Red River Bancshares, Inc. (RRBI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Red River Bancshares, Inc. (RRBI) trades at $97.56 with AI Score 91/100 (Grade A+). Red River Bancshares, Inc. is a Louisiana-based bank holding company operating through its subsidiary, Red River Bank. Market cap: $642.40M, Sector: Financial services.
Price live · AI analysis from May 10, 2026RRBI stock analysis for 2026: Analysts have set a consensus price target of $97.33 for Red River Bancshares, Inc., suggesting 0.2% downside from the current price of $97.56. The AI MoonshotScore is 91/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
RRBI: 4/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Red River Bancshares, Inc. (RRBI) Financial Services Profile
Red River Bancshares, Inc., operating as Red River Bank, delivers comprehensive banking solutions across Louisiana. With a network of 27 banking centers, the company focuses on commercial and retail clients, offering diverse deposit products, loan services, and advanced online banking, positioning itself as a key regional financial institution.
What Is the Investment Thesis for RRBI?
Red River Bancshares presents a compelling investment case driven by its strong regional presence in Louisiana and diversified banking services. With a market capitalization of $642.40M and a P/E ratio of 13.4, the company demonstrates stable financial performance. A profit margin of 25.8% and a gross margin of 72.9% highlight operational efficiency. Key catalysts include the expansion of its loan portfolio and increased adoption of online banking services. However, potential risks include sensitivity to interest rate fluctuations and competition from larger national banks. The company's beta of 0.45 suggests lower volatility compared to the market, making it a noteworthy option for risk-averse investors. The dividend yield of 0.73% provides a modest income stream.
Based on FMP financials and quantitative analysis
RRBI Key Highlights
- Market capitalization of $642.40M indicates a solid valuation in the regional banking sector.
- P/E ratio of 13.4 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 25.8% demonstrates strong profitability and operational efficiency.
- Gross margin of 72.9% reflects effective cost management and revenue generation.
- Beta of 0.45 indicates lower volatility compared to the broader market, appealing to risk-averse investors.
Who Are RRBI's Competitors?
RRBI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FFBC First Financial Bancorp. | $34.54 | -0.25% | $3.62B | 94 |
| HBAN Huntington Bancshares Incorporated | $18.15 | +1.44% | $36.79B | 68 |
| KEY KeyCorp | $23.52 | +0.36% | $25.38B | 95 |
| MCHB Mechanics Bank | $16.24 | +0.17% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.25 | +0.22% | $80.38M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $53.76 | -0.92% | $30.25B | 67 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.61 | -0.76% | $8.61B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are RRBI's Key Strengths?
- Strong regional presence in Louisiana.
- Diversified banking products and services.
- Experienced management team.
- Solid financial performance with healthy profit margins.
What Are RRBI's Weaknesses?
- Limited geographic diversification.
- Reliance on the Louisiana economy.
- Smaller size compared to national banks.
- Potential vulnerability to interest rate fluctuations.
What Could Drive RRBI Stock Higher?
- Expansion of digital banking services to attract new customers and improve customer retention.
- Potential acquisitions of smaller community banks to expand market presence.
- Growth in commercial lending activities driven by economic development in Louisiana.
- Implementation of new technologies to enhance operational efficiency and customer experience.
What Are the Key Risks for RRBI?
- Financial-distress signal — its Altman Z-Score of -0.58 sits in the distress zone (elevated bankruptcy risk).
- Sensitivity to interest rate fluctuations impacting net interest margin.
- Competition from larger national banks with greater resources.
- Economic downturn in Louisiana affecting loan performance.
- Regulatory changes and compliance costs impacting profitability.
- Cybersecurity threats and data breaches compromising customer data.
What Are the Growth Opportunities for RRBI?
- Expansion of Digital Banking Services: Red River Bancshares can capitalize on the growing demand for digital banking by enhancing its online and mobile platforms. This includes offering more sophisticated features such as AI-powered financial advice, personalized banking experiences, and seamless integration with third-party financial apps. The market for digital banking is projected to reach $9.0 trillion by 2027, presenting a significant opportunity for RRBI to attract and retain customers while reducing operational costs.
- Strategic Branch Expansion: While digital banking is on the rise, a physical presence remains crucial for building customer relationships and trust, especially in the commercial banking segment. Red River Bancshares can strategically expand its branch network in underserved areas of Louisiana, focusing on locations with high growth potential and limited competition. Each new branch represents an opportunity to capture additional market share and increase deposit and loan volumes.
