Download PDF

1. Company Snapshot

1.a. Company Description

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 Louisiana.The company provides various deposit products, including checking, saving, money market accounts, and time deposits.


It also offers 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 provides 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.It operates a network of 27 banking centers throughout Louisiana and two combined loan and deposit production offices in Lafayette and New Orleans, Louisiana.


The company was incorporated in 1998 and is headquartered in Alexandria, Louisiana.

Show Full description

1.b. Last Insights on RRBI

Red River Bancshares' recent performance was negatively impacted by a decline in net interest income, despite a 3.3% increase in quarterly dividend to 12 cents per share. The company's net interest income decreased by 4.4% year-over-year, primarily due to a decline in average loans and leases. Additionally, the company's non-interest income growth was modest, with a 2.1% increase year-over-year. The recent earnings release did not provide a clear explanation for the decline in net interest income, but it did highlight the company's strong capital ratios and commitment to returning capital to shareholders.

1.c. Company Highlights

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

3. NewsRoom

Card image cap

Red River Bancshares, Inc. Announces Quarterly Cash Dividend

Nov -20

Card image cap

Red River Bancshares (RRBI) Q3 Earnings and Revenues Top Estimates

Oct -30

Card image cap

Red River Bancshares, Inc. Reports Third Quarter 2025 Financial Results

Oct -30

Card image cap

Red River Bancshares (RRBI) Expected to Announce Quarterly Earnings on Wednesday

Oct -22

Card image cap

Best Momentum Stocks to Buy for September 22nd

Sep -22

Card image cap

Red River Bancshares, Inc. Announces Private Stock Repurchase

Aug -07

Card image cap

Red River Bancshares (RRBI) Reports Q2 Earnings: What Key Metrics Have to Say

Jul -30

Card image cap

Red River Bancshares (RRBI) Q2 Earnings and Revenues Beat Estimates

Jul -30

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (6.00%)

6. Segments

Banking and Related Activities

Expected Growth: 6.0%

Red River Bancshares, Inc.'s 6.0% growth in Banking and Related Activities is driven by increasing loan demand, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, improved operational efficiency, and strong risk management practices have contributed to its growth. Furthermore, a favorable interest rate environment and a growing economy have also supported the segment's growth.

7. Detailed Products

Commercial Banking

Provides financial solutions to businesses, including cash management, lending, and treasury management services.

Consumer Banking

Offers personal banking services, including checking and savings accounts, credit cards, and personal loans.

Mortgage Lending

Provides mortgage loans to individuals and families for the purchase or refinance of a home.

Wealth Management

Offers investment and wealth management services, including financial planning and investment advice.

Treasury Management

Provides cash management and treasury services to businesses, including account management and payment processing.

Online Banking

Offers online banking services, including account management, bill pay, and fund transfers.

8. Red River Bancshares, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Red River Bancshares, Inc. is medium due to the availability of alternative banking services and products offered by other financial institutions.

Bargaining Power Of Customers

The bargaining power of customers for Red River Bancshares, Inc. is low due to the lack of concentration of buyers and the limited ability of individual customers to influence prices and services.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Red River Bancshares, Inc. is medium due to the moderate concentration of suppliers and the availability of alternative suppliers.

Threat Of New Entrants

The threat of new entrants for Red River Bancshares, Inc. is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.

Intensity Of Rivalry

The intensity of rivalry for Red River Bancshares, Inc. is high due to the high level of competition in the banking industry, with many established players competing for market share.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 1.43%
Debt Cost 3.95%
Equity Weight 98.57%
Equity Cost 7.01%
WACC 6.96%
Leverage 1.45%

11. Quality Control: Red River Bancshares, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Great Southern Bancorp

A-Score: 6.2/10

Value: 6.5

Growth: 4.4

Quality: 6.0

Yield: 6.0

Momentum: 6.5

Volatility: 7.7

1-Year Total Return ->

Stock-Card
Nicolet Bankshares

A-Score: 6.2/10

Value: 5.6

Growth: 6.3

Quality: 7.9

Yield: 1.0

Momentum: 9.0

Volatility: 7.3

1-Year Total Return ->

Stock-Card
Red River Bank

A-Score: 6.2/10

Value: 5.6

Growth: 5.9

Quality: 8.0

Yield: 1.0

Momentum: 8.5

Volatility: 8.0

1-Year Total Return ->

Stock-Card
Bridgewater Bancshares

A-Score: 5.4/10

Value: 6.9

Growth: 6.4

Quality: 5.1

Yield: 0.0

Momentum: 7.5

Volatility: 6.7

1-Year Total Return ->

Stock-Card
Summit State Bank

A-Score: 5.4/10

Value: 7.0

Growth: 3.6

Quality: 4.0

Yield: 3.0

Momentum: 9.5

Volatility: 5.3

1-Year Total Return ->

Stock-Card
Old Point Financial

A-Score: 5.1/10

Value: 3.7

Growth: 5.4

Quality: 5.9

Yield: 3.0

Momentum: 5.0

Volatility: 7.3

1-Year Total Return ->

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

70.54$

Current Price

70.54$

Potential

-0.00%

Expected Cash-Flows