RRBI Red River Bancshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ 10-K/10-Q Aug 7, 2026
$103.27
· of 52w range
· above low
· to high
$64.5252w low
$104.8752w high
Market Cap (MRQ)
$680M
P/E
16.2
EPS
$6.38
your badges
52W Range
$65–$105
Analyst Rating
BUY
Price Target
$110
P/E
16.2
ROE
12.2%
Net Profit Margin
34.1%
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RRBI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$103.27
Market Cap (MRQ)
$680M
P/E
16.2
EPS
$6.38
Div Yield
0.53%
ROE
12.2%
52W Range
$65–$105
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$6.382018-12-31 → 2025-12-31
Free Cash Flow$42M2019-12-31 → 2025-12-31
Net margin34.1%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | RRBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 16.25Y avg ≈11.1 | ≈11.1 | 11.4 | Overvalued | |
| P/S | 5.45Y avg ≈3.6 | ≈3.6 | 3.0 | Overvalued | |
| P/B (MRQ) | 1.85Y avg ≈1.3 | ≈1.3 | 1.4 | Overvalued | |
| Price / FCF (TTM) | 13.35Y avg ≈9.9 | ≈9.9 | · | · | |
| Price / Cash Flow (TTM) | 12.15Y avg ≈8.8 | ≈8.8 | 10.5 | Fair value | |
| Price / Tangible Book | 1.95Y avg ≈1.3 | ≈1.3 | · | · | |
| PEG Ratio | ≈1.5 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | RRBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 42.3%5Y avg ≈41.0% | ≈41.0% | 38.6% | Top tier | |
| Net Profit Margin | 34.1%5Y avg ≈33.4% | ≈33.4% | 29.5% | Top tier | |
| ROA | 1.3%5Y avg ≈1.2% | ≈1.2% | 1.2% | Top tier | |
| ROE | 12.2%5Y avg ≈12.1% | ≈12.1% | 10.2% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | RRBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 14.4%5Y avg ≈6.5% | ≈6.5% | · | · | |
| Revenue CAGR 3Y | 6.0%5Y avg ≈5.3% | ≈5.3% | · | · | |
| Revenue CAGR 5Y | 6.4% | · | · | · | |
| EPS YoY | 28.9%5Y avg ≈11.4% | ≈11.4% | · | · | |
| Net Income YoY | 24.9%5Y avg ≈9.3% | ≈9.3% | · | · | |
| EPS CAGR 3Y | 7.5%5Y avg ≈6.3% | ≈6.3% | · | · | |
| EPS CAGR 5Y | 10.8% | · | · | · | |
| Net Income CAGR 3Y | 5.0%5Y avg ≈4.6% | ≈4.6% | · | · | |
| Net Income CAGR 5Y | 8.7% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | RRBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield0.53%
Payout Ratio8.4%
Annualized Payout≈$1.00
Growth Streak≈3
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 8, 2026 | $0.25 | USD | ≈0.87% |
| Jun 8, 2026 | $0.25 | USD | ≈0.88% |
| Mar 9, 2026 | $0.25 | USD | ≈0.77% |
| Dec 8, 2025 | $0.15 | USD | ≈0.76% |
| Sep 8, 2025 | $0.15 | USD | ≈0.73% |
| Jun 6, 2025 | $0.12 | USD | ≈0.75% |
| Mar 10, 2025 | $0.12 | USD | ≈0.74% |
| Dec 9, 2024 | $0.09 | USD | ≈0.62% |
| Sep 9, 2024 | $0.09 | USD | ≈0.70% |
| Jun 10, 2024 | $0.09 | USD | ≈0.76% |
| Mar 8, 2024 | $0.09 | USD | ≈0.66% |
| Dec 1, 2023 | $0.08 | USD | ≈0.61% |
| Sep 8, 2023 | $0.08 | USD | ≈0.66% |
| Jun 9, 2023 | $0.08 | USD | ≈0.56% |
| Mar 10, 2023 | $0.08 | USD | ≈0.60% |
| Dec 2, 2022 | $0.07 | USD | ≈0.53% |
| Sep 9, 2022 | $0.07 | USD | ≈0.55% |
| Jun 10, 2022 | $0.07 | USD | ≈0.53% |
| Mar 11, 2022 | $0.07 | USD | ≈0.57% |
| Dec 3, 2021 | $0.07 | USD | ≈0.53% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
6.3%
Next Report
Oct 28, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 28, 2026 | $1.78 | $1.79 | -0.66% |
| March 31, 2026 | $1.81 | $1.71 | 5.9% | |