- Targeted Marketing to Underserved Communities: Red River Bancshares can focus on targeted marketing campaigns to reach underserved communities within Louisiana. This includes offering tailored financial products and services that meet the specific needs of these communities, such as microloans, financial literacy programs, and affordable housing loans. By addressing the unique challenges faced by these communities, RRBI can build strong relationships and establish itself as a trusted financial partner.
- Acquisition of Smaller Community Banks: The regional banking sector is ripe for consolidation, presenting opportunities for Red River Bancshares to acquire smaller community banks in Louisiana and neighboring states. These acquisitions can provide RRBI with access to new markets, customers, and talent, while also generating cost synergies through economies of scale. Careful due diligence and integration planning are essential to ensure the success of these acquisitions.
- Increased Focus on Wealth Management Services: Red River Bancshares can expand its wealth management services to cater to high-net-worth individuals and families in Louisiana. This includes offering personalized investment advice, financial planning, estate planning, and trust services. The wealth management market is growing rapidly, driven by increasing affluence and demand for sophisticated financial solutions. By building a strong wealth management division, RRBI can diversify its revenue streams and enhance its profitability.
What Opportunities Does RRBI Have?
- Expansion into new markets through acquisitions.
- Increased adoption of digital banking services.
- Growth in wealth management services.
- Targeted marketing to underserved communities.
What Threats Does RRBI Face?
- Competition from larger national banks.
- Economic downturn in Louisiana.
- Regulatory changes and compliance costs.
- Cybersecurity threats and data breaches.
What Are RRBI's Competitive Advantages?
- Strong local presence and brand recognition in Louisiana.
- Established relationships with commercial and retail customers.
- Comprehensive suite of banking products and services.
- Experienced management team with deep understanding of the regional market.
What Does RRBI Do?
Red River Bancshares, Inc., established in 1998 and headquartered in Alexandria, Louisiana, functions as the bank holding company for Red River Bank. The bank provides a comprehensive suite of banking products and services tailored to both commercial and retail customers throughout Louisiana. Its offerings include a variety of deposit products, such as checking, savings, money market accounts, and time deposits, catering to diverse customer needs. The company also provides an array of lending solutions, including commercial real estate loans, one-to-four family mortgage loans, home equity lines of credit, construction and development loans, commercial and industrial loans, and Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. Additionally, Red River Bank offers tax-exempt loans and various consumer loans for personal, family, and household purposes, including secured and unsecured installment and term loans, home mortgage loans, and lines of credit. Beyond traditional banking services, Red River Bancshares provides treasury management, private banking, and brokerage services, along with investment advisory, financial planning, and retirement plan options. Customers benefit from modern conveniences such as debit and credit cards, direct deposits, cashier's checks, and wire transfer services. The bank also offers robust online banking services, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements. Red River Bank operates through a network of 27 banking centers strategically located across Louisiana, along with two combined loan and deposit production offices in Lafayette and New Orleans, further extending its reach and service capabilities.
What Products and Services Does RRBI Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial real estate loans for business expansion and investment.
- Provides mortgage loans and home equity lines of credit for residential properties.
- Offers construction and development loans for new projects.
- Provides commercial and industrial loans for business operations and growth.
- Administers Small Business Administration (SBA) Paycheck Protection Program (PPP) loans.
- Offers consumer loans for personal, family, and household purposes.
- Provides treasury management, private banking, and brokerage services.
How Does RRBI Make Money?
- Generates revenue through interest income from loans.
- Collects fees from various banking services, such as account maintenance and wire transfers.
- Provides investment advisory and financial planning services for a fee.
- Manages and invests deposits to generate additional income.
What Industry Does RRBI Operate In?
Red River Bancshares operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is experiencing a shift towards digital banking solutions and personalized customer service. The market is influenced by interest rate fluctuations, regulatory changes, and economic conditions. Red River Bancshares differentiates itself through its strong local presence in Louisiana and its focus on community banking. The regional banking sector is expected to grow moderately, driven by increasing demand for loans and financial services from small and medium-sized businesses.
Who Are RRBI's Key Customers?
- Commercial businesses seeking loans and banking services.
- Retail customers needing personal banking solutions.
- High-net-worth individuals seeking private banking and wealth management services.
- Small businesses requiring SBA loans and other financial assistance.
How Red River Bancshares, Inc. Is Valued
Red River Bancshares, Inc. carries a market capitalization of $642.40M, placing it in the small-cap category. Relative to its peer group, RRBI's quantitative score of 91/100 is above the peer average of 79/100.
Company Profile
Red River Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Alexandria, US. The company is led by CEO Ronald Blake Chatelain. RRBI has traded publicly since 2019.
