Red River Bancshares (RRBI)


Market Price (11/6/2026): $104.47 | Market Cap: $687.8 MilSector: Financials | Industry: Regional Banks

Red River Bancshares (RRBI)


Market Price (11/6/2026): $104.47
Market Cap: $687.8 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%, FCF Yield is 7.4%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -29%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39%

Low stock price volatility
Vol 12M is 25%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Trading close to highs
Dist 52W High is -3.1%, Dist 3Y High is -3.1%

Key risks
RRBI key risks include [1] increasing provisions for credit losses driven by its loan growth and exposure to economic uncertainties related to tariffs and trade.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%, FCF Yield is 7.4%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -29%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39%
3 Low stock price volatility
Vol 12M is 25%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5 Trading close to highs
Dist 52W High is -3.1%, Dist 3Y High is -3.1%
6 Key risks
RRBI key risks include [1] increasing provisions for credit losses driven by its loan growth and exposure to economic uncertainties related to tariffs and trade.

RRBI in ETFs

Weight = RRBI's share of each fund

VTI0.00%
ITOT0.00%
IWM0.02%
KRE0.29%
AVUV0.04%
IWN0.04%
VTWO0.02%
DFAS0.01%
+2 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

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Updated on 11/1/2026

Red River Bancshares (RRBI) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Red River Bancshares (RRBI) reported stronger-than-expected financial results for fiscal Q3 2026, significantly beating analyst estimates.

The company announced earnings on October 30, 2026, with diluted earnings per share (EPS) of $1.90, surpassing the consensus estimate of $1.83 by $0.07. Net income for the quarter reached $12.6 million, marking a 16.3% increase compared to fiscal Q3 2025. Total revenue also exceeded expectations, coming in at $34.31 million against an estimated $34.27 million. This positive earnings surprise led to a new 52-week high for the stock.

2. The company experienced robust loan growth and an expansion in net interest income during fiscal Q3 2026.

Red River Bancshares reported increased loan demand across its markets, with loans held for investment rising by $59.5 million in the third quarter of 2026. This strong lending activity contributed to a $916,000, or 3.2%, increase in net interest income from the prior quarter, driven mainly by higher earning asset balances. The net interest margin (FTE) remained consistent at 3.61% for the quarter.

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Updated on 11/1/2026

Red River Bancshares (RRBI) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Red River Bancshares (RRBI) reported stronger-than-expected financial results for fiscal Q3 2026, significantly beating analyst estimates.

The company announced earnings on October 30, 2026, with diluted earnings per share (EPS) of $1.90, surpassing the consensus estimate of $1.83 by $0.07. Net income for the quarter reached $12.6 million, marking a 16.3% increase compared to fiscal Q3 2025. Total revenue also exceeded expectations, coming in at $34.31 million against an estimated $34.27 million. This positive earnings surprise led to a new 52-week high for the stock.

2. The company experienced robust loan growth and an expansion in net interest income during fiscal Q3 2026.

Red River Bancshares reported increased loan demand across its markets, with loans held for investment rising by $59.5 million in the third quarter of 2026. This strong lending activity contributed to a $916,000, or 3.2%, increase in net interest income from the prior quarter, driven mainly by higher earning asset balances. The net interest margin (FTE) remained consistent at 3.61% for the quarter.

3. Positive analyst sentiment and price target revisions bolstered investor confidence.

Following the strong performance, analyst firms issued favorable updates. Weiss Ratings upgraded Red River Bancshares from a "buy (b+)" to a "buy (a)" rating on October 8, 2026. Additionally, Stephens raised its price objective for the stock from $101.00 to $106.00 in a research note on July 31, 2026. The stock maintains an average rating of "Moderate Buy" with a consensus target price of $106.00, reflecting positive market outlook.

4. Strategic expansion initiatives signal future growth potential.

Red River Bank continued its organic growth strategy by purchasing property in Slidell, Louisiana, on October 22, 2026, for a planned new full-service banking center anticipated to open in fiscal Q1 2027. This follows the relocation of its New Orleans downtown banking center in July 2026 and ongoing construction for a second Lafayette branch, indicating sustained efforts to broaden its market presence.

