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RRBI

BULLISH
$96.53 Live
Red River Bancshares, Inc. · NASDAQ
Target $101.0 (+4.6%)
$49.04 52W Range $98.85

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 19, 2026
Market cap
$634.9M
P/E
15.13
ROE
12.5%
Profit margin
34.7%
Debt/Equity
N/A
Dividend yield
0.69%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
RRBI exhibits a stable financial health profile with a Piotroski F-Score of 4/9 and a highly impressive earnings track record. While the current price of $96.53 is slightly above the Graham Number ($89.28), it trades at a significant discount to its growth-based intrinsic value of $188.21. The company demonstrates powerful momentum with 27.2% YoY earnings growth and a nearly flawless history of beating analyst estimates over the last 25 quarters. Despite a low current dividend yield, the extremely low payout ratio suggests substantial capacity for future capital returns.

Key Strengths

Exceptional earnings consistency with beats in 24 of the last 25 quarters
Strong growth trajectory with 27.2% YoY earnings growth and 13.5% revenue growth
Significant upside potential relative to growth-based intrinsic value ($188.21)
Healthy profitability metrics for a regional bank (ROE 12.49%, ROA 1.32%)
Extremely low dividend payout ratio (8.46%) indicating high dividend safety

Key Risks

Regional bank sector exposure to interest rate volatility and credit risk
Piotroski F-Score of 4/9 indicates only 'stable' rather than 'strong' financial health
Low dividend yield (0.69%) may fail to attract income-focused institutional investors
Limited analyst coverage (only 2 analysts) may lead to price volatility
Current price is trading near the 52-week high ($98.85), limiting immediate margin of safety
AI Fair Value Estimate
Based on comprehensive analysis
$138.75
+43.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
70
Strong
Value
75
Future
90
Past
95
Health
50
Dividend
40
AI Verdict
Strong Growth-Value Hybrid
Key drivers: Consistent EPS surprises, Strong YoY earnings growth, Deep discount to intrinsic value
Confidence
90%
Value
75/100

Ref P/E 15.13, Graham Number $89.28

Positives
  • P/E of 15.13 is reasonable for the growth rate
  • Trading near Graham Number defensive value
Watchpoints
  • Price/Book of 1.74 is a slight premium to book value
Future
90/100

Ref 27.2% Earnings Growth

Positives
  • Accelerating Q/Q revenue growth (15.97%)
  • Strong forward P/E compression (13.00)
Watchpoints
  • Dependence on regional economic conditions
Past
95/100

Ref Quarterly Earnings Progression

Positives
  • 25-quarter track record of meeting or beating estimates
  • Strong 1-year price appreciation (+95.2%)
Watchpoints
No urgent risks highlighted.
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Stable Piotroski score
Watchpoints
  • Piotroski F-Score is only 4/9, lacking 'strong' health designation
Dividend
40/100

Ref Yield 0.69%, Payout 8.46%

Positives
  • Very low payout ratio (8.46%)
Watchpoints
  • Low absolute yield (0.69%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$96.53
Analyst Target
$101.0
Upside/Downside
+4.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RRBI and closest competitors.

Updated 2026-04-17
RRB
Red River Bancshares, Inc.
Primary
5Y
+81.0%
3Y
+111.9%
1Y
+95.2%
6M
+52.0%
1M
+11.4%
1W
+3.0%
DGI
Donegal Group Inc.
Peer
5Y
+39.8%
3Y
+28.3%
1Y
-0.2%
6M
-11.2%
1M
+0.8%
1W
-0.3%
GLR
Greenlight Capital Re, Ltd.
Peer
5Y
+106.4%
3Y
+97.1%
1Y
+40.8%
6M
+49.6%
1M
+25.5%
1W
+5.2%
CWB
Community West Bancshares
Peer
5Y
+37.9%
3Y
+33.4%
1Y
+43.2%
6M
+13.4%
1M
+2.0%
1W
-0.3%
HIF
Hingham Institution for Savings
Peer
5Y
+8.4%
3Y
+36.6%
1Y
+35.6%
6M
+8.5%
1M
+5.8%
1W
+2.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
15.13
Forward P/E
13.0
PEG Ratio
N/A
P/B Ratio
1.74
P/S Ratio
5.15
EV/Revenue
3.43
EV/EBITDA
N/A
Market Cap
$634.9M

