RRBI
Financial ServicesRed River Bancshares, Inc. · Banks - Regional · $600M
What is Red River Bancshares, Inc.?
Red River Bancshares is a Louisiana-based bank holding company serving commercial and retail customers through Red River Bank. It operates a regional network of banking centers across the state, offering a broad range of deposit and lending products.
Red River Bank generates revenue primarily through interest income on loans — including commercial real estate, construction, and consumer lending — and fee-based services such as treasury management, private banking, and investment advisory. Deposit products fund the lending book, while digital and in-branch channels serve both individual and business clients across Louisiana.
The company was incorporated in 1998 and is headquartered in Alexandria, Louisiana.
- Commercial and consumer lending
- Deposit accounts and treasury management
- Investment advisory and retirement planning
- Online and mobile banking services
Is RRBI a Good Stock to Buy?
UQS Score rates RRBI as Good overall, reflecting a balanced but nuanced profile across its five pillars.
The Quality and Risk pillars both register as Good, suggesting the bank maintains a reasonably sound balance sheet and manages operational risk in line with regional peers. The Valuation pillar is rated Attractive, meaning the stock does not appear to carry a premium price relative to its fundamentals.
Both the Moat and Growth pillars come in as Weak — a common challenge for community banks competing in a regional market without significant pricing power or rapid expansion.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does RRBI pay dividends?
Yes — Red River Bancshares, Inc. pays a dividend.
Red River Bancshares pays a regular dividend, consistent with the income-oriented approach common among community bank holding companies. This reflects management's choice to return a portion of earnings to shareholders rather than pursue aggressive reinvestment. Income-focused investors may find the dividend cadence appealing alongside the Attractive valuation rating.
When does RRBI report earnings?
Red River Bancshares reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Good Quality and Risk ratings suggest earnings have been generated with reasonable consistency relative to regional peers. Growth, however, has been a softer area — reflecting the competitive dynamics of community banking in Louisiana.
For the most recent quarter's results, visit Red River Bancshares' investor relations page directly.
RRBI Price History
+77.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Red River Bancshares, Inc.?
Based on Red River Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
RRBI Long-term Outlook
The fundamental outlook for RRBI is measured. A Good Risk profile suggests the bank is not taking outsized credit or operational risks, which supports earnings stability. However, a Weak Growth pillar indicates limited near-term expansion catalysts. The Attractive Valuation rating may provide a margin of safety for patient investors, though the Weak Moat signals that competitive pressures in Louisiana's banking market remain a headwind.
Growth drivers
- Deepening relationships with commercial clients across Louisiana
- Fee income growth through treasury management and advisory services
Key risks
- Limited competitive differentiation in a crowded regional banking market
- Interest rate sensitivity affecting net interest margin
- Slower loan growth relative to larger regional or national banks
RRBI vs Peers
Red River Bancshares competes with other community and regional bank holding companies, each with a distinct geographic focus and business mix.
Arrow Financial operates in upstate New York, giving it a different regional exposure and deposit base compared to RRBI's Louisiana-focused franchise.
Alerus differentiates through a stronger emphasis on retirement and benefit plan services, extending beyond traditional community banking.
Southern California Bancorp targets business banking in a higher-growth coastal market, contrasting with RRBI's more established Louisiana footprint.
Frequently Asked Questions
What does Red River Bancshares do?
Red River Bancshares is the holding company for Red River Bank, a Louisiana-based community bank. It provides deposit accounts, commercial and consumer loans, treasury management, investment advisory, and digital banking services through a network of 27 banking centers across the state.
Does RRBI pay dividends?
Yes, Red River Bancshares pays a regular dividend. This is consistent with the income-return approach typical of profitable community bank holding companies. Investors seeking income alongside an Attractively valued bank may find this relevant to their screening criteria.
When does RRBI report earnings?
Red River Bancshares follows a standard quarterly earnings cadence for US-listed companies. For the exact schedule and most recent results, check the investor relations section of the company's official website.
Is RRBI a good stock to buy?
UQS Score rates RRBI as Good overall. Its Quality and Risk pillars are both Good, and Valuation is Attractive. The weaker Moat and Growth ratings are worth weighing. The full pillar breakdown — available to Pro members — gives a more complete picture for your own research.
Is RRBI overvalued?
The UQS Valuation pillar for RRBI is rated Attractive, suggesting the stock is not trading at a significant premium relative to its fundamentals. This does not constitute a price target or guarantee of returns, but it indicates the market is not pricing in aggressive growth expectations.
How does RRBI compare to its competitors?
Compared to peers like Arrow Financial, Alerus Financial, and Southern California Bancorp, RRBI is a Louisiana-focused community bank with a Good Quality and Risk profile. Competitors differ in geography and business mix. The UQS platform provides side-by-side pillar comparisons for Pro members.
What is RRBI's market cap bracket?
Red River Bancshares is classified as a small-cap company. This places it in a segment of the market that can offer attractive valuations but may carry lower liquidity and less analyst coverage than large- or mega-cap peers.
Who founded Red River Bancshares?
Red River Bancshares was incorporated in 1998 and is headquartered in Alexandria, Louisiana. Detailed founding history and leadership information is publicly available through the company's official investor relations materials.
Is RRBI a long-term quality indicator?
From a quality standpoint, RRBI's Good ratings in Quality and Risk suggest a reasonably stable foundation. The Weak Moat and Growth pillars, however, indicate limited structural advantages for compounding over time. Long-term investors should weigh these factors using the full UQS analysis available to Pro members.
What sector does RRBI belong to?
RRBI operates in the Financial Services sector, specifically as a community bank holding company. Community banks in this sector tend to be evaluated on net interest margin stability, credit quality, and local market positioning rather than high-growth metrics.
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Pro Analysis
RRBI — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 58.8 | 83.5 | 26.0 | 38.0 | 73.2 | 85.6 | -0.2 |
| May 21, 2026 | 59.0 | 83.8 | 26.0 | 38.0 | 73.2 | 86.3 | +1.6 |
| May 7, 2026 | 57.4 | 79.9 | 26.0 | 37.8 | 73.1 | 83.0 | -0.1 |
| May 3, 2026 | 57.5 | 79.9 | 26.0 | 37.8 | 73.1 | 83.4 | +0.2 |
| May 2, 2026 | 57.3 | 79.9 | 26.0 | 37.8 | 73.1 | 82.3 | +0.3 |
| Apr 26, 2026 | 57.0 | 79.9 | 26.0 | 36.8 | 73.1 | 81.2 | +0.2 |
| Apr 19, 2026 | 56.8 | 79.9 | 26.0 | 36.8 | 73.1 | 80.0 | -0.1 |
| Apr 18, 2026 | 56.9 | 79.9 | 26.0 | 36.8 | 73.1 | 81.0 | -0.7 |
| Apr 14, 2026 | 57.6 | 79.9 | 26.0 | 36.8 | 73.1 | 85.3 | 0.0 |
| Apr 12, 2026 | 57.6 | 79.9 | 26.0 | 36.8 | 73.1 | 85.4 | -0.1 |
RRBI — Pillar Breakdown
Quality
— 83.5/100 (25%)Red River Bancshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 38.0/100 (20%)Red River Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 73.2/100 (15%)Red River Bancshares, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 85.5/100 (15%)Red River Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 26/100 (25%)Red River Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RRBI.
Score Composition
Financial Data
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How is the RRBI UQS Score Calculated?
The UQS (Unified Quality Score) for Red River Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Red River Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Red River Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.