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Stock Movement Drivers

Fundamental Drivers

The 4.2% change in RRBI stock from 7/31/2026 to 11/5/2026 was primarily driven by a 2.6% change in the company's Total Revenues ($ Mil).
(LTM values as of)731202611052026Change
Stock Price ($)100.31104.484.2%
Change Contribution By: 
Total Revenues ($ Mil)1271312.6%
Net Income Margin (%)34.8%35.1%0.9%
P/E Multiple14.915.00.7%
Shares Outstanding (Mil)77-0.1%
Cumulative Contribution4.2%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
RRBI4.2% 
Market (SPY)-1.9%19.1%
Sector (XLF)1.0%52.4%

Fundamental Drivers

The 15.8% change in RRBI stock from 4/30/2026 to 11/5/2026 was primarily driven by a 7.9% change in the company's P/E Multiple.
(LTM values as of)430202611052026Change
Stock Price ($)90.26104.4815.8%
Change Contribution By: 
Total Revenues ($ Mil)1241315.1%
Net Income Margin (%)34.4%35.1%2.2%
P/E Multiple13.915.07.9%
Shares Outstanding (Mil)77-0.1%
Cumulative Contribution15.8%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
RRBI15.8% 
Market (SPY)2.3%3.3%
Sector (XLF)10.7%44.3%

Fundamental Drivers

The 59.8% change in RRBI stock from 10/31/2025 to 11/5/2026 was primarily driven by a 31.1% change in the company's P/E Multiple.
(LTM values as of)1031202511052026Change
Stock Price ($)65.39104.4859.8%
Change Contribution By: 
Total Revenues ($ Mil)11613112.8%
Net Income Margin (%)33.3%35.1%5.5%
P/E Multiple11.415.031.1%
Shares Outstanding (Mil)772.4%
Cumulative Contribution59.8%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
RRBI59.8% 
Market (SPY)8.4%16.3%
Sector (XLF)11.1%43.1%

Fundamental Drivers

The 130.6% change in RRBI stock from 10/31/2023 to 11/5/2026 was primarily driven by a 79.3% change in the company's P/E Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)45.30104.48130.6%
Change Contribution By: 
Total Revenues ($ Mil)11013118.6%
Net Income Margin (%)35.3%35.1%-0.6%
P/E Multiple8.415.079.3%
Shares Outstanding (Mil)779.0%
Cumulative Contribution130.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
RRBI130.6% 
Market (SPY)81.3%41.4%
Sector (XLF)85.5%53.0%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
RRBI Return9%-4%11%-3%34%47%120%
Peers Return21%-38%-12%-30%-16%-12%-66%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
RRBI Win Rate50%42%42%50%83%91% 
Peers Win Rate60%50%50%33%56%59% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
RRBI Max Drawdown-24%-15%-18%-21%-19%-9% 
Peers Max Drawdown-24%-46%-55%-43%-43%-46% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, GBC, NARA, SHFS.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventRRBIS&P 500
2025 US Tariff Shock
  % Loss-16.5%-18.8%
  % Gain to Breakeven19.7%23.1%
  Time to Breakeven74 days79 days
2023 SVB Regional Banking Crisis
  % Loss-11.5%-6.7%
  % Gain to Breakeven13.0%7.1%
  Time to Breakeven19 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-11.2%-24.5%
  % Gain to Breakeven12.7%32.4%
  Time to Breakeven11 days427 days
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.8%50.9%
  Time to Breakeven352 days140 days

Compare to FITB, MTB, HBAN, CFG, RF

In The Past

Red River Bancshares's stock fell -16.5% during the 2025 US Tariff Shock. Such a loss loss requires a 19.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventRRBIS&P 500
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.8%50.9%
  Time to Breakeven352 days140 days

Compare to FITB, MTB, HBAN, CFG, RF

In The Past

Red River Bancshares's stock fell -16.5% during the 2025 US Tariff Shock. Such a loss loss requires a 19.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Red River Bancshares (RRBI)

Red River Bancshares, Inc. (RRBI) operates as a bank holding company, primarily through its subsidiary Red River Bank, offering a comprehensive range of banking products and services. The company serves both commercial and retail customers exclusively within Louisiana, aiming to meet their financial needs across various life stages and business operations.