| Dec. 31, 2025 | $1.73 | $1.65 | 5.1% | |
| Sept. 30, 2025 | $1.63 | $1.56 | 4.5% | |
| June 30, 2025 | $1.51 | $1.45 | 4.5% | |
| March 31, 2025 | $1.52 | $1.28 | 18.3% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $32M | $8M | $6M | $8M | $10M | $8M | |
| Interest Income | $150M | $137M | $119M | $94M | $77M | $77M | $74M | $67M | |
| Pretax Income | $53M | $42M | $43M | $45M | $40M | $34M | $30M | $28M | |
| Income Tax | $10M | $8M | $8M | $8M | $7M | $6M | $6M | $5M | |
| Net Income | $43M | $34M | $35M | $37M | $33M | $28M | $25M | $23M | |
| EPS (Basic) | $6.40 | $4.96 | $4.87 | $5.14 | $4.53 | $3.84 | $3.51 | $3.43 | |
| EPS (Diluted) | $6.38 | $4.95 | $4.86 | $5.13 | $4.51 | $3.83 | $3.49 | $3.41 | |
| Shares (Basic) | 6,677,053 | 6,898,286 | 7,164,314 | 7,180,975 | 7,281,136 | 7,322,158 | 7,072,689,000 | 6,716,943,000 | |
| Shares (Diluted) | 6,705,177 | 6,918,060 | 7,181,728 | 7,197,453 | 7,299,720 | 7,345,045 | 7,115,514,000 | 6,756,102,000 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $213M | $269M | $305M | $278M | $785M | $447M | $133M | $152M | |
| PP&E (Net) | $59M | $59M | $57M | $54M | $48M | $47M | $42M | $40M | |
| PP&E (Gross) | $91M | $89M | $85M | $80M | $73M | $70M | $63M | $59M | |
| Accum. Depreciation | $32M | $30M | $28M | $26M | $25M | $23M | $21M | $20M | |
| Intangibles | · | · | · | · | · | · | $2M | $2M | |
| Total Assets | $3.35B | $3.15B | $3.13B | $3.08B | $3.22B | $2.64B | $1.99B | $1.86B | |
| Total Liabilities | $2.99B | $2.83B | $2.82B | $2.82B | $2.93B | $2.36B | $1.74B | $1.67B | |
| Common Stock | $28M | $39M | $55M | $60M | $60M | $68M | $68M | $41M | |
| Paid-in Capital | $3M | $3M | $2M | $2M | $2M | $2M | $1M | $1M | |
| Retained Earnings | $378M | $339M | $307M | $275M | $240M | $209M | $183M | $159M | |
| AOCI | $-43M | $-60M | $-60M | $-71M | $-4M | $7M | $-24.0K | $-8M | |
| Stockholders' Equity | $365M | $320M | $304M | $266M | $298M | $285M | $252M | $194M | |
| Liabilities + Equity | $3.35B | $3.15B | $3.13B | $3.08B | $3.22B | $2.64B | $1.99B | $1.86B | |
| Shares Outstanding | 6,576,609 | 6,777,238 | 7,091,637 | 7,183,915 | 7,180,155 | 7,325,333 | 7,306,221 | 6,627,358 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $440.0K | $370.0K | $319.0K | $274.0K | $269.0K | $276.0K | $227.0K | $193.0K | |
| Deferred Tax | $-696.0K | $764.0K | $-330.0K | $313.0K | $-773.0K | $130.0K | $-556.0K | $-452.0K | |
| Operating Cash Flow | $45M | $38M | $40M | $46M | $62M | $13M | $26M | $26M | |
| CapEx | $3M | $5M | $5M | $8M | $3M | $7M | $4M | $5M | |
| Investing Cash Flow | $-244M | $-59M | $-9M | $-439M | $-285M | $-316M | $-135M | $-48M | |
| Stock Repurchased | $11M | $16M | $5M | $218.0K | $8M | $122.0K | $0 | $5M | |
| Net Stock Activity | $-11M | $-16M | $-5M | $-218.0K | $-8M | $-122.0K | $0 | · | |
| Dividends Paid | $4M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | |
| Financing Cash Flow | $144M | $-16M | $-4M | $-114M | $560M | $617M | $90M | $114M | |
| Net Change in Cash | $-56M | $-36M | $27M | $-506M | $338M | $314M | $-19M | $92M | |
| Free Cash Flow | $42M | $33M | $35M | $37M | $59M | $6M | $23M | · | |
