NASDAQ : RRBI
Red River Bancshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 102.1 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 672.24M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 128.68M | 120.05M | 108.97M | 93.44M | 75.83M | 67.92M |
| Interest Income on Investments | 29.79M | 29.84M | 28.26M | 25.13M | 18.55M | 9.42M |
| Total Interest Income | 158.46M | 149.89M | 137.23M | 118.57M | 94.38M | 77.34M |
| Interest Paid on Deposits | 42.97M | 44.33M | 47.94M | 32.07M | 7.74M | 5.62M |
| Interest Paid on Borrowings | 64.00K | |||||
| Total Interest Expense | 42.97M | 44.33M | 47.94M | 32.13M | 7.74M | 5.62M |
| Net Interest Income | 115.50M | 105.56M | 89.29M | 86.44M | 86.64M | 71.72M |
| Mortgage Banking Activities | 2.88M | 2.40M | 2.49M | 1.97M | 3.10M | 8.68M |
| Gain (Loss) on Sale of Investments | -154.00K | 94.00K | -28.00K | -14.00K | -527.00K | 19.00K |
| Other Non-Interest Income | 10.77M | 11.88M | 12.16M | 13.39M | 10.61M | 11.02M |
| Total Non-Interest Income | 19.14M | 19.96M | 20.30M | 21.11M | 18.75M | 24.49M |
| Revenues Before Loan Losses | 134.64M | 125.52M | 109.59M | 107.55M | 105.39M | 96.22M |
| Provision for Loan Losses | 2.75M | 2.30M | 1.20M | 735.00K | 1.75M | 1.90M |
| Revenue | 131.89M | 123.22M | 108.39M | 106.82M | 103.64M | 94.31M |
| Salaries and Employee Benefits | 42.60M | 41.20M | 38.19M | 36.88M | 34.20M | 32.13M |
| Occupancy Expenses | 7.29M | 6.92M | 6.47M | 6.51M | 5.48M | 4.89M |
| Federal Deposit Insurance | 1.71M | 1.65M | 1.65M | 1.65M | 1.06M | 933.00K |
| Selling, General & Administrative | 12.90M | 12.31M | 12.16M | 11.18M | 10.62M | 9.43M |
| Other Non-Interest Expense | 7.98M | 8.01M | 7.57M | 7.66M | 7.30M | 6.87M |
| Total Non-Interest Expense | 72.48M | 70.09M | 66.04M | 63.87M | 58.66M | 54.26M |
| EBT Excluding Unusual Items | 59.41M | 53.13M | 42.35M | 42.94M | 44.98M | 40.06M |
| Other Unusual Items | 34.00K | |||||
| Pretax Income | 59.41M | 53.13M | 42.38M | 42.94M | 44.98M | 40.06M |
| Income Tax Expense | 11.70M | 10.36M | 8.15M | 8.06M | 8.06M | 7.11M |
| Net Income | 47.71M | 42.76M | 34.23M | 34.88M | 36.92M | 32.95M |
| Net Income to Common | 47.71M | 42.76M | 34.23M | 34.88M | 36.92M | 32.95M |
| Basic Shares Outstanding | 6.58M | 6.68M | 6.90M | 7.16M | 7.18M | 7.28M |
| Diluted Shares Outstanding | 6.61M | 6.71M | 6.92M | 7.18M | 7.20M | 7.30M |
| EPS (Basic) | 7.25 | 6.40 | 4.96 | 4.87 | 5.14 | 4.53 |
| EPS (Diluted) | 7.22 | 6.38 | 4.95 | 4.86 | 5.13 | 4.51 |
| Dividend Per Share | 0.90 | 0.54 | 0.36 | 0.32 | 0.28 | 0.28 |
| Effective Tax Rate | 19.69% | 19.50% | 19.22% | 18.78% | 17.93% | 17.74% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 29.04M | 213.39M | 268.98M | 305.43M | 278.39M | 784.86M |
| Investment Securities | 782.92M | 243.66M | 249.25M | 318.26M | 387.80M | 290.95M |
| Mortgage-Backed Securities | 115.92M | 531.71M | 437.96M | 398.27M | 391.75M | 379.53M |
| Total Investments | 898.84M | 775.37M | 687.21M | 716.53M | 779.55M | 670.47M |
| Gross Loans | 2.32B | 2.25B | 2.08B | 1.99B | 1.92B | 1.68B |