The bank's core product offerings include a variety of deposit accounts such as checking, savings, money market accounts, and time deposits. On the lending side, Red River Bank provides a diverse portfolio, featuring commercial real estate loans, one-to-four family mortgage loans, home equity lines of credit, construction and development loans, and commercial and industrial loans. Additionally, it offers specialized loans like Small Business Administration (SBA) Paycheck Protection Program loans, tax-exempt loans, and general consumer loans.

Beyond traditional banking, Red River Bancshares extends its services to include treasury management, private banking, brokerage services, investment advisory, and financial planning, along with retirement plans. The company also provides modern conveniences such as debit and credit cards, direct deposits, wire transfers, and robust online and mobile banking platforms, delivering services through a network of 27 banking centers and additional offices throughout Louisiana.

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1. It's like Bank of America, but exclusively for Louisiana.

2. It's Louisiana's main regional bank, similar to a single-state version of Truist.

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  • Deposit Accounts: Offers a variety of checking, savings, money market, and time deposit accounts for both commercial and retail customers.
  • Commercial Lending: Provides loans for commercial real estate, construction and development, and general commercial and industrial needs, including SBA Paycheck Protection Program loans and tax-exempt loans.
  • Retail Lending: Delivers one-to-four family mortgage loans, home equity lines of credit, and diverse consumer loans for personal and household purposes.
  • Wealth Management & Advisory: Offers investment advisory, financial planning, private banking, and a suite of retirement plans.
  • Treasury Management & Brokerage: Provides specialized treasury management services and brokerage options for businesses.
  • Payment & Transaction Services: Facilitates transactions through debit and credit cards, direct deposits, cashier's checks, and wire transfer services.
  • Digital & Remote Banking: Enables convenient banking with online and mobile access, including bill payment, transfers, and remote deposit capabilities.

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Red River Bancshares (RRBI) serves a diverse customer base, primarily categorized as follows:

  • Commercial Businesses: This category includes various businesses in Louisiana, ranging from small to large enterprises, that utilize the bank's commercial real estate loans, construction and development loans, commercial and industrial loans, small business administration (SBA) paycheck protection program loans, treasury management services, and general business banking products.
  • Retail Individuals: This category encompasses individual customers seeking a range of personal banking services, including checking, savings, money market accounts, consumer loans for personal, family, and household purposes, one-to-four family mortgage loans, home equity lines of credit, private banking, investment advisory, and financial planning services.
  • Governmental and Non-Profit Organizations: The company offers tax-exempt loans, indicating that it also serves various governmental entities and non-profit organizations within its operating regions in Louisiana.

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R. Blake Chatelain – President, Chief Executive Officer, and Director

Mr. Chatelain is one of the founders of Red River Bank, established in 1999, and has served as President and Chief Executive Officer since joining the organization in 1998. Before founding Red River Bank, he gained 14 years of experience with other Louisiana banking organizations. He served as Executive Vice President of Rapides Bank & Trust Company in Alexandria, Louisiana, where he managed the commercial lending group until its sale to Bank One Corporation in 1998. Prior to that, he was Vice President at Hibernia National Bank in Monroe, Louisiana, managing the commercial lending group.

Isabel V. Carriere – Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary

Ms. Carriere holds the pivotal role of Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary for Red River Bancshares, Inc. and Red River Bank. She is a CPA and CGMA, with responsibilities encompassing the company's financial operations, including budgeting, financial reporting, risk management, and capital allocation. Ms. Carriere also serves as the Principal Accounting Officer, overseeing the integrity and accuracy of the company's financial statements.