| Levered FCF | · | · | $9M | $31M | $54M | $-1M | $14M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.1% | 31.2% | 32.4% | 35.0% | 34.2% | 30.5% | 31.2% | · | |
| Pretax Margin | 42.3% | 38.6% | 39.9% | 42.7% | 41.6% | 37.4% | 38.3% | · | |
| ROA | 1.3% | 1.1% | 1.1% | 1.2% | 1.1% | 1.2% | 1.3% | · | |
| ROE | 12.2% | 10.6% | 11.9% | 14.5% | 11.0% | 10.0% | 10.0% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $55.52 | $47.18 | $42.85 | $36.99 | $41.52 | $39.07 | $34.48 | · | |
| Revenue / Share | $18.72 | $15.86 | $14.98 | $14.64 | $13.18 | $0.01 | $0.01 | · | |
| Cash Flow / Share | $6.68 | $5.53 | $5.59 | $6.37 | $8.53 | $0.00 | $0.00 | · | |
| Cash / Share | $32.45 | $39.69 | $43.07 | $38.75 | $109.31 | $61.21 | $18.24 | · | |
| Dividend Paid / Share | $0.54 | $0.36 | $0.32 | $0.28 | $0.28 | $0.24 | $0.20 | $0.15 | |
| EPS (TTM) | $6.38 | $4.95 | $4.86 | $5.13 | $4.51 | $3.83 | $3.49 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 14.4% | 2.0% | 2.1% | 9.5% | 4.4% | · | · | · | |
| Revenue CAGR 3Y | 6.0% | 4.5% | 5.3% | · | · | · | · | · | |
| Revenue CAGR 5Y | 6.4% | · | · | · | · | · | · | · | |
| EPS YoY | 28.9% | 1.8% | -5.3% | 13.8% | 17.8% | · | · | · | |
| EPS CAGR 3Y | 7.5% | 3.1% | 8.3% | · | · | · | · | · | |
| EPS CAGR 5Y | 10.8% | · | · | · | · | · | · | · | |
| Net Income YoY | 24.9% | -1.8% | -5.5% | 12.0% | 17.1% | · | · | · | |
| Net Income CAGR 3Y | 5.0% | 1.3% | 7.4% | · | · | · | · | · | |
| Net Income CAGR 5Y | 8.7% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 15.3% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $126M | $110M | $108M | $105M | $96M | $92M | $80M | · | |
| Net Income TTM | $43M | $34M | $35M | $37M | $33M | $28M | $25M | · | |
| Market Cap | $470M | $366M | $398M | $367M | $384M | $362M | $410M | · | |
| P/E | 11.2 | 10.9 | 11.5 | 10.0 | 11.9 | 12.9 | 16.1 | · | |
| P/S | 3.7 | 3.3 | 3.7 | 3.5 | 4.0 | 3.9 | 5.1 | · | |
| P/B | 1.3 | 1.1 | 1.3 | 1.4 | 1.3 | 1.3 | 1.6 | · | |
| P / Tangible Book | 1.3 | 1.1 | 1.3 | 1.4 | 1.3 | 1.3 | · | · | |
| P / Cash Flow | 10.5 | 9.6 | 9.9 | 8.0 | 6.2 | 28.3 | 15.5 | · | |
| P / FCF | 11.1 | 11.0 | 11.3 | 9.8 | 6.5 | 62.8 | 18.1 | · | |
| Dividend Yield | 0.76% | 0.68% | 0.58% | 0.55% | 0.53% | 0.49% | 0.32% | · | |
| Earnings Yield | 8.9% | 9.2% | 8.7% | 10.1% | 8.4% | 7.7% | 6.2% | · | |
| Payout Ratio | 8.4% | 7.2% | 6.6% | 5.5% | 6.2% | 6.2% | 5.3% | · | |
| Annual Payout | $4M | $2M | $2M | $2M | $2M | $2M | $1M | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $12M | $12M | $11M | $10M | $7M | $5M | $3M | $2M | |
| Interest Income | $39M | $39M | $39M | $38M | $37M | $36M | $36M | $35M | $34M | $33M | $32M | $30M | $28M | $28M | $27M | $25M | |
| Pretax Income | $15M | $15M | $14M | $13M | $13M | $13M | $12M | $11M | $10M | $10M | $10M | $10M | $11M | $12M | $12M | $12M | |
| Income Tax | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Net Income | $12M | $12M | $11M | $11M | $10M | $10M | $9M | $9M | $8M | $8M | $8M | $8M | $9M | $10M | $10M | $10M | |
| EPS (Basic) | $1.79 | $1.82 | $1.74 | $1.63 | $1.51 | $1.53 | $1.37 | $1.28 | $1.16 | $1.16 | $1.16 | $1.12 | $1.25 | $1.34 | $1.42 | $1.42 | |
| EPS (Diluted) | $1.78 | $1.81 | $1.73 | $1.63 | $1.51 | $1.52 | $1.37 | $1.27 | $1.16 | $1.16 | $1.16 | $1.12 | $1.25 | $1.33 | $1.41 | $1.42 | |
