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RRBI 
Red River Bancshares Inc (RRBI)
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Upturn Advisory Summary
11/07/2025: RRBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $75.75
1 Year Target Price $75.75
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.93% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 436.03M USD | Price to earnings Ratio 11.03 | 1Y Target Price 75.75 |
Price to earnings Ratio 11.03 | 1Y Target Price 75.75 | ||
Volume (30-day avg) 3 | Beta 0.52 | 52 Weeks Range 46.12 - 69.40 | Updated Date 11/9/2025 |
52 Weeks Range 46.12 - 69.40 | Updated Date 11/9/2025 | ||
Dividends yield (FY) 0.73% | Basic EPS (TTM) 6.01 |
Earnings Date
Report Date 2025-10-30 | When Before Market | Estimate 1.54 | Actual 1.63 |
Profitability
Profit Margin 34.19% | Operating Margin (TTM) 43.7% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 12.03% |
Valuation
Trailing PE 11.03 | Forward PE 11.3 | Enterprise Value 288531168 | Price to Sales(TTM) 3.67 |
Enterprise Value 288531168 | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 3.67 | Enterprise Value to EBITDA - | Shares Outstanding 6576609 | Shares Floating 5063741 |
Shares Outstanding 6576609 | Shares Floating 5063741 | ||
Percent Insiders 25.16 | Percent Institutions 27.33 |
Upturn AI SWOT
Red River Bancshares Inc
Company Overview
History and Background
Red River Bancshares, Inc. was founded in 1998. It operates as the holding company for Red River Bank, offering various commercial and retail banking products and services primarily in Louisiana. Over time, it has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Offers deposit accounts, loans (including mortgages and consumer loans), and other banking services to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals.
Leadership and Structure
Blake Chatelain serves as the President and CEO. The organizational structure includes various departments such as lending, operations, finance, and marketing, all overseen by the executive management team and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and real estate loans for businesses. Market share information is difficult to isolate to this specific product. Competitors include other regional and national banks.
- Mortgage Loans: Provides loans for residential real estate purchases. Market share data is localized and varies by region within Louisiana. Competitors include other banks, credit unions, and mortgage companies. Competitors include Regions Financial Corp (RF) and Hancock Whitney Corporation (HWC).
- Deposit Accounts: Offers checking, savings, and money market accounts for individuals and businesses. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing interest rate volatility, increased competition, and regulatory scrutiny. Digital banking and fintech are also reshaping the landscape.
Positioning
Red River Bancshares Inc. is a regional bank focused on serving the Louisiana market. Its competitive advantages include strong local relationships and a focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana is estimated to be in the billions of dollars. Red River Bancshares Inc. is positioned to capture a portion of this market through its focus on local relationships and community involvement.
Upturn SWOT Analysis
Strengths
- Strong local presence in Louisiana
- Experienced management team
- Solid customer relationships
- Conservative credit culture
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on the Louisiana economy
- Lower brand recognition compared to larger banks
Opportunities
- Expansion into new markets within Louisiana
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Louisiana
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- RF
- HWC
- CADE
Competitive Landscape
Red River Bancshares Inc. competes with larger regional and national banks, as well as credit unions and fintech companies. Its advantage lies in its strong local relationships and customer service.
Major Acquisitions
First Bank
- Year: 2019
- Acquisition Price (USD millions): 50
- Strategic Rationale: Expanded market presence in key Louisiana markets.
Growth Trajectory and Initiatives
Historical Growth: Red River Bancshares Inc. has experienced steady growth through organic expansion and strategic acquisitions.
Future Projections: Analyst projections suggest continued growth, driven by expansion into new markets and increased adoption of digital banking technologies.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion of wealth management services, and opening new branches.
Summary
Red River Bancshares appears to be a stable, regional bank with steady growth potential, especially in Wealth management. Its strong local presence provides a competitive advantage, but smaller market share and lack of geographical diversity are areas for improvement. The bank should watch out for increased interest rates as well as competition in the digital landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Red River Bancshares Inc
Exchange NASDAQ | Headquaters Alexandria, LA, United States | ||
IPO Launch date 2019-05-03 | President, CEO & Director Mr. Ronald Blake Chatelain | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 377 | Website https://www.redriverbank.net |
Full time employees 377 | Website https://www.redriverbank.net | ||
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 also 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.
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