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Red River Bancshares Inc (RRBI)



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Upturn Advisory Summary
06/30/2025: RRBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $67.08
1 Year Target Price $67.08
2 | Strong Buy |
1 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.17% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 390.97M USD | Price to earnings Ratio 11.02 | 1Y Target Price 67.08 |
Price to earnings Ratio 11.02 | 1Y Target Price 67.08 | ||
Volume (30-day avg) 3 | Beta 0.5 | 52 Weeks Range 45.53 - 61.77 | Updated Date 06/30/2025 |
52 Weeks Range 45.53 - 61.77 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 0.82% | Basic EPS (TTM) 5.31 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.42% | Operating Margin (TTM) 45.02% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 11.51% |
Valuation
Trailing PE 11.02 | Forward PE 11.3 | Enterprise Value 147702880 | Price to Sales(TTM) 3.48 |
Enterprise Value 147702880 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 3.52 | Enterprise Value to EBITDA - | Shares Outstanding 6683280 | Shares Floating 4777374 |
Shares Outstanding 6683280 | Shares Floating 4777374 | ||
Percent Insiders 29.14 | Percent Institutions 25.58 |
Analyst Ratings
Rating 2 | Target Price 67.08 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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, providing commercial and retail banking services primarily in Louisiana.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses.
- Retail Banking: Provides checking and savings accounts, personal loans, and mortgages to individuals.
- Wealth Management: Offers investment advisory and trust services.
Leadership and Structure
Blake Chatelain is the President and CEO. The organizational structure includes various departments such as lending, operations, and finance, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans for business expansion, equipment, and working capital. Market share data not readily available. Competitors include other regional and national banks.
- Mortgages: Offers residential mortgage loans. Market share data not readily available. Competitors include other regional and national banks and mortgage companies.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share data not readily available. Competitors include other regional and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Red River Bancshares focuses on community banking in Louisiana, emphasizing customer service and local relationships. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
TAM is the entire banking market in Louisiana. RRGB is positioned to compete for a share of this market through its community banking approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence in Louisiana
- Emphasis on customer service and relationship banking
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on traditional banking services
- Vulnerable to economic downturns in Louisiana
Opportunities
- Expansion into new markets within Louisiana and neighboring states
- Adoption of new technologies to improve efficiency and customer experience
- Growth in wealth management services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Regulatory changes and compliance costs
- Economic downturns in Louisiana
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- First Horizon (FHN)
- Regions Financial (RF)
Competitive Landscape
Red River Bancshares has the benefit of providing service in a smaller community. Its main disadvantage is the presence of larger regional banks.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific financial data to analyze revenue and profit growth over time.
Future Projections: Future growth projections require access to analyst estimates and company guidance.
Recent Initiatives: Recent initiatives include focusing on commercial and retail customer growth as well as enhancing digital banking capabilities
Summary
Red River Bancshares is a community-focused bank with a strong presence in Louisiana. Its emphasis on customer service and local relationships provides a competitive edge. However, its limited geographic diversification and smaller size compared to national banks pose challenges. Strategic initiatives to adopt new technologies and expand into new markets could drive future growth. RRBI faces threats from larger banks and the economic climate.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-Party Financial Data Providers (if accessible)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimates based on available information and may not be precise. Financial metrics require accessing company financial reports to be accurately specified.
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 375 | Website https://www.redriverbank.net |
Full time employees 375 | 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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