| Shares (Basic) | 6,584,696 | 6,576,994 | · | 6,616,826 | 6,740,312 | 6,777,332 | · | 6,851,223 | 6,896,030 | 7,050,048 | · | 7,168,413 | 7,177,621 | 7,182,782 | · | 7,183,915 | |
| Shares (Diluted) | 6,615,135 | 6,609,208 | · | 6,640,839 | 6,764,886 | 6,796,707 | · | 6,867,474 | 6,914,140 | 7,066,709 | · | 7,180,084 | 7,194,634 | 7,196,354 | · | 7,197,100 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $195M | $211M | $213M | $161M | $210M | $252M | $269M | $233M | $213M | $230M | · | $322M | $222M | $229M | · | $301M | |
| PP&E (Net) | $60M | $61M | $59M | $59M | $59M | $59M | $59M | $58M | $58M | $58M | · | $56M | $56M | $55M | · | $53M | |
| PP&E (Gross) | · | · | $91M | · | · | · | $89M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $32M | · | · | · | $30M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $3.31B | $3.35B | $3.35B | $3.21B | $3.17B | $3.19B | $3.15B | $3.10B | $3.05B | $3.07B | $3.13B | $3.07B | $3.03B | $3.03B | $3.08B | $3.06B | |
| Total Liabilities | $2.93B | $2.97B | $2.99B | $2.86B | $2.83B | $2.85B | $2.83B | $2.78B | $2.74B | $2.77B | · | $2.78B | $2.74B | $2.75B | · | $2.82B | |
| Common Stock | $28M | $28M | $28M | $28M | $33M | $39M | $39M | $41M | $44M | $45M | · | $58M | $59M | $60M | · | $60M | |
| Paid-in Capital | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | · | $2M | $2M | $2M | · | $2M | |
| Retained Earnings | $398M | $388M | $378M | $367M | $357M | $348M | $339M | $330M | $322M | $314M | · | $299M | $292M | $283M | · | $265M | |
| AOCI | $-45M | $-46M | $-43M | $-47M | $-58M | $-56M | $-60M | $-50M | $-62M | $-63M | · | $-77M | $-70M | $-69M | · | $-84M | |
| Stockholders' Equity | $385M | $373M | $365M | $351M | $335M | $333M | $320M | $324M | $307M | $299M | $304M | $282M | $283M | $277M | $266M | $243M | |
| Liabilities + Equity | $3.31B | $3.35B | $3.35B | $3.21B | $3.17B | $3.19B | $3.15B | $3.10B | $3.05B | $3.07B | · | $3.07B | $3.03B | $3.03B | · | $3.06B | |
| Shares Outstanding | 6,584,696 | 6,577,186 | 6,576,609 | 6,576,609 | 6,676,609 | 6,777,657 | 6,777,238 | 6,826,120 | 6,886,928 | 6,892,448 | 7,091,637 | 7,150,685 | 7,175,056 | 7,177,650 | 7,183,915 | 7,183,915 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $144.0K | $112.0K | $112.0K | $113.0K | $121.0K | $94.0K | $95.0K | $92.0K | $105.0K | $78.0K | $80.0K | $79.0K | $91.0K | $69.0K | $74.0K | $74.0K | |
| Deferred Tax | $-131.0K | $-639.0K | $-236.0K | $364.0K | $-341.0K | $-483.0K | $364.0K | $362.0K | $-549.0K | $587.0K | $-251.0K | $380.0K | $-108.0K | $-351.0K | $-64.0K | $670.0K | |
| Operating Cash Flow | $12M | $17M | $11M | $16M | $4M | $14M | $4M | $17M | $2M | $14M | $8M | $14M | $5M | $13M | $11M | $17M | |
| CapEx | $1M | $2M | $1M | $664.0K | $267.0K | $258.0K | $2M | $395.0K | $973.0K | $1M | $1M | $1M | $1M | $1M | $2M | $1M | |
| Investing Cash Flow | $15M | $-672.0K | $-82M | $-88M | $-24M | $-50M | $-23M | $-25M | $11M | $-23M | $-63M | $52M | $-3M | $6M | $-35M | $-18M | |
| Stock Repurchased | · | · | $0 | $5M | $6M | $0 | $3M | $3M | $764.0K | $10M | $3M | $1M | $601.0K | $346.0K | $0 | $0 | |
| Net Stock Activity | · | · | · | · | · | $0 | · | · | · | $-10M | · | · | · | $-346.0K | · | · | |
