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Upturn AI SWOT - About
RRBI 
Red River Bancshares Inc (RRBI)
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Upturn Advisory Summary
08/14/2025: 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 $71.42
1 Year Target Price $71.42
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.33% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 427.04M USD | Price to earnings Ratio 11.28 | 1Y Target Price 71.42 |
Price to earnings Ratio 11.28 | 1Y Target Price 71.42 | ||
Volume (30-day avg) 3 | Beta 0.55 | 52 Weeks Range 46.23 - 65.00 | Updated Date 08/15/2025 |
52 Weeks Range 46.23 - 65.00 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.65% | Basic EPS (TTM) 5.67 |
Earnings Date
Report Date 2025-07-30 | When Before Market | Estimate 1.42 | Actual 1.51 |
Profitability
Profit Margin 33.39% | Operating Margin (TTM) 43.57% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 12.02% |
Valuation
Trailing PE 11.28 | Forward PE 11.3 | Enterprise Value 219206912 | Price to Sales(TTM) 3.69 |
Enterprise Value 219206912 | Price to Sales(TTM) 3.69 | ||
Enterprise Value to Revenue 3.71 | Enterprise Value to EBITDA - | Shares Outstanding 6676610 | Shares Floating 4785326 |
Shares Outstanding 6676610 | Shares Floating 4785326 | ||
Percent Insiders 32.83 | Percent Institutions 27.08 |
Upturn AI SWOT
Red River Bancshares Inc
Company Overview
History and Background
Red River Bancshares, Inc. was founded in 1998 in Alexandria, Louisiana. It has grown through organic expansion and strategic acquisitions, focusing on community banking in Louisiana.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit accounts, and cash management services to businesses of all sizes.
- Retail Banking: Provides personal checking and savings accounts, mortgage lending, consumer loans, and other retail banking services.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other senior executives. The organizational structure includes regional presidents and department heads overseeing various banking functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is difficult to obtain precisely. Competitors include other regional and national banks such as Hancock Whitney (HWC) and First National Bank Holding Company (FNHC).
- Mortgage Loans: Residential mortgage loans offered to individuals and families. Market share data is difficult to obtain precisely. Competitors include national lenders like Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for both individuals and businesses. Competitors include other regional and national banks. Precise market share data for deposit accounts at this granular level is unavailable.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with both national and regional players. It is subject to regulatory changes and economic cycles. Interest rates, loan demand, and economic growth influence performance.
Positioning
Red River Bancshares is positioned as a community bank focused on providing personalized service and building relationships with customers. It operates primarily in Louisiana, giving it a strong local presence.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana is significant, estimated in the billions of dollars. Red River Bancshares is well-positioned to capture a portion of this market through its local presence and customer focus.
Upturn SWOT Analysis
Strengths
- Strong local presence in Louisiana
- Experienced management team
- Focus on customer relationships
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Dependence on the Louisiana economy
- Lower technological capabilities compared to larger players
Opportunities
- Expansion into new markets within Louisiana and surrounding states
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in Louisiana
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- HWC
- FNHC
- BOKF
Competitive Landscape
Red River Bancshares competes with both regional and national banks. Its advantages include a strong local presence and customer relationships. Disadvantages include smaller size and limited geographic diversification. The provided market shares are estimates reflecting RRBI relatively small presence compared to larger regional players in its operating area. Precise consolidated market share numbers are difficult to obtain.
Major Acquisitions
State Investors Bancorp, Inc.
- Year: 2023
- Acquisition Price (USD millions): 126.4
- Strategic Rationale: Expanded Red River Bancshares' footprint in the Lafayette, Louisiana market and added approximately $586 million in assets.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific financial data over past years. Unavailable here.
Future Projections: Future growth projections are based on analyst estimates, requiring access to those reports. Unavailable here.
Recent Initiatives: Recent strategic initiatives include expansion of digital banking services and potential acquisitions.
Summary
Red River Bancshares is a community bank with a strong presence in Louisiana. Its focus on customer relationships and local market knowledge is a strength. However, it faces competition from larger national banks and economic uncertainties. Strategic acquisitions and digital innovation will be important for its future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Market share data are estimates. Financial data is not real-time. The AI rating is subjective.
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 374 | Website https://www.redriverbank.net |
Full time employees 374 | 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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