RRBI

Red River Bancshares, Inc.

$57.86

0.66

(1.15%)

Exchange:	NASDAQ
Market Cap:	386.695M
Shares Outstanding:	7.3M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	68,216	63,499	72,916	78,461	91,115	95,199	104,727	106,817	108,840
? Cost Of Revenue	0	0	0	8,609	8,382	8,382	10,032	0	0
? Gross Profit	68,216	63,499	72,916	69,852	82,733	86,817	94,695	106,817	108,840
? Research And Development Expenses	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	26,837	28,364	26,094	27,800	31,160	32,449	34,560	37,241	38,623
? Selling And Marketing Expenses	1,880	760	762	1,025	933	921	1,134	1,302	1,374
? Operating Expenses	8,262	-34,408	-36,911	-47,997	-56,647	-55,139	58,655	54,568	108,840
? Net Interest Income	0	0	0	0	0	0	0	0	89,199
? Interest Income	0	58,377	66,852	73,691	77,358	77,329	94,335	118,413	137,135
? Interest Expense	0	6,560	7,649	10,086	8,378	5,617	7,736	32,130	47,936
? Depreciation And Amortization	2,236	2,041.999	2,041	2,352	2,414	2,552	2,609	2,746	3,219
? EBITDA	26,128	24,573	30,397	26,390	36,882	42,612	47,590	45,690	0
? EBIT									-3,219
? Operating Income	21,472	29,091	36,005	30,464	34,468	40,060	52,184	52,249	-93,536
? Income Before Tax	20,709	22,531	28,356	30,464	34,468	40,060	44,981	42,944	42,381
? Income Tax Expense	5,607	8,546	5,300	5,640	6,323	7,108	8,065	8,064.999	8,146
? Net Income From Continuing Operations									34,235
? Net Income	15,102	13,985	23,056	24,824	28,145	32,952	36,916	34,879	34,235
? EPS (Earnings Per Share)	2.070	1.940	3.200	3.510	3.840	4.530	5.140	4.870	4.960
? EPS Diluted	2.070	1.940	3.200	3.490	3.830	4.510	5.130	4.860	4.950
? Weighted Average Shares Outstanding	7,300.246	7,210.246	7,210.246	7,072.689	7,322.158	7,281.136	7,180.975	7,164.314	6,898.286
? Weighted Average Shares Outstanding Diluted	7,300.246	7,210.246	7,210.246	7,115.514	7,345.045	7,299.720	7,197.453	7,181.728	6,918.060
	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	120,509	59,667	151,906	133,292	447,201	784,864	278,392	305,426	210,959
? Short Term Investments	0	345,344	307,877	335,573	498,206	659,178	614,407	3,353	2,273
? Cash And Short Term Investments	120,509	405,011	459,783	468,865	945,407	1,444,042	892,799	305,426	213,232
? Net Receivables	0	4,931	5,013	5,251	0	0	0	9,945	0
? Accounts Receivables									10,048
? Inventory	0	-64,598	-156,919	-139,671	-454,977	-791,769	-287,222	0	0
? Total Current Assets	125,373	409,942	464,796	474,116	952,287	1,450,287	901,629	305,426	213,232
? Property Plant Equipment Net	33,989	35,896	39,690	46,297	51,078	51,799	58,520	60,717	0
? Goodwill	0	0	1,546	1,546	1,546	1,546	1,546	1,546	0
? Intangible Assets	0	0	0	1,546	1,546	1,546	1,546	0	0
? Long Term Investments	97,285	355,605	312,997	340,859	505,674	670,474	779,547	255,909	0
? Total Non Current Assets	1,519,504	391,501	352,687	388,702	558,298	723,819	60,066	2,813,370	1,546
? Total Assets	1,644,877	1,724,264	1,860,588	1,988,225	2,642,634	3,224,710	3,082,686	3,128,810	3,007,133
? Account Payables	0	1,503	1,757	0	1,774	1,310	1,563	8,000	7,583
? Short Term Debt	0	0	0	4,603	0	0	0	0	0
? Deferred Revenue	0	0	0	-2,381	1,245	-2,532	0	-8,000	0
? Total Current Liabilities	1,030,982	1,503	1,757	2,222	1,774	1,310	4,258	0	7,583
? Long Term Debt	11,756	11,523	11,341	4,083	4,233	3,842	4,258	3,767	0
? Deferred Revenue Non Current	0	0	0	0	0	0	0	0	0
? Deferred Tax Liabilities Non Current	0	0	0	0	0	0	0	0	0
? Total Non Current Liabilities	462,072	11,523	11,341	4,603	4,233	3,842	2,812,675	2,824,959	2,864
? Total Liabilities	1,493,054	1,546,161	1,666,885	1,736,327	2,357,156	2,926,560	2,816,933	2,824,959	2,829,855
? Treasury Stock									0
? Preferred Stock	0	0	0	0	0	0	0	0	0
? Common Stock	33,438	45,539	41,094	68,082	68,055	60,233	60,050	55,136	38,655
? Retained Earnings	122,830	137,949	160,115	182,571	208,957	239,876	274,781	306,802	0
? Additional Paid In Capital									0
? Total Stockholders Equity	151,823	178,103	193,703	251,898	285,478	298,150	265,753	303,851	1,248,093
? Total Equity	151,823	178,103	193,703	251,898	285,478	298,150	265,753	303,851	1,248,093