| Allowance for Loan Losses | -25.12M | -23.40M | -21.73M | -21.34M | -20.63M | -19.18M |
| Other Adjustments to Gross Loans | -626.00K | |||||
| Net Loans | 2.30B | 2.23B | 2.05B | 1.97B | 1.90B | 1.66B |
| Property, Plant & Equipment | 62.79M | 60.76M | 62.17M | 60.72M | 58.52M | 51.80M |
| Goodwill | 1.55M | 1.55M | 1.55M | 1.55M | 1.55M | 1.55M |
| Loans Held for Sale | 1.70M | 3.15M | 2.55M | 1.31M | 518.00K | 4.29M |
| Accrued Interest Receivable | 10.68M | 11.13M | 10.05M | 9.95M | 8.83M | 6.25M |
| Other Real Estate Owned & Foreclosed | 36.00K | 38.00K | 69.00K | 660.00K | ||
| Other Long-Term Assets | 64.59M | 60.26M | 63.77M | 61.75M | 59.69M | 40.18M |
| Total Assets | 3.37B | 3.35B | 3.15B | 3.13B | 3.08B | 3.22B |
| Accrued Expenses | 16.74M | 9.33M | 9.56M | 7.46M | 9.18M | 6.36M |
| Interest Bearing Deposits | 1.84B | 1.85B | 1.75B | 1.71B | 1.62B | 1.67B |
| Institutional Deposits | 210.34M | 203.07M | 187.01M | 171.13M | 91.43M | 89.58M |
| Non-Interest Bearing Deposits | 915.63M | 913.87M | 866.50M | 916.46M | 1.09B | 1.15B |
| Total Deposits | 2.96B | 2.96B | 2.81B | 2.80B | 2.80B | 2.91B |
| Current Portion of Leases | 321.00K | |||||
| Accrued Interest Payable | 6.07M | 6.13M | 7.58M | 8.00M | 1.56M | 1.31M |
| Long-Term Leases | 1.03M | 1.22M | 2.86M | 3.77M | 4.26M | 3.84M |
| Pension & Post-Retirement Benefits | 4.70M | 4.10M | 3.40M | 3.00M | 2.70M | |
| Other Long-Term Liabilities | 642.00K | 642.00K | 442.00K | |||
| Total Liabilities | 2.99B | 2.99B | 2.83B | 2.82B | 2.82B | 2.93B |
| Common Stock | 27.59M | 27.54M | 38.66M | 55.14M | 60.05M | 60.23M |
| Additional Paid-In Capital | 3.60M | 3.22M | 2.78M | 2.41M | 2.09M | 1.81M |
| Retained Earnings | 409.09M | 377.73M | 338.55M | 306.80M | 274.78M | 239.88M |
| Comprehensive Income & Other | -58.10M | -43.34M | -60.25M | -60.49M | -71.17M | -3.77M |
| Shareholders' Equity | 382.18M | 365.15M | 319.74M | 303.85M | 265.75M | 298.15M |
| Total Liabilities & Equity | 3.37B | 3.35B | 3.15B | 3.13B | 3.08B | 3.22B |
| Total Debt | 1.03M | 1.54M | 2.86M | 3.77M | 4.26M | 3.84M |
| Net Cash (Debt) | 204.02M | 211.85M | 266.11M | 301.66M | 274.13M | 781.02M |
| Net Cash Per Share | 30.86 | 31.59 | 38.47 | 42.00 | 38.09 | 106.99 |
| Filing Date Shares Outstanding | 6.58M | 6.58M | 6.78M | 7.09M | 7.18M | 7.18M |
| Total Common Shares Outstanding | 6.58M | 6.58M | 6.78M | 7.09M | 7.18M | 7.18M |
| Book Value Per Share | 58.05 | 55.52 | 47.18 | 42.85 | 36.99 | 41.52 |
| Tangible Book Value | 380.63M | 363.60M | 318.19M | 302.31M | 264.21M | 296.60M |
| Tangible Book Value Per Share | 57.81 | 55.29 | 46.95 | 42.63 | 36.78 | 41.31 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 42.76M | 34.23M | 34.88M | 36.92M | 32.95M | |
| Depreciation & Amortization | 3.55M | 3.22M | 2.75M | 2.61M | 2.55M | |
| Gain (Loss) on Sale of Assets | 43.00K | -10.00K | 60.00K | 60.00K | -184.00K | |
| Gain (Loss) on Sale of Investments | -327.00K | -108.00K | 122.00K | 913.00K | 2.46M | |
| Provision for Credit Losses | 2.30M | 1.20M | 735.00K | 1.75M | 1.90M | |