| Dividends Paid | $2M | $2M | $986.0K | $987.0K | $801.0K | $813.0K | $610.0K | $615.0K | $620.0K | $638.0K | $569.0K | $572.0K | $574.0K | $574.0K | $503.0K | $503.0K | |
| Financing Cash Flow | $-43M | $-19M | $124M | $22M | $-22M | $20M | $55M | $27M | $-31M | $-67M | $39M | $34M | $-8M | $-68M | $2M | $-54M | |
| Net Change in Cash | $-15M | $-3M | $52M | $-49M | $-42M | $-17M | $36M | $20M | $-17M | $-76M | $-17M | $100M | $-7M | $-49M | $-23M | $-55M | |
| Free Cash Flow | · | $15M | · | · | · | $14M | · | · | · | $13M | · | · | · | $12M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $4M | · | · | · | $8M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.9% | 36.4% | · | 33.9% | 33.4% | 34.6% | · | 31.4% | 29.7% | 31.1% | · | 30.5% | 32.6% | 35.2% | · | 36.4% | |
| Pretax Margin | 43.5% | 45.4% | · | 41.9% | 41.6% | 43.0% | · | 38.8% | 36.8% | 38.5% | · | 37.6% | 40.3% | 43.2% | · | 44.0% | |
| ROA | 0.36% | 0.37% | · | 0.34% | 0.33% | 0.33% | · | 0.28% | 0.26% | 0.27% | · | 0.26% | 0.29% | 0.31% | · | 0.34% | |
| ROE | 3.3% | 3.4% | · | 3.2% | 3.2% | 3.3% | · | 2.9% | 2.7% | 2.8% | · | 3.0% | 3.3% | 3.5% | · | 3.8% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $58.40 | $56.76 | · | $53.42 | $50.23 | $49.18 | · | $47.51 | $44.58 | $43.43 | · | $39.43 | $39.49 | $38.54 | · | $33.88 | |
| Revenue / Share | $5.10 | $4.98 | · | $4.81 | $4.51 | $4.40 | · | $4.06 | $3.89 | $3.72 | · | $3.66 | $3.82 | $3.79 | · | $3.88 | |
| Cash Flow / Share | · | $2.56 | · | · | · | $2.05 | · | · | · | $2.04 | · | · | · | $1.85 | · | · | |
| Cash / Share | $29.67 | $32.01 | · | $24.49 | $31.52 | $37.20 | · | $34.08 | $30.94 | $33.34 | · | $45.06 | $30.95 | $31.93 | · | $41.91 | |
| Dividend / Share | $0.25 | $0.25 | · | $0.15 | $0.12 | $0.12 | · | $0.09 | $0.09 | $0.09 | · | · | · | · | · | · | |
| Dividend Paid / Share | · | · | · | · | $0.12 | · | $0.09 | $0.09 | $0.09 | $0.09 | $0.08 | $0.08 | $0.08 | $0.08 | $0.07 | $0.07 | |
| EPS (TTM) | $6.95 | $6.68 | · | $6.03 | $5.67 | $5.32 | · | $4.75 | $4.60 | $4.69 | · | $5.11 | $5.41 | $5.43 | · | $4.88 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $132M | $129M | · | $121M | $117M | $113M | · | $108M | $106M | $107M | · | $109M | $111M | $110M | · | $102M | |
| Net Income TTM | $46M | $44M | · | $41M | $39M | $36M | · | $33M | $32M | $33M | · | $37M | $39M | $39M | · | $35M | |
| Market Cap | $601M | $595M | · | $426M | $392M | $350M | · | $355M | $331M | $343M | · | $329M | $353M | $345M | · | $355M | |
| P/E | 13.1 | 13.5 | · | 10.7 | 10.4 | 9.7 | · | 10.9 | 10.4 | 10.6 | · | 9.0 | 9.1 | 8.9 | · | 10.1 | |
| P/S | 4.6 | 4.6 | · | 3.5 | 3.4 | 3.1 | · | 3.3 | 3.1 | 3.2 | · | 3.0 | 3.2 | 3.2 | · | 3.5 | |
| P/B | 1.6 | 1.6 | · | 1.2 | 1.2 | 1.1 | · | 1.1 | 1.1 | 1.1 | · | 1.2 | 1.2 | 1.2 | · | 1.5 | |
| P / Tangible Book | 1.6 | 1.6 | · | 1.2 | 1.2 | 1.1 | · | 1.1 | 1.1 | 1.1 | · | 1.2 | 1.2 | 1.2 | · | 1.5 | |
| P / Cash Flow | · | 35.1 | · | · | · | 25.2 | · | · | · | 23.8 | · | · | · | 25.9 | · | · | |
| Dividend Yield | 0.88% | 0.74% | · | 0.75% | 0.72% | 0.76% | · | 0.69% | 0.73% | 0.69% | · | 0.68% | 0.61% | 0.60% | · | 0.57% | |
| Earnings Yield | 7.6% | 7.4% | · | 9.3% | 9.7% | 10.3% | · | 9.1% | 9.6% | 9.4% | · | 11.1% | 11.0% | 11.3% | · | 9.9% | |