Bryon C. Salazar – Executive Vice President and Chief Banking Officer

Mr. Salazar serves as Executive Vice President and Chief Banking Officer of Red River Bank. He has held significant leadership positions, including Chief Lending Officer. In his roles, he is responsible for driving the bank's lending strategies, overseeing banking operations, managing the loan portfolio, developing credit policies, and fostering client relationships.

Tammi R. Salazar – Executive Vice President and Chief Operating Officer

Ms. Salazar is the Executive Vice President and Chief Operating Officer of Red River Bank. She also holds the title of Executive Vice President of Private Banking, Mortgage, and Investments.

Julia E. Callis, J.D. – Senior Vice President, General Counsel, and Corporate Secretary

Ms. Callis holds the position of Senior Vice President, General Counsel, and Corporate Secretary of the Company and Red River Bank.

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Key Risks to the Business

  • Geographic Concentration Risk: Red River Bancshares, Inc. operates exclusively within Louisiana, with 27 banking centers and two combined loan and deposit production offices in the state. This geographic concentration exposes the company to significant risks associated with regional economic downturns, industry-specific challenges prevalent in Louisiana (such as the energy sector), and the potential impact of natural disasters like hurricanes. Any adverse economic or environmental event in Louisiana could disproportionately affect the bank's loan portfolio quality, deposit base, and overall financial performance.

  • Credit Risk: As a bank holding company, Red River Bancshares is heavily involved in lending activities, offering a diverse portfolio of loans including commercial real estate, one-to-four family mortgages, construction and development loans, commercial and industrial loans, and consumer loans. The inherent risk in these operations is the potential for borrowers to default on their obligations, leading to loan losses. A downturn in the economic conditions within its primary operating region (Louisiana) could lead to an increase in non-performing loans and charge-offs, significantly impacting the bank's profitability and capital.

  • Interest Rate Risk: Red River Bancshares' profitability, like that of other financial institutions, is significantly influenced by interest rate fluctuations. Changes in the general interest rate environment can affect the spread between the interest earned on its assets (primarily loans) and the interest paid on its liabilities (primarily deposits). A mismatch in the repricing characteristics of its assets and liabilities could lead to a compression of its net interest margin, thereby negatively impacting its net income.

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The emergence and growth of digital-only banks (neobanks) pose a clear threat. These institutions operate without physical branches, leveraging technology to offer potentially lower fees, higher interest rates, and a more seamless digital experience. They directly challenge the traditional brick-and-mortar banking model employed by Red River Bancshares, which relies on a network of 27 physical banking centers and two combined loan and deposit production offices. This shift in consumer preference towards digital-first banking could erode Red River Bancshares' customer base, particularly among younger demographics and those who prioritize convenience and cost over in-person service.

The proliferation of specialized financial technology (Fintech) companies also presents a clear emerging threat. These companies focus on specific banking services, often providing them more efficiently, at lower costs, or with a superior user experience compared to traditional banks. Examples include online lenders that compete with Red River Bancshares' commercial, mortgage, and consumer loan portfolios; digital payment platforms that rival traditional transfer and payment services; and robo-advisors or commission-free trading apps that challenge its brokerage and investment advisory offerings. This unbundling of financial services by fintechs can lead to customer attrition in key revenue-generating areas for Red River Bancshares.

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Red River Bancshares, Inc. (symbol: RRBI) operates primarily within Louisiana, offering a range of banking products and services to commercial and retail customers. The addressable markets for its main products and services in Louisiana are as follows:

  • Deposit Products (Checking, Savings, Money Market, Time Deposits): The total deposits held by banks in Louisiana amounted to $131 billion. More specifically, community banks in Louisiana held approximately $76.2 billion in deposits as of December 13, 2024. The market size for these products is for the region of Louisiana.

