Red River Bancshares, Inc. (RRBI) Stock

Red River Bancshares, Inc. (RRBI) is a Financials stock trading at $101.57 (as of 2026-08-21), with a market capitalization of $668.75M and a trailing P/E of 14.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Red River Bancshares, Inc. is a bank holding company for Red River Bank, providing banking products and services to commercial and retail customers in Louisiana. It offers deposits, lending for commercial, mortgage, consumer, and construction needs, plus treasury management, private banking, brokerage and advisory services, cards, and online banking.

Understand Red River Bancshares, Inc.: how it makes money

Red River Bancshares operates as a bank holding company, offering banking products and services (deposits, commercial real estate loans, mortgages and home equity lines, construction and development loans, commercial and industrial loans, and other consumer and specialty lending) to commercial and retail customers in Louisiana. It makes money primarily by originating and holding loans funded by customer deposits and other banking resources.

In a bank, the profit engine is the spread between what the bank earns on loans (for example, the average rate on new and renewed loans) and what it must pay or reserve for funding and operating costs, with credit performance on its loan book determining how much of that spread becomes retained profit.

Business quality (Solid): The latest quarter snapshot provided includes an operating margin figure (38.2%) and several operating balance-sheet indicators, but it does not include a reportable segment revenue breakdown.

Valuation: At 14× earnings, RRBI trades 9% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Loan pricing support: The average rate on new and renewed loans is 6.72%, which can support interest income generation when matched with funding costs and credit performance.
On-balance-sheet liquidity: Liquid Assets (Cash and Cash Equivalents) are 0.21 USD_B, which provides some buffer for liquidity needs.

Bear case

Deposit sensitivity risk: Estimated Uninsured Deposits are 0.88 USD_B, which may be more sensitive to rate and competitive pressures than insured deposits.
Real estate and construction credit exposure: The company provides commercial real estate and construction and development loans, and it also shows unfunded construction loan commitments of 0.11 USD_B, which can increase exposure if underwriting or project outcomes deteriorate.

Valuation — source: SEC EDGAR (first-party)
Price	$101.57
Market Cap	$668.75M
P/E Ratio	14.4
EV / EBITDA	7.5
Price / Book	1.74
Price / Sales	4.29
FCF Yield	13.3%
DCF Value (model)	$134.81
DCF Upside vs Price	32.7%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$149.89M
Net Margin	28.5%
Revenue Growth (YoY)	9.6%
EPS Growth (YoY)	27.0%
FCF Growth (YoY)	-100.0%

Valuation vs Sector & Industry
Stock P/E	14.4
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-4.8%
vs Industry	10.9%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($29.90M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Ronald Blake Chatelain
Employees	375
Country	US
IPO Date	2019-05-03

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.