| Payout Ratio | · | 13.7% | · | · | · | 7.8% | · | · | · | 7.8% | · | · | · | 6.0% | · | · | |
| Annual Payout | $5M | $4M | · | $3M | $3M | $3M | · | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $43M | $34M | $35M | $37M | $33M |
| Diluted EPS | $6.38 | $4.95 | $4.86 | $5.13 | $4.51 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $42M | $33M | $35M | $37M | $59M |
Institutional owners (13F) 135 filers · $279.2M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
135
Value held
$279.2M
New positions
25
Exited positions
11
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 25 (-2 vs prior Q) | 11 (0 vs prior Q) | 60 (+15 vs prior Q) | 31 (+5 vs prior Q) | +382K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $35,052,618 | 384,012 | 12.55% | Shares |
| STATE STREET CORP | $21,404,430 | 234,492 | 7.67% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $18,559,689 | 203,327 | 6.65% | Shares |
| Boston Partners | $17,801,242 | 193,557 | 6.38% | Shares |
| VANGUARD GROUP INC | $17,769,998 | 248,775 | 6.36% | Shares |
| First Eagle Investment Management, LLC | $13,632,577 | 149,349 | 4.88% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $13,191,651 | 144,488 | 4.72% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $13,000,162 | 142,418 | 4.66% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $12,079,356 | 132,333 | 4.33% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $10,885,423 | 119,253 | 3.90% | Shares |
| AMERICAN CENTURY COMPANIES INC | $10,701,119 | 117,234 | 3.83% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $9,811,322 | 107,486 | 3.51% | Shares |
| GOLDMAN SACHS GROUP INC | $7,369,217 | 80,732 | 2.64% | Shares |
| Siena Capital Partners GP, LLC | $4,422,151 | 48,446 | 1.58% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $4,272,634 | 46,808 | 1.53% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $4,136,810 | 45,320 | 1.48% | Shares |
| TWO SIGMA INVESTMENTS, LP | $4,131,150 | 45,258 | 1.48% | Shares |
| MILLENNIUM MANAGEMENT LLC | $3,793,232 | 41,556 | 1.36% | Shares |
| MORGAN STANLEY | $3,728,700 | 40,849 | 1.34% | Shares |
| NORTHERN TRUST CORP | $3,659,689 | 40,093 | 1.31% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,890,564 | 31,667 | 1.04% | Shares |
| Creative Planning | $2,184,057 | 23,927 | 0.78% | Shares |
| UBS Group AG | $2,094,968 | 22,951 | 0.75% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $2,032,988 | 22,272 | 0.73% | Shares |
| Bank of New York Mellon Corp | $2,006,299 | 21,980 | 0.72% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,829,343 | 20,041 | 0.66% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,607,258 | 17,608 | 0.58% | Shares |
| Quantbot Technologies LP | $1,546,009 | 16,937 | 0.55% | Shares |
| JPMORGAN CHASE & CO | $1,351,601 | 14,745 | 0.48% | Shares |
| LPL Financial LLC | $1,348,260 | 14,771 | 0.48% | Shares |
| Nuveen, LLC | $1,090,522 | 11,947 | 0.39% | Shares |
| Integrated Quantitative Investments LLC | $1,024,801 | 11,227 | 0.37% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $1,007,275 | 11,035 | 0.36% | Shares |
| XTX Topco Ltd | $991,301 | 10,860 | 0.36% | Shares |