  • Loan Products (Commercial Real Estate, Mortgage, Construction and Development, Commercial and Industrial, Small Business Administration Paycheck Protection Program, Tax-Exempt, Consumer Loans):
    • The overall Commercial Banking industry in Louisiana, which encompasses receiving deposits and issuing consumer, commercial, and industrial loans, had an estimated market size of $10.2 billion in 2026. This market size is for the region of Louisiana.
    • New home loans booked in Louisiana in 2024 totaled $7.2 billion. This market size is for the region of Louisiana.
    • Small business loans in Louisiana amounted to $10 billion. This market size is for the region of Louisiana.
No specific addressable market sizes were found for the company's other services, such as treasury management, private banking, brokerage, investment advisory, financial planning, and retirement plans.

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Red River Bancshares (symbol: RRBI) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

  1. Strategic Market Expansion and Development of New Banking Centers: Red River Bancshares is actively pursuing a strategy to build a statewide presence by expanding its physical footprint and establishing new full-service banking centers in key Louisiana markets, including New Orleans and Lafayette. This expansion aims to serve broader communities and capitalize on opportunities arising from banking industry disruptions in these areas.
  2. Growth in Loan and Deposit Portfolios: The company anticipates continued expansion of its loan portfolio, with a particular focus on commercial real estate and small business lending, alongside strong new originations and construction funding. Simultaneously, growth in its deposit base, including stable non-interest bearing deposits, is crucial for supporting asset expansion and overall financial health.
  3. Net Interest Margin (NIM) Expansion and Improvement: Red River Bancshares has demonstrated a consistent trend of increasing its net interest margin, primarily by effectively repricing assets to achieve higher yields and carefully managing the cost of its deposits. This ongoing improvement in NIM is a significant factor contributing to growth in net interest income.
  4. Enhanced Digital Banking Capabilities: Investments in and upgrades to the company's online and mobile banking platforms, along with improved bill payment services, are aimed at enhancing the customer experience and expanding digital service capabilities. These enhancements are expected to attract new customers and drive revenue by offering more convenient and efficient banking solutions.

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Share Repurchases

  • Red River Bancshares repurchased 211,748 shares of its common stock in 2025, including a privately-negotiated transaction on August 7, 2025, for 100,000 shares valued at $5.3 million.
  • The company had an authorized stock repurchase program of up to $5.0 million for 2025, with approximately $4.3 million remaining as of August 7, 2025, indicating that $0.7 million had been utilized from this program prior to that date.
  • On December 18, 2025, the board approved the renewal and increase of the stock repurchase program, authorizing purchases of up to $10.0 million from January 1, 2026, through December 31, 2026.

Share Issuance

  • In October 2025, a prospectus supplement was filed detailing the resale of up to 928,557 shares of common stock by existing stockholders, which included the sale of 236,000 shares by S3 Dynamics, L.P.
  • The number of outstanding shares for Red River Bancshares generally decreased from 7.22 million in 2021 to 6.61 million at the end of 2025 and 6.57 million as of February 27, 2026, suggesting that share repurchases have outweighed any new issuances by the company.

Outbound Investments

  • Red River Bancshares explicitly pursues a strategy that includes "selective acquisitions" to support its organic growth and targeted expansion efforts in Louisiana markets such as New Orleans, Lafayette, and Lake Charles. However, no specific acquisition details or dollar amounts for outbound investments over the last 3-5 years are available in the provided information.

Capital Expenditures

  • In the first quarter of 2025, the company completed upgrades to its online and mobile banking and bill payment services to enhance digital capabilities and customer experience.
  • Red River Bancshares has been actively engaged in branch and market expansion, which includes opening a limited-purpose de novo office in Lafayette and initiating groundwork for a second full-service Acadiana center. The company's network grew to 28 banking centers and two loan and deposit production offices by December 31, 2025, reflecting continuous investment in physical infrastructure.
  • Future capital expenditures include plans for constructing a new lending headquarters in Shreveport and a new full-service banking center in the Acadiana Market as part of ongoing organic expansion projects.

