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Upturn AI Summary - About
Red River Bancshares Inc(RRBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RRBI
10/28/2026: RRBI (3-star) is currently NOT-A-BUY. Pass it for now.
Red River Bancshares Inc is a community-focused bank holding company providing essential commercial and retail banking services primarily in Louisiana. The company is known for maintaining stable, relationship-based deposits and disciplined lending practices, which have historically supported consistent performance. Its primary growth opportunity lies in deepening market share within its core Louisiana footprint and evolving its digital service offerings. However, the bank faces notable risks, including high competition for deposits, geographic economic concentration, and potential interest rate volatility. The stock may best suit value and dividend-oriented investors who prioritize stable income and sound capital management over high-growth speculative opportunities.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate, steady growth potential rather than the high-alpha growth sought by pure growth investors. |
| Momentum investor | Weak fit | Regional bank stocks typically lack the high-volatility price momentum required for this style. |
| Value investor | Strong fit | The company often trades at valuations reflective of fundamental bank metrics, appealing to value-oriented investors. |
| Dividend investor | Strong fit | Consistent dividend payments provide income stability, which is often attractive to conservative dividend-focused investors. |
| Low-risk investor | Strong fit | While not risk-free, the regulated nature of community banking offers a relatively predictable risk profile compared to growth sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macro interest rate shifts, leading to moderate price fluctuations. |
| Valuation risk | Low | Valuations are generally tethered to book value and earnings, limiting speculative downside. |
| Competition risk (banking) | High | Intense competition for deposits and loans from larger players can compress margins. |
| Business quality | Medium / high | The company has a solid reputation and stable operating history, indicative of good franchise quality. |
| Dividend income | Low | The dividend is generally well-supported by earnings, presenting low risk to income continuity. |
| Execution risk | Medium | Success depends on management's ability to navigate local economic cycles and credit risk effectively. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 51.2% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 674.48M USD | Price to earnings Ratio 14.89 | 1Y Target Price 110 |
Price to earnings Ratio 14.89 | 1Y Target Price 110 | ||
Volume (30-day avg) 62.3K shares | Beta 0.42 | 52 Weeks Range 63.87 - 104.87 | Updated Date 10/28/2026 |
52 Weeks Range 63.87 - 104.87 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 0.77% | Basic EPS (TTM) 6.88 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the primary way the bank makes money; it thrives when the difference between interest charged and interest paid is high. |
| Non-Interest Income | Service fees, wealth management fees, and mortgage banking income. | These represent recurring fee-based revenue streams that help diversify income beyond lending. |
Earnings Date
Report Date 2026-10-29 | When Before Market | Estimate 1.83 | Actual - |
Profitability
Profit Margin 35.66% | Operating Margin (TTM) 45.99% |
Management Effectiveness
Return on Assets (TTM) 1.42% | Return on Equity (TTM) 12.77% |
Valuation
Trailing PE 14.89 | Forward PE 11.3 | Enterprise Value 480.46M | Price to Sales(TTM) 5.23 |
Enterprise Value 480.46M | Price to Sales(TTM) 5.23 | ||
Enterprise Value to Revenue 5.22 | Enterprise Value to EBITDA - | Shares Outstanding 6.58M | Shares Floating 5.21M |
Shares Outstanding 6.58M | Shares Floating 5.21M | ||
Percent Insiders 21.36 | Percent Institutions 46.28 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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