| Accrued Interest Receivable | -1.08M | -103.00K | -1.11M | -2.58M | 635.00K | |
| Change in Income Taxes | 49.00K | 358.00K | -527.00K | 374.00K | -70.00K | |
| Change in Other Net Operating Assets | -1.49M | -2.09M | -1.54M | 3.06M | 24.18M | |
| Other Operating Activities | -59.00K | 1.57M | -2.04M | 2.16M | -2.01M | |
| Operating Cash Flow | 44.79M | 38.28M | 40.11M | 45.87M | 62.26M | |
| Capital Expenditures | -2.58M | -4.88M | -4.92M | -8.44M | -3.43M | |
| Sale of Property, Plant and Equipment | 12.00K | 11.00K | 15.00K | 483.00K | ||
| Investment in Securities | -67.12M | 28.44M | 73.19M | -198.16M | -180.97M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -174.81M | -82.80M | -77.04M | -232.73M | -96.33M | |
| Other Investing Activities | 470.00K | 69.00K | 15.00K | 641.00K | -4.44M | |
| Investing Cash Flow | -244.04M | -59.16M | -8.74M | -438.70M | -284.68M | |
| Short-Term Debt Issued | 60.00M | |||||
| Total Debt Issued | 60.00M | |||||
| Short-Term Debt Repaid | -60.00M | |||||
| Total Debt Repaid | -60.00M | |||||
| Repurchase of Common Stock | -11.06M | -16.31M | -5.00M | -218.00K | -7.88M | |
| Common Dividends Paid | -3.59M | -2.48M | -2.29M | -2.01M | -2.03M | |
| Net Increase (Decrease) in Deposit Accounts | 158.31M | 3.22M | 2.95M | -111.41M | 569.99M | |
| Financing Cash Flow | 143.66M | -15.57M | -4.34M | -113.64M | 560.08M | |
| Net Cash Flow | -55.58M | -36.45M | 27.03M | -506.47M | 337.66M | |
| Free Cash Flow | 42.21M | 33.41M | 35.20M | 37.42M | 58.84M | |
| Free Cash Flow Margin | 34.26% | 30.82% | 32.95% | 36.11% | 62.38% | |
| Free Cash Flow Per Share | 6.29 | 4.83 | 4.90 | 5.20 | 8.06 | |
| Cash Interest Paid | 45.78M | 48.35M | 25.69M | 7.48M | 6.08M | |
| Cash Income Tax Paid | 11.01M | 6.94M | 9.00M | 7.35M | 7.99M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 694.49M | 469.77M | 365.84M | 400.16M | 366.81M | 389.29M |
| Last Close Price | 103.31 | 70.86 | 53.08 | 54.78 | 49.53 | 51.62 |
| PE Ratio | 14.60 | 10.98 | 10.69 | 11.47 | 9.94 | 11.81 |
| PS Ratio | 5.16 | 3.81 | 3.38 | 3.75 | 3.54 | 4.13 |
| PB Ratio | 1.78 | 1.29 | 1.14 | 1.32 | 1.38 | 1.31 |
| P/FCF Ratio | 13.32 | 11.13 | 10.95 | 11.37 | 9.80 | 6.62 |
| P/OCF Ratio | 12.09 | 10.49 | 9.56 | 9.98 | 8.00 | 6.25 |
| Debt / Equity Ratio | 0.00 | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 |
| Debt / FCF Ratio | 0.04 | 0.09 | 0.11 | 0.11 | 0.07 | |
| Net Debt / Equity Ratio | -0.53 | -0.58 | -0.83 | -0.99 | -1.03 | -2.62 |
| Net Debt / FCF Ratio | -5.02 | -7.97 | -8.57 | -7.33 | -13.27 | |
| Return on Equity (ROE) | 13.01% | 12.49% | 10.98% | 12.25% | 13.09% | 11.29% |
| Return on Assets (ROA) | 1.45% | 1.32% | 1.09% | 1.12% | 1.17% | 1.12% |
| Earnings Yield | 6.85% | 9.10% | 9.36% | 8.72% | 10.06% | 8.46% |
| FCF Yield | 7.51% | 8.99% | 9.13% | 8.79% | 10.20% | 15.11% |
| Dividend Yield | 0.97% | 0.76% | 0.67% | 0.57% | 0.55% | 0.52% |
| Payout Ratio | 12.46% | 8.39% | 7.25% | 6.56% | 5.45% | 6.17% |
| Buyback Yield / Dilution | 2.18% | 3.08% | 3.67% | 0.22% | 1.40% | 0.62% |
| Total Shareholder Return | 3.15% | 3.83% | 4.34% | 0.78% | 1.95% | 1.13% |