Peer Outperformance in Regional Banks

RRBI has outperformed 85% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that RRBI has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
92%
of 281 industry peers · 60.7% return
3Y
79%
of 273 industry peers · 121.0% return
5Y
85%
of 262 industry peers · 101.4% return
No Regional Banks peer with a comparable growth profile has beaten RRBI by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is RRBI's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1How Low Can Red River Bancshares Stock Really Go?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

RRBINEWTATLOGBCNARASHFSMedian
NameRed Rive.NewtekOneAmes Nat.Georgia .Narragan.SHF  
Mkt Price104.4710.6034.0033.7710.860.0422.32
Mkt Cap0.70.30.3---0.3
Rev LTM13127773-130-130
Op Inc LTM-------
FCF LTM51-74021-7-14
FCF 3Y Avg40-37317---17
CFO LTM56-73922-11-17
CFO 3Y Avg45-37319---19

Growth & Margins

RRBINEWTATLOGBCNARASHFSMedian
NameRed Rive.NewtekOneAmes Nat.Georgia .Narragan.SHF  
Rev Chg LTM12.8%7.8%21.3%---12.8%
Rev Chg 3Y Avg6.1%26.8%8.1%---8.1%
Rev Chg Q11.0%7.0%18.5%---11.0%
QoQ Delta Rev Chg LTM2.6%1.7%4.3%---2.6%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM43.0%-267.4%30.3%-8.5%-19.4%
CFO/Rev 3Y Avg38.0%-138.6%30.2%---30.2%
FCF/Rev LTM39.1%-267.5%28.9%-5.5%-17.2%
FCF/Rev 3Y Avg34.2%-138.7%27.9%---27.9%

Valuation

RRBINEWTATLOGBCNARASHFSMedian
NameRed Rive.NewtekOneAmes Nat.Georgia .Narragan.SHF  
Mkt Cap0.70.30.3---0.3
P/S5.31.14.2---4.2
P/Op Inc-------
P/EBIT-------
P/E15.04.613.1---13.1
P/CFO12.2-0.413.7---12.2
Total Yield7.4%31.6%10.2%---10.2%
Dividend Yield0.8%10.0%2.6%---2.6%
FCF Yield 3Y Avg9.3%-103.1%8.5%---8.5%
D/E0.01.80.1---0.1
Net D/E-0.30.6-1.6----0.3

Returns

RRBINEWTATLOGBCNARASHFSMedian
NameRed Rive.NewtekOneAmes Nat.Georgia .Narragan.SHF  
1M Rtn1.5%-5.3%5.4%-11.8%0.6%-94.9%-2.4%
3M Rtn3.9%-27.9%9.0%-11.8%0.6%-98.3%-5.6%
6M Rtn14.0%-20.1%20.8%-11.8%0.6%-99.4%-5.6%
12M Rtn60.7%7.5%64.7%-11.8%0.6%-99.9%4.0%
3Y Rtn121.0%-15.6%114.9%-11.8%0.6%-100.0%-5.6%
1M Excs Rtn5.7%-1.7%8.1%-10.3%2.0%-92.3%0.2%
3M Excs Rtn5.5%-19.4%10.5%-10.9%1.4%-97.1%-4.7%
6M Excs Rtn9.2%-24.8%16.0%-16.6%-4.2%-105.8%-10.4%
12M Excs Rtn47.6%-5.9%55.1%-25.3%-13.0%-118.1%-9.4%
3Y Excs Rtn47.3%-90.5%42.6%-95.2%-82.7%-212.1%-86.6%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Providing a fully integrated suite of banking products and services12611014011395
Total12611014011395


Net Income by Segment
$ Mil2025202420232022
Providing a fully integrated suite of banking products and services43343537
Total43343537


Assets by Segment
$ Mil2025202420232022
Providing a fully integrated suite of banking products and services3,3513,1503,1293,083
Total3,3513,1503,1293,083