Profitability

Profit margins and return metrics

Profit Margin 34.71%
Operating Margin 44.88%
Gross Margin N/A
ROE 12.49%
ROA 1.32%

Growth

Revenue and earnings growth rates

Revenue Growth +13.5%
Earnings Growth +27.2%
Q/Q Revenue Growth +15.97%
Q/Q Earnings Growth +22.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$32.44

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
34.7%
Total Assets
$3.4B
Liabilities
$3.0B
Equity
$0.4B
Debt/Equity
8.18x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
87%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A
2026-01-30
$1.73
+7.2% surprise
2025-10-30
$1.63
+6.2% surprise
2025-07-30
$1.51
+6.6% surprise

Financial Services Sector Comparison

Comparing RRBI against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)
P/E Ratio
15.13
This Stock
vs
43.93
Sector Avg
-65.6% (Discount)
Return on Equity (ROE)
12.49%
This Stock
vs
0.14%
Sector Avg
+8648.2% (Excellent)
Profit Margin
34.71%
This Stock
vs
46.8%
Sector Avg
-25.8% (Weaker)
Revenue Growth
13.5%
This Stock
vs
40.4%
Sector Avg
-66.6% (Slower)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

CARRIERE ISABEL V
Chief Financial Officer
Stock Award
2026-04-01
800 shares
CHATELAIN RONALD BLAKE
Chief Executive Officer
Stock Award
2026-04-01
600 shares
SALAZAR BRYON C
Officer
Stock Award
2026-04-01
1,600 shares
SALAZAR TAMMI R
Officer
Stock Award
2026-04-01
1,600 shares
SALAZAR BRYON C
Officer
Gift
2026-03-11
255 shares
SALAZAR TAMMI R
Officer
Gift
2026-03-11
255 shares
PRICE TEDDY RAY
Director
Buy
2026-02-25
64 shares · $5,784
PRICE TEDDY RAY
Director
Buy
2026-02-04
747 shares · $67,322
PRICE TEDDY RAY
Director
Stock Award
2026-01-30
198 shares · $16,446
MOREAU ANNA BRASHER
Director
Stock Award
2026-01-30
198 shares · $16,446
ASHBROOK MICHAEL SCOTT
Director
Stock Award
2026-01-30
181 shares · $15,034
PRICE TEDDY RAY
Director
Buy
2025-11-06
1,046 shares · $68,788
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-K
10-K
2026-03-13

RRBI filed its annual 10-K on March 13, 2026, which includes detailed disclosures regarding its business operations, risk factors, and financial condition. While specific financial metrics and risk details were not provided in the excerpts, the filing contains comprehensive analysis within the MD&A and Risk Factors sections.

DEF 14A
DEF 14A
2026-03-13

RRBI filed a Definitive Proxy Statement on March 13, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

8-K
8-K
2026-02-26

RRBI announced its annual financial results for the fiscal year ended December 31, 2025.

8-K
8-K
2026-02-26

RRBI announced its annual financial results for the fiscal year ended December 31, 2025.

8-K
8-K
2026-01-30

RRBI filed an 8-K on January 30, 2026, likely to announce its financial results for the preceding fiscal period.

8-K
8-K
2025-12-18
8-K
8-K
2025-11-28
8-K
8-K
2025-11-20
10-Q
10-Q
2025-11-07

RRBI filed its 10-Q on November 7, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for Risk Factors under Item 1A.

8-K
8-K
2025-10-30

RRBI filed an 8-K on October 30, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-08-29
10-Q
10-Q
2025-08-08
8-K
8-K
2025-08-07
8-K
8-K
2025-07-30
8-K
8-K
2025-07-24
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
2 analysts
Raymond James
2026-04-07
down
Outperform Market Perform

Past News Coverage

Recent headlines mentioning RRBI from our newsroom.

Newest → oldest
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