Loading…
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 the United States. The company offers various deposit products, including checking, saving, money market accounts, and time deposits. It provides 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 offers 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. Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $124M | - | $43M | $42M | 11.7% | 14.3% | 24.9% |
| 2024 | $109M | - | $34M | $33M | 10.7% | 2.1% | -1.8% |
| 2023 | $107M | - | $35M | $35M | 11.5% | 1.8% | -5.5% |
| 2022 | $105M | - | $37M | $37M | 13.9% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 104.73 | 106.57 | 108.84 | 124.39 |
| Operating Revenue | - | 104.73 | 106.57 | 108.84 | 124.39 |
| Selling General And Administration | - | 35.69 | 38.54 | 40 | 42.94 |
| Interest Income | - | 94.34 | 118.41 | 137.14 | 149.79 |
| Interest Expense | - | 7.74 | 32.13 | 47.94 | 44.33 |
| Net Interest Income | - | 86.60 | 86.28 | 89.20 | 105.46 |
| Pretax Income | - | 44.98 | 42.94 | 42.38 | 53.13 |
| Tax Provision | - | 8.06 | 8.06 | 8.15 | 10.36 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Net Income From Continuing And Discontinued Operation | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Net Income From Continuing Operation Net Minority Interest | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Net Income | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Net Income Common Stockholders | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Net Income Including Noncontrolling Interests | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Normalized Income | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Diluted NI Availto Com Stockholders | - | 36.92 | 34.88 | 34.24 | 42.76 |
| Basic Average Shares | - | 7.18 | 7.16 | 6.90 | 6.68 |
| Diluted Average Shares | - | 7.20 | 7.18 | 6.92 | 6.71 |
| Reconciled Depreciation | - | 2.61 | 2.75 | 3.22 | 3.55 |
| Gain On Sale Of Security | - | -0.53 | -0.01 | -0.03 | 0.09 |
| General And Administrative Expense | - | 34.56 | 37.24 | 38.62 | 41.70 |
| Other Gand A | 6.89 | - | - | - | - |
| Salaries And Wages | - | 34.56 | 37.24 | 38.62 | 41.70 |
| Selling And Marketing Expense | - | 1.13 | 1.30 | 1.37 | 1.24 |
| Occupancy And Equipment | - | 6.11 | 6.58 | 6.69 | 7.14 |
| Professional Expense And Contract Services Expense | - | 2 | 2.38 | 2.66 | 2.40 |
| Other Non Interest Expense | - | 14.20 | 15.39 | 15.91 | 16.48 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Red River Bancshares, Inc.this co. | RRBI | $594M | 13.90↑ premium | 1.63 | 11.7% | - |
| Arrow Financial Corporation | AROW | $610M | 13.88 | 1.41 | 10.2% | - |
| Northpointe Bancshares, Inc. | NPB | $598M | 7.17 | 1.05 | 14.7% | - |
| Northfield Bancorp, Inc. | NFBK | $596M | 748.18 | 0.86 | 0.1% | - |
| Peoples Financial Services Corp. | PFIS |
| - |
| - |
| - |
| - |
| - |
| - |
| $596M |
| 10.06 |
| 1.15 |
| 11.4% |
| - |
| Bar Harbor Bankshares | BHB | $594M | 16.08 | 1.11 | 6.9% | - |
| Midland States Bancorp, Inc. | MSBI | $591M | -4.76 | 1.30 | -27.3% | - |
| AMERISAFE, Inc. | AMSF | $576M | 12.22 | 2.29 | 18.7% | - |
| PRA Group, Inc. | PRAA | $574M | -1.88 | 0.59 | -31.1% | - |
| Peer Median | - | 11.14 | 1.13 | 8.6% | - | |