Price Behavior

Price Behavior
Market Price$104.48 
Market Cap ($ Bil)0.7 
First Trading Date05/03/2019 
Distance from 52W High-3.1% 
   50 Days200 Days
DMA Price$102.00$94.47
DMA Trendupup
Distance from DMA2.4%10.6%
 3M1YR
Volatility19.6%24.6%
Downside Capture-22.025.79
Upside Capture23.5664.82
Correlation (S&P 500)-3.7%13.1%
RRBI Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-0.55-0.090.01-0.110.250.77
Up Beta-1.41-0.530.18-0.410.370.80
Down Beta-0.99-0.91-0.87-0.55-0.110.70
Up Capture-5%34%25%23%47%64%
Bmk +ve Days12182862130427
Stock +ve Days12233265133387
Down Capture-57%5%12%-6%9%88%
Bmk -ve Days10253664121325
Stock -ve Days10203261116358

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RRBI
RRBI61.5%24.6%1.88-
Sector ETF (XLF)11.1%15.2%0.4743.0%
Equity (SPY)9.5%13.6%0.4116.8%
Gold (GLD)3.6%28.7%0.11-11.5%
Commodities (DBC)37.7%21.2%1.40-28.0%
Real Estate (VNQ)12.0%14.2%0.5536.7%
Bitcoin (BTCUSD)-20.8%43.3%-0.42-1.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RRBI
RRBI15.1%28.6%0.50-
Sector ETF (XLF)9.1%18.4%0.3647.3%
Equity (SPY)11.3%17.3%0.4841.6%
Gold (GLD)17.5%19.1%0.741.5%
Commodities (DBC)8.0%19.6%0.292.3%
Real Estate (VNQ)1.2%18.9%-0.0540.9%
Bitcoin (BTCUSD)5.9%51.5%0.2922.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RRBI
RRBI8.2%36.4%0.38-
Sector ETF (XLF)13.3%22.1%0.5449.0%
Equity (SPY)14.9%18.0%0.7043.7%
Gold (GLD)12.0%16.5%0.593.3%
Commodities (DBC)7.6%18.1%0.3310.6%
Real Estate (VNQ)5.7%20.7%0.2344.8%
Bitcoin (BTCUSD)61.3%66.2%1.0119.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.4 Mil
Short Interest: % Change Since 930202619.1%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest6.0 days
Basic Shares Quantity6.6 Mil
Short % of Basic Shares6.0%

Earnings Returns History

Updated 11/4/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/30/20261.2%  
7/30/2026-3.1%-0.7%-0.2%
4/30/2026-2.8%-1.3%-2.6%
1/30/20266.1%16.3%14.4%
10/30/20252.1%-1.1%4.2%
7/30/2025-0.7%-0.5%9.7%
4/30/20252.8%8.5%10.5%
1/30/20252.5%7.5%3.9%
...
SUMMARY STATS   
# Positive151012
# Negative91311
Median Positive1.2%3.3%8.3%
Median Negative-1.7%-1.8%-2.6%
Max Positive6.1%16.3%15.4%
Max Negative-6.6%-5.0%-7.3%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/30/20261.2%  
7/30/2026-3.1%-0.7%-0.2%
4/30/2026-2.8%-1.3%-2.6%
1/30/20266.1%16.3%14.4%
10/30/20252.1%-1.1%4.2%
7/30/2025-0.7%-0.5%9.7%
4/30/20252.8%8.5%10.5%
1/30/20252.5%7.5%3.9%
10/30/20240.5%4.3%15.4%
7/26/20240.0%-5.0%-2.5%
4/25/20243.4%2.1%1.2%
1/30/20240.9%-2.7%-7.0%
10/30/20230.8%4.4%9.0%
7/28/2023-0.0%-1.2%-3.2%
4/28/20230.9%-1.9%13.3%
1/30/2023-1.7%0.9%-0.7%
10/28/2022-0.2%-2.6%-7.3%
7/29/20220.0%-0.7%-4.2%
4/29/2022-1.0%-1.8%-6.3%
1/28/20222.4%2.2%0.2%
10/29/2021-2.4%-2.7%-1.3%
7/29/20211.0%1.9%-1.6%
4/29/20212.2%1.0%2.1%
1/29/2021-6.6%-2.3%7.6%
SUMMARY STATS   
# Positive151012
# Negative91311
Median Positive1.2%3.3%8.3%
Median Negative-1.7%-1.8%-2.6%
Max Positive6.1%16.3%15.4%
Max Negative-6.6%-5.0%-7.3%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/10/202410-Q
12/31/202303/15/202410-K
09/30/202311/09/202310-Q
06/30/202308/09/202310-Q
03/31/202305/10/202310-Q
12/31/202203/16/202310-K
09/30/202211/10/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/10/202410-Q
12/31/202303/15/202410-K
09/30/202311/09/202310-Q
06/30/202308/09/202310-Q
03/31/202305/10/202310-Q
12/31/202203/16/202310-K
09/30/202211/10/202210-Q
06/30/202208/11/202210-Q
03/31/202205/13/202210-Q
12/31/202103/18/202210-K
09/30/202111/12/202110-Q
06/30/202108/13/202110-Q
03/31/202105/14/202110-Q
12/31/202003/19/202110-K
09/30/202011/13/202010-Q
06/30/202008/10/202010-Q
03/31/202005/15/202010-Q
12/31/201903/27/202010-K
09/30/201911/14/201910-Q