| SummerHaven Investment Management, LLC | $953,559 | 9,548 | 0.34% | Shares |
| Informed Momentum Co LLC | $876,744 | 9,605 | 0.31% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $858,125 | 9,401 | 0.31% | Shares |
| CITIGROUP INC | $856,024 | 9,378 | 0.31% | Shares |
| Quantinno Capital Management LP | $851,460 | 9,328 | 0.30% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $846,166 | 9,270 | 0.30% | Shares |
| PRUDENTIAL FINANCIAL INC | $839,776 | 9,200 | 0.30% | Shares |
| Duncan Williams Asset Management, LLC | $826,084 | 9,050 | 0.30% | Shares |
| PRINCIPAL FINANCIAL GROUP INC | $814,674 | 8,925 | 0.29% | Shares |
| VOYA INVESTMENT MANAGEMENT LLC | $755,159 | 8,273 | 0.27% | Shares |
| Trexquant Investment LP | $752,147 | 8,240 | 0.27% | Shares |
| SEI INVESTMENTS CO | $700,022 | 7,669 | 0.25% | Shares |
| GLOBEFLEX CAPITAL L P | $635,309 | 6,960 | 0.23% | Shares |
| RHUMBLINE ADVISERS | $606,092 | 6,640 | 0.22% | Shares |
| CITADEL ADVISORS LLC | $577,893 | 6,331 | 0.21% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $569,678 | 6,241 | 0.20% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| S3 Dynamics, L.P., John Charles Simpson | June 30, 2020 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 25 insiders · 13 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Ronald Blake Chatelain | President, Chief Executive Officer, and Director | April 1, 2026 A | 163,096 | 0 | 0 | $0 |
| Isabel V. Carriere | Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary | April 1, 2026 A | 44,559 | 0 | 0 | $0 |
| David K. Thompson | Capital Market President of Red River Bank | April 1, 2024 A | 9,600 | 0 | 0 | $0 |
| Tammi R. Salazar | Senior Executive Vice President and Chief Operating Officer of Red River Bank | April 1, 2026 A | 4,800 | 0 | 0 | $0 |
| Bryon C. Salazar | Senior Executive Vice President, Chief Banking Officer, and Director of Red River Bank | April 1, 2026 A | 4,800 | 0 | 0 | $0 |
| Debbie B. Triche | Senior Vice President and Retail Administrator of Red River Bank | April 1, 2024 A | 21,400 | 0 | 0 | $0 |
| Andrew Blake Cutrer | Senior Vice President | April 1, 2024 A | 6,200 | 0 | 0 | $0 |
| Bridges G. Hall IV | Senior Vice President, Chief Credit Policy Officer of Red River Bank | April 1, 2024 A | 6,350 | 0 | 0 | $0 |
| Julia E Callis | Senior Vice President, General Counsel, and Corporate Secretary | April 1, 2024 A | 13,537 | 0 | 0 | $0 |
| Amanda Wood Barnett | Senior Vice President, General Counsel and Corporate Secretary | Dec. 9, 2022 S | 2,350 | 0 | 0 | $0 |
| Harold W. Turner | Executive Vice President and Chief Corporate Development Officer and Director of Red River Bank | June 3, 2021 S | 1,500 | 0 | 0 | $0 |
| John Jeffrey R. Theiler | SVP and Chief Operations Officer of Red River Bank | July 1, 2020 A | 2,600 | 0 | 0 | $0 |
| Gary A. Merrifield | Senior Vice President and Credit Policy Officer of Red River Bank | July 1, 2019 A | 3,150 | 0 | 0 | $0 |
| Teddy Ray Price | Director | Aug. 10, 2026 P | 6,139 | 13 | 0 | $363,935 |
| Anna Brasher Moreau | Director | Jan. 30, 2026 A | 2,168 | 0 | 0 | $0 |
| Michael Scott Ashbrook | Director | Jan. 30, 2026 A | 49,969 | 0 | 0 | $0 |
| Michael J Brown | Director | Jan. 31, 2025 A | 3,241 | 0 | 0 | $0 |
