RRBI
Red River Bancshares, Inc.
RRBI's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.
RRBI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RRBI's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RRBI.
RRBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $72.53 | -30% |
| Fair | 12x | $83.70 | -20% |
| Expensive | 13x | $96.62 | -7.2% |
| Current | 14x | $104 | — |
| Forward | 14x | $104 | — |
Historical ranges are pointers, not guarantees.
RRBI's PE is in its expensive range at 14.4x. If earnings grow as analysts expect, today's price would be 13.5x next year's earnings.
RRBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RRBI, with profitability improving.
RRBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.70 | +6.7% |
| Q3 2026 | $7.22 | +20% |
| Q2 2026 | $6.95 | +23% |
| Q1 2026 | $6.68 | +26% |
| Q4 2025 | $6.39 | +29% |
| Q3 2025 | $6.03 | +27% |
| Q2 2025 | $5.67 | +23% |
| Q1 2025 | $5.32 | +13% |
| Q4 2024 | $4.96 | +2.1% |
RRBI's earnings per share have climbed steadily: $7.22 over the past year, up 20% from the year before, and higher year over year for eight quarters in a row.
RRBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $34.8M | +9.1% |
| Q2 2026 | $33.7M | +10% |
| Q1 2026 | $32.9M | +10% |
| Q4 2025 | $33.2M | +16% |
| Q3 2025 | $31.9M | +14% |
| Q2 2025 | $30.5M | +14% |
| Q1 2025 | $29.9M | +14% |
| Q4 2024 | $28.7M | +8.3% |
RRBI's revenue has grown year over year for nine quarters in a row: $35M last quarter, up 9.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +3 points |
| Q2 2026 | 44% | +1.9 points |
| Q1 2026 | 45% | +2.4 points |
| Q4 2025 | 43% | +2.5 points |
| Q3 2025 | 42% | +3.1 points |
| Q2 2025 | 42% | +4.8 points |
| Q1 2025 | 43% | +4.5 points |
| Q4 2024 | 40% | +1.7 points |
RRBI's operating margin was 45% last quarter, up 3 points from the same quarter a year ago, near the top of its range since 2019.
RRBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13.8M | -13% |
| Q2 2026 | $11.1M | +214% |
| Q1 2026 | $15M | +9.7% |
| Q4 2025 | $9.2M | +472% |
| Q3 2025 | $15.8M | -6.8% |
| Q2 2025 | $3.5M | +145% |
| Q1 2025 | $13.7M | +2.2% |
| Q4 2024 | $1.6M | -77% |
RRBI's free cash flow was $49M over the past year, up 42% from the year before. Free cash flow isn't a meaningful measure for financial services companies like RRBI.
RRBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -3.3K shares |
| 1 year | -0.4% | -29K shares |
| 3 years | -7.9% | -568K shares |
RRBI has 7M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | — |
| Q3 2025 | $5.3M |
| Q2 2025 | $5.8M |
| Q1 2025 | — |
| Q4 2024 | $2.5M |
| Q3 2024 | $3M |
| Q2 2024 | $764,000 |
RRBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.3x | Net Cash |
| Q2 2026 | -3.3x | Net Cash |
| Q1 2026 | -3.6x | Net Cash |
| Q4 2025 | -3.8x | Net Cash |
| Q3 2025 | -3.0x | Net Cash |
| Q2 2025 | -4.2x | Net Cash |
| Q1 2025 | -5.3x | Net Cash |
| Q4 2024 | -6.0x | Net Cash |
RRBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like RRBI.
RRBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.4 | Neutral |
| Stochastic | 58.9 | Neutral |
RRBI's weekly RSI is 65 (neutral) and its Stochastic is 59 (neutral).
RRBI PE vs Financial Services Sector
| Metric | RRBI | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 11% above |
| PE % | 93 | 63 | 30 pts above |
RRBI is trading at 14x earnings, a 11% premium to the Financial Services sector's median of 13x.
RRBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $102.5 | 1.6% above |
| 20 week MA | $101.1 | 3% above |
| 50 week MA | $91.9 | 13% above |
| 100 week MA | $75.3 | 38% above |
| 200 week MA | $62.8 | 66% above |
RRBI is in an uptrend: it's above all five of its weekly moving averages, and 66% above its 200-week average.
RRBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $54.7 | $48.8 | -11% |
| 2021 | $48.8 | $54.7 | +12% |
| 2022 | $54.7 | $50.5 | -7.6% |
| 2023 | $50.5 | $56.1 | +11% |
| 2024 | $56.1 | $54.5 | -2.9% |
| 2025 | $54.5 | $73.4 | +35% |
| 2026 YTD | $73.4 | $104.1 | +42% |
RRBI is up 42% so far in 2026, after finishing lower in three of the previous six years.