? Minority Interest	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,644,877	1,724,264	1,860,588	1,988,225	2,642,634	3,224,710	3,082,686	3,128,810	3,149,594
? Total Investments	97,285	700,949	620,874	676,432	1,003,880	1,329,652	1,393,954	255,909	2,273
? Total Debt	11,756	11,523	11,341	4,603	4,233	3,842	4,258	3,767	2,864
? Net Debt	-108,753	-48,144	-140,565	-128,689	-442,968	-781,022	-274,134	-301,659	-210,959
	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	15,102	13,985	23,056	24,824	28,145	32,952	36,916	34,879	34,879
? Depreciation And Amortization	2,236	2,042	2,041	2,352	2,414	2,552	2,609	2,746	2,198
? Deferred Income Tax	0	1,970	-452	-556	130	-773	313	-330	764
? Stock Based Compensation	163	180	193	314	338	319	359	361	319
? Change In Working Capital	-43	-1,346	-3,742	-2,502	-26,676	24,279	1,100	3,253	0
? Accounts Receivables	-366	-413	-82	-238	-1,629	635	-2,585	0	0
? Inventory	0	1,279	-1,037	-2,185	-24,031	24,756	0	0	0
? Accounts Payables	0	20	254	465	-448	-464	253	0	-417
? Net Cash Provided By Operating Activities	19,330	20,093	24,133	26,443	12,798	62,264	45,867	40,111	40,111
? Investments In Property Plant And Equipment	-576	-3,487	-5,432	-3,772	-7,035	-3,427	-8,444	-4,916	0
? Acquisitions Net	0	-102,195	-81,133	-112,574	-151,909	-95,844	0	0	0
? Purchases Of Investments	-138,562	-168,206	-20,757	-145,640	-421,500	-393,496	-323,542	-97,231	-792
? Sales Maturities Of Investments	121,456	127,209	59,209	126,003	263,858	212,699	126,272	172,237	2,178
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	-8,741
? Net Debt Issuance	0	0	0	0	0	0	0	0	0
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	-16,309
? Net Dividends Paid	0	0	-1,009	-1,326	-1,759	-2,033	-2,011	-2,289	-2,483
? Common Dividends Paid									-2,289
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	-194
? Net Cash Provided By Financing Activities	140,890	64,964	113,962	89,762	617,367	560,077	-113,641	-4,336	-15,574
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0
? Net Change In Cash	28,266	-60,842	92,239	-18,614	313,909	337,663	-506,472	27,034	27,034
? Cash At End Of Period	120,509	59,667	151,906	133,292	447,201	784,864	278,392	305,426	305,426
? Cash At Beginning Of Period	92,243	120,509	59,667	151,906	133,292	447,201	784,864	278,392	278,392
? Operating Cash Flow	19,330	20,093	24,133	26,443	12,798	62,264	45,867	40,111	40,111
? Capital Expenditure	-576	-3,487	-5,432	-3,772	-7,035	-3,427	-8,444	-4,916	0
? Free Cash Flow	18,754	16,606	18,701	22,671	5,763	58,837	37,423	35,195	40,111
	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	79,093.161	88,822.049	94,952.036	105,781	106,657	109,230	118,550	125,118
Estimated Revenue (High)	79,714.799	89,520.152	95,698.318	105,781	106,657	109,230	118,550	125,118
Estimated Revenue (Avg)	79,403	89,170	95,324	105,781	106,657	109,230	118,550	125,118
Estimated Ebitda (Low)	32,326.042	28,524.216	31,931.687	42,651.240	49,591.922	45,240.899	49,101.058	51,821.394
Estimated Ebitda (High)	32,580.111	42,786.323	47,897.531	63,976.860	74,387.886	45,240.899	49,101.058	51,821.394
Estimated Ebitda (Avg)	32,452.676	35,655.270	39,914.609	53,314.051	61,989.904	45,240.899	49,101.058	51,821.394
Estimated Net Income (Low)	24,651.284	17,703.807	22,124.163	31,861.803	27,903.199	33,721.521	37,946.173	40,325.408
Estimated Net Income (High)	24,903.435	26,555.711	33,186.244	47,792.704	41,854.799	34,218.496	39,040.812	40,325.408
Estimated Net Income (Avg)	24,776.965	22,129.759	27,655.204	39,827.254	34,879	33,970.009	38,493.493	40,325.408
Estimated SGA Expense (Low)	26,684.403	23,955.768	27,040.498	23,808.474	26,221.248	38,706.637	42,009.263	44,336.693
Estimated SGA Expense (High)	26,894.130	35,933.651	40,560.748	35,712.712	39,331.875	38,706.637	42,009.263	44,336.693
Estimated SGA Expense (Avg)	26,788.936	29,944.710	33,800.623	29,760.593	32,776.562	38,706.637	42,009.263	44,336.693
Estimated EPS (Avg)	3.450	3.540	4.340	5.120	4.720	4.740	5.370	5.620
Estimated EPS (High)	3.470	3.550	4.360	5.120	4.730	4.760	5.440	5.620
Estimated EPS (Low)	3.430	3.520	4.320	5.120	4.710	4.700	5.280	5.620
Number of Analysts (Estimated Revenue)	1	1	1	1	1	1	1	1
Number of Analysts (Estimated EPS)	1	1	1	1	2	2	2	1

