.40

Revenue (TTM)128.84M

Gross Profit (TTM)128.84M

Profit Margin35.66%

Operating Margin45.99%

Return on Equity12.77%

Return on Assets1.42%

Shares Outstanding6.58M

Shares Float5.21M

Beta0.42

Dividend Yield0.99%

Dividend Rate1.00

Payout Ratio12.95%

Analyst Ratings

Strong Buy

Based on 3 analystsTarget 110.00

Strong Buy
2
Buy
1

Ownership Breakdown

Institutions: 46.46%
Insiders: 21.36%
Retail / Other: 32.18%

Top Institutional Holders

BlackRock Inc
330.66K5.02%
Arnhold & S. Bleichroeder Advisers, LLC
298.70K4.54%
Vanguard Capital Management, LLC
207.98K3.16%
Boston Partners Global Investors, Inc
193.56K2.94%
Dimensional Fund Advisors, Inc.
142.42K2.16%
Manufacturers Life Insurance Co
140.55K2.13%
American Century Companies Inc
117.23K1.78%
Geode Capital Management, LLC
115.18K1.75%
State Street Corp
111.74K1.70%
Acadian Asset Management LLC
90.64K1.38%
AQR Capital Management LLC
75.39K1.15%
The Goldman Sachs Group Inc
74.95K1.14%
Arrowstreet Capital Limited Partnership
72.38K1.10%
Siena Capital Management, LLC
66.48K1.01%

Top Fund Holders

Vanguard MStar Total Stk Mkt Idx Invest
144.51K2.19%
First Eagle Small Cap Opportunity I
139.01K2.11%
iShares Russell 2000 ETF
133.03K2.02%
Avantis US Small Cap Value ETF
113.07K1.72%
State Street® SPDR® S&PRgnllBkgETF
92.17K1.40%
JHancock Regional Bank A
64.77K0.98%

Dividends

20263×

0.25Sep 8, 20260.25Jun 8, 20260.25Mar 9, 2026

20254×

0.15Dec 8, 20250.15Sep 8, 20250.12Jun 6, 20250.12Mar 10, 2025

20244×

0.09Dec 9, 20240.09Sep 9, 20240.09Jun 10, 20240.09Mar 8, 2024

20234×

0.08Dec 1, 20230.08Sep 8, 20230.08Jun 9, 20230.08Mar 10, 2023

20224×

0.07Dec 2, 20220.07Sep 9, 20220.07Jun 10, 20220.07Mar 11, 2022

20214×

0.07Dec 3, 20210.07Sep 10, 20210.07Jun 11, 20210.07Mar 12, 2021

20201×

0.06Dec 4, 2020