| Michael D. Crowell | Director | June 13, 2024 P | 17,350 | 0 | 0 | $0 |
| Kirk David Cooper | Director | Aug. 15, 2023 S | 42,340 | 0 | 0 | $0 |
| Robert Allen Nichols | Director | Jan. 31, 2023 A | 15,745 | 0 | 0 | $0 |
| Don Louis Thompson | Director | Jan. 31, 2023 A | 8,974 | 0 | 0 | $0 |
| Barry Dale Hines | Director | Nov. 4, 2021 S | 8,261 | 0 | 0 | $0 |
| Ferdinand William Hackmeyer Jr. | Director | Nov. 16, 2020 S | 163,064 | 0 | 0 | $0 |
| John Charles Simpson | Director | June 12, 2020 J | 402,411 | 0 | 0 | $0 |
| Harrie Lindsey Torbett | Director | May 7, 2019 S | 72,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 27 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| SAWS · ETF Series Solutions | 0.99% | 767 NS | July 31, 2026 | N-PORT |
| DPST · Direxion Shares ETF Trust | 0.15% | 6,324 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.13% | 17,902 SH | Sept. 11, 2026 | Daily |
| VFMF · VANGUARD WELLINGTON FUND | 0.12% | 9,019 SH | Aug. 19, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.06% | 71 NS | July 31, 2026 | N-PORT |
| VFQY · VANGUARD WELLINGTON FUND | 0.04% | 2,115 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 4,510 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 686 SH | Oct. 23, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 135,031 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 2,477 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 21,724 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 3,586 SH | Oct. 23, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 29,884 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 13,121 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 383 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 433 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 1,433 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 571 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 12,742 SH | Sept. 11, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 5,903 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 2,114 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 1,409 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,323 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 53,876 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 144,512 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 373 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 50,561 SH | Sept. 11, 2026 | Daily |
RRBI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$110.00
+6.5%
2 22.2%
Strong Buy
4 44.4%
Buy
3 33.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-23Mean target $110.00 +6.5%
Low$110.00
Mean$110.00
High$110.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| RRBI | $470M | 11.2 | 14.4% | 34.1% | 12.2% | · |
| BCAL | $605M | 9.7 | 41.0% | 35.0% | 11.2% | · |
| PFIS | $487M | 8.3 | 39.7% | 31.5% | 11.7% | · |
| CWBC | $431M | 11.2 | 25.6% | 26.0% | 9.7% | · |
| CCB | $1.73B | 37.4 | -6.8% | 8.7% | 9.9% | · |
| MSBI | · | · | · | · | · | · |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | · |
| CBNK | $461M | 8.3 | 31.7% | 23.3% | 14.6% | · |
| ACNB | $501M | 13.4 | 45.1% | 19.3% | 9.1% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 7, 2026