ROE 12%Key Financial Metrics
Return on equity for Red River Bancshares, Inc. stands at 12.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. RRBI trades at a trailing price-to-earnings ratio of 13.39, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.08 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.1%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Red River Bancshares, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.58 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Red River Bancshares, Inc. revenue of about $136.5M for fiscal 2026, with EPS near $7.28.
RRBI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- RRBI insiders seem to be holding steady, suggesting they're not rushing for the exits. That's usually a good sign they believe in the company's long-term prospects.
- The community buzz seems generally positive, with folks talking about RRBI's stability in the current market. It's not hype, but steady confidence.
- RRBI is perceived as a solid, regional player. In a market where everyone's chasing the next big thing, sometimes boring is good.
- Recent market developments haven't seemed to negatively impact RRBI's standing. It's holding its own, which is a win in this environment.
Bear Case
- There's not a huge amount of excitement around RRBI in the community. It's stable, but not generating much buzz or attracting new interest.
- The lack of insider buying might suggest they don't see huge upside potential in the short term, even if they're not selling.
- RRBI's market perception as a regional bank could limit its growth potential compared to larger, more diversified institutions.
- While it's holding steady, RRBI isn't exactly outperforming. If market conditions worsen, it might not have the momentum to weather the storm.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
RRBI Latest News
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Stocks That Hit 52-Week Lows Of Monday
· Aug 12, 2019
RRBI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for RRBI.
Price Targets
Consensus target: $97.33
RRBI MoonshotScore
What does this score mean?
The MoonshotScore rates RRBI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Ronald Blake Chatelain
CEO
Ronald Blake Chatelain serves as the CEO of Red River Bancshares, Inc., bringing extensive experience in the banking and financial services industry. His career spans several decades, during which he has held various leadership positions in regional and community banks. Chatelain's expertise includes strategic planning, risk management, and business development. He is deeply involved in the Louisiana banking community and is known for his commitment to fostering strong customer relationships and community engagement. Chatelain holds a degree in Business Administration from Louisiana State University.
Track Record: Under Ronald Blake Chatelain's leadership, Red River Bancshares has experienced consistent growth and profitability. He has overseen the expansion of the bank's branch network and the introduction of new digital banking services. Chatelain has also played a key role in managing the bank's response to economic challenges and regulatory changes. His strategic decisions have contributed to the bank's strong financial performance and its reputation as a trusted community bank.
What Investors Ask About Red River Bancshares, Inc. (RRBI) — Financial Services
What does Red River Bancshares, Inc. do?
Red River Bancshares, Inc. operates as the holding company for Red River Bank, a Louisiana-based financial institution. The bank provides a comprehensive range of banking products and services to commercial and retail customers. These offerings include deposit accounts, various loan products such as commercial real estate and consumer loans, and services like treasury management, private banking, and online banking. Red River Bank focuses on building strong relationships within the Louisiana community, offering personalized financial solutions through its network of banking centers and digital platforms.
What do analysts say about RRBI stock?
Analyst coverage of Red River Bancshares, Inc. (RRBI) typically focuses on its financial performance, regional market position, and growth prospects. Key valuation metrics such as the P/E ratio and profit margins are closely monitored. Analysts consider the company's ability to maintain asset quality, manage expenses, and capitalize on growth opportunities in the Louisiana market. While specific recommendations vary, the consensus generally reflects a view of stable growth potential tempered by the competitive landscape and economic conditions in the region. No buy or sell recommendations are given.
What are the main risks for RRBI?
Red River Bancshares faces several key risks inherent to the banking industry. These include sensitivity to interest rate changes, which can impact net interest margins, and credit risk associated with loan defaults, particularly during economic downturns. Competition from larger national banks and other financial institutions poses a constant threat. Regulatory compliance and cybersecurity risks also require ongoing attention and investment. The company's concentration in the Louisiana market exposes it to regional economic fluctuations.
What are the key factors to evaluate for RRBI?
Red River Bancshares, Inc. (RRBI) holds an AI score of 91/100 (high). P/E: 13.4x vs the S&P 500's ~20-25x. Analysts target $97.33 (0%). Not financial advice.
How frequently does RRBI data refresh on this page?
RRBI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven RRBI's recent stock price performance?
Red River Bancshares, Inc. (RRBI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Louisiana. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider RRBI overvalued or undervalued right now?
Red River Bancshares, Inc. (RRBI) trades at 13.4x earnings. Analysts target $97.33 (0%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying RRBI?
Before investing in Red River Bancshares, Inc. (RRBI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available financial data and company descriptions.
- Market and industry data are based on general knowledge and may not be specific to Red River Bancshares, Inc.