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Current Key Metrics

?	Revenue (TTM) :	157.671M	?	P/S (TTM) :	2.36
?	Net Income (TTM) :	34.235M	?	P/E (TTM) :	10.52
?	Enterprise Value (TTM) :	128.323M	?	EV/FCF (TTM) :	3.83
?	Dividend Yield (TTM) :	0.01	?	Payout Ratio (TTM) :	0.07
?	ROE (TTM) :	0.11	?	ROIC (TTM) :	0.1
?	Net Debt (TTM) :	-27694000	?	Debt/Equity (TTM) :	0.01
?	P/B (TTM) :	1.15	?	Current Ratio (TTM) :	0.1

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
16.58	16.16	13.18	11.17	12.12

SWOT Analysis

No SWOT analysis available for this stock.

RRBI

1.15

1.54

4.46

10.89

4.42

21.17

37.53

Trading Metrics:

Open:	58.23	Previous Close:	57.2
Day Low:	57.59	Day High:	58.43
Year Low:	45.88	Year High:	62.13
Price Avg 50:	54.4	Price Avg 200:	54.23
Volume:	14831	Average Volume:	8927

Relevant news

06-02-2025 09:56

Red River Bancshares (RRBI) Is a Great Choice for 'Trend' Investors, Here's Why

RRBI

Red River Bancshares, Inc.

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

Relevant news

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