Red River Bancshares (RRBI) AI Stock Analysis

• Market Cap: $332.11M
• Dividend Yield: 0.8%
• Average Volume (3M): 8.17K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.77
• Revenue Growth: 12.88%
• EPS Growth: 2.03%
• Country: US
• Employees: 358
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 4.95
• Shares Outstanding: 6,777,657
• 10 Day Avg. Volume: 6,408
• 30 Day Avg. Volume: 8,169
• PEG Ratio: 4.89
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.16
• Price to Cash Flow (P/CF): 21.20
• P/FCF Ratio: 6.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $57.00
• Price Target Upside: 17.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

Red River Bancshares shows strong financial fundamentals with solid profitability and low leverage, despite concerns about missing revenue data for 2024. The technical analysis indicates potential downward pressure, while the valuation suggests the stock may be undervalued. These mixed factors result in a moderate overall stock score.

Red River Bancshares Business Overview & Revenue Model

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.

How the Company Makes Money

Red River Bancshares makes money primarily through traditional banking activities. Key revenue streams include interest income from loans and mortgages, which is the largest contributor to its earnings. The company also generates non-interest income from service charges on deposit accounts, fees from loan and mortgage origination, and revenue from wealth management and investment services. Additionally, Red River Bank earns from interest on securities investments. The bank's earnings are further influenced by its strategic focus on expanding its deposit base and maintaining a strong loan portfolio, which supports sustained interest income.

Red River Bancshares Financial Statement Overview

Summary

Red River Bancshares exhibits strong financial health with robust profitability and low leverage. While the balance sheet and cash flows are generally positive, the unusual absence of revenue data in 2024 is a significant concern. Despite this, historical performance indicates a well-managed financial position, conducive to navigating future challenges.

Income Statement

The company demonstrated consistent revenue growth from 2019 to 2023, although revenue declined in 2024. Gross and net profit margins remain strong, indicating a profitable operation. However, the lack of revenue in 2024 signals a potential data issue or operational challenge, impacting the score.

Balance Sheet

The company maintains a solid equity base, with a zero debt level in 2024, reflecting strong financial health and low leverage risk. The equity ratio is stable, suggesting significant shareholder investment relative to assets, a positive sign for long-term stability.

Cash Flow

Operating cash flow has remained positive, supporting business operations and investment. The free cash flow has experienced variability, yet remains positive, which is crucial for maintaining liquidity and funding growth. However, the absence of cash flow data for 2024 raises concerns about future cash generation.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
108.84M	106.82M	104.73M	95.20M	91.11M
	Gross Profit
108.84M	106.82M	94.69M	86.82M	82.73M
	EBIT
-93.54M	52.25M	52.18M	40.06M	34.47M
	EBITDA
0.00	45.69M	47.59M	42.61M	36.88M
	Net Income Common Stockholders
34.23M	34.88M	36.92M	32.95M	28.14M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
213.23M	305.43M	892.80M	1.44B	945.41M
	Total Assets
3.01B	3.13B	3.08B	3.22B	2.64B
	Total Debt
2.86M	3.77M	4.26M	3.84M	4.23M
	Net Debt
-210.96M	-301.66M	-274.13M	-781.02M	-442.97M
	Total Liabilities
2.83B	2.82B	2.82B	2.93B	2.36B
	Stockholders Equity
1.25B	303.85M	265.75M	298.15M	285.48M
Cash Flow		Free Cash Flow
40.11M	35.20M	37.42M	58.84M	5.76M
	Operating Cash Flow
40.11M	40.11M	45.87M	62.26M	12.80M
	Investing Cash Flow
-8.74M	-8.74M	-438.70M	-284.68M	-316.26M
	Financing Cash Flow
-15.57M	-4.34M	-113.64M	560.08M	617.37M

Red River Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 48.67
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RRBI, the sentiment is Negative. The current price of 48.67 is below the 20-day moving average (MA) of 51.95, below the 50-day MA of 54.35, and below the 200-day MA of 53.16, indicating a bearish trend. The MACD of -0.89 indicates Positive momentum. The RSI at 41.57 is Neutral, neither overbought nor oversold. The STOCH value of 51.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RRBI.

Red River Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HOMB	76 Outperform	$4.99B	12.49	10.38%	3.04%	8.83%	3.77%
SFBS	70 Neutral	$3.86B	17.01	14.87%	1.75%	16.28%	9.61%
BOH	67 Neutral	$2.45B	17.78	9.73%	4.55%	4.63%	-16.29%
TCBI	67 Neutral	$2.98B	50.69	2.36%	―	8.15%	-64.06%
Sector *	63 Neutral	$12.88B	9.21	9.18%	4.78%	16.30%	-8.66%
RRBI	61 Neutral	$332.11M	9.90	10.98%	0.80%	12.88%	2.03%
IBTX	47 Neutral	$2.51B	―	-22.16%	2.50%	14.09%	-729.23%