Recent Forward Guidance

Updated 11/2/2026

Latest: Q3 2026 Earnings Reported 10/30/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q4 2026 Maturing Fixed Rate LoansReported 93.80 Mil    
Q4 2026 Maturing Time DepositsReported 190.70 Mil    
Q4 2026 Securities Cash FlowsReported 24.00 Mil    
Q4 2026 Net Interest IncomeReported      
Q4 2026 Net Interest Margin FTEReported      
2026 Share Repurchase Program CapacityReported 10.00 Mil    


Prior: Q2 2026 Earnings Reported 7/30/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2026 Net Interest IncomeReported      
2026 Net Interest Margin FTEReported      

Insider Activity

Updated 11/5/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Price, Teddy Ray DirectBuy11052026107.7987894,64040,825,462Form
2Price, Teddy Ray Kisatchie Industries, LLC, for which Mr. Price serves as Manager.Buy11052026107.5615316,4577,114,126Form
3Price, Teddy Ray SpouseBuy11052026107.80141,509663,293Form
4Price, Teddy Ray DirectBuy810202699.8994093,89737,745,634Form
5Price, Teddy Ray Kisatchie Industries, LLC, for which Mr. Price serves as Manager.Buy810202699.8916416,3826,591,541Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Price, Teddy Ray DirectBuy11052026107.7987894,64040,825,462Form
2Price, Teddy Ray Kisatchie Industries, LLC, for which Mr. Price serves as Manager.Buy11052026107.5615316,4577,114,126Form
3Price, Teddy Ray SpouseBuy11052026107.80141,509663,293Form
4Price, Teddy Ray DirectBuy810202699.8994093,89737,745,634Form
5Price, Teddy Ray Kisatchie Industries, LLC, for which Mr. Price serves as Manager.Buy810202699.8916416,3826,591,541Form
6Price, Teddy Ray SpouseBuy8102026101.31151,520621,942Form
7Price, Teddy Ray DirectBuy505202685.651,08092,50232,284,226Form
8Price, Teddy Ray Kisatchie Industries, LLC, for which Mr. Price serves as Manager.Buy505202686.5018916,3485,693,776Form
9Price, Teddy Ray SpouseBuy505202687.02161,392532,910Form
10Price, Teddy Ray DirectBuy225202690.37645,78433,965,745Form
11Price, Teddy Ray DirectBuy204202690.3963056,94633,967,477Form
12Price, Teddy Ray Kisatchie Industries, LLC, for which Mr. Price serves as Manager.Buy204202689.001079,5235,841,515Form
13Price, Teddy Ray SpouseBuy204202685.3210853521,135Form
14Price, Teddy Ray DirectBuy1107202565.7988658,29024,668,618Form
15Price, Teddy Ray Kisatchie Industries, LLC, for which Mr. Price serves as Manager.Buy1107202565.601479,6434,298,637Form
16Price, Teddy Ray SpouseBuy1107202565.7713855401,065Form
Core Cache Last Updated: 11/5/2026