Stocks · Financial Services · Banks - Regional
Red River Bancshares, Inc. RRBI
$102.97 -0.43% Close, Oct 5, 2026 · NASDAQ · Market cap $680.9M
High qualityStrong trendLow risk
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 14.8× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- Earnings beat analyst estimates in each of the last 11 quarters (average surprise over the last four: +5.1%).
- The stock is in an uptrend: above its 200-day average for 358 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 46%
- EPS growth (TTM, YoY)Top 47%
- FCF growth (TTM, YoY)Top 34%
- Revenue growth, 3-year CAGRTop 50%
- Revenue growth accelerationTop 46%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 11%
- Gross marginTop 28%
- Operating marginTop 24%
- Cash conversion (OCF / net income)Top 45%
- Accruals (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Top 8%
- Interest coverTop 41%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 49%
- Free-cash-flow yieldBottom 47%
- EBITDA / enterprise valueTop 18%
- Sales / enterprise valueTop 40%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 4%
- 6-month returnTop 32%
- 1-year return vs S&P 500Top 3%
- Distance from 52-week highTop 10%
- Trend checklist (0–4)Top 10%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 49%
- Consecutive EPS beatsTop 8%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 4%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 38%
- Maximum drawdown, 3 yearsTop 33%
- Beta vs S&P 500 (lower is better)Top 34%
- Net debt / EBITDA (lower is better)Top 8%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.5% | 7.6% | ↑ |
| EPS growth (YoY) | 25.6% | 22.6% | ↓ |
| Gross margin | 70.4% | 73.5% | ↑ |
| Operating margin | 29.5% | 32.7% | ↑ |
| FCF margin | 22.0% | 29.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.6% | 7.5% | ↑ | Top 46% |
| EPS growth (TTM, YoY) | 22.6% | 25.6% | ↓ | Top 47% |
| Gross margin | 73.5% | 70.4% | ↑ | Top 28% |
| Operating margin | 32.7% | 29.5% | ↑ | Top 24% |
| Net margin | 26.3% | 23.8% | ↑ | — |
| Free-cash-flow margin | 29.2% | 22.0% | ↑ | — |
| Return on invested capital | 11.4% | — | Top 11% | |
| Revenue growth, 3-year CAGR | 14.7% | — | Top 50% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.22×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -4.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.19×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.77%
- Net buyback yield (TTM)
- 0.78%
- Shareholder yield
- 1.55%
- Share count change, 1 year
- -2.3%
- Share count change, 3-year CAGR
- -2.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 11
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +5.1%
- Average 2-day reaction, last 8
- +0.9%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $94.00
- Target vs current price
- -8.7%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +1.1% | -3.1% | -0.7% | -0.7% | — |
| Apr 30, 2026 | +7.1% | -2.8% | -1.3% | -0.9% | +6.9% |
| Jan 30, 2026 | +6.1% | +6.1% | +16.3% | +13.3% | +20.2% |
| Oct 30, 2025 | +5.8% | +2.1% | -1.1% | +6.1% | +15.9% |
| Jul 30, 2025 | +6.3% | -0.7% | -0.5% | +7.9% | +9.7% |
| Apr 30, 2025 | +20.6% | +2.8% | +8.5% | +10.2% | +19.0% |
| Jan 30, 2025 | +11.4% | +2.5% | +7.5% | +1.7% | -7.7% |
| Oct 30, 2024 | +6.7% | +0.5% | +4.3% | +14.5% | +4.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $1.78 | $1.76 | +1.1% | $33.7M |
| Apr 30, 2026 | $1.81 | $1.69 | +7.1% | $32.9M |
| Jan 30, 2026 | $1.73 | $1.63 | +6.1% | $33.2M |
| Oct 30, 2025 | $1.63 | $1.54 | +5.8% | $31.6M |
| Jul 30, 2025 | $1.51 | $1.42 | +6.3% | $30.1M |
| Apr 30, 2025 | $1.52 | $1.26 | +20.6% | $29.8M |
| Jan 30, 2025 | $1.37 | $1.23 | +11.4% | $28.7M |
| Oct 30, 2024 | $1.27 | $1.19 | +6.7% | $27.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.8× | 11.0× | 100th | Top 49% |
| P/E (forward) | 14.1× | — | — | — |
| EV / EBITDA | 8.0× | — | — | Top 18% |
| EV / Sales | 2.79× | — | — | Top 40% |
| Free-cash-flow yield | 7.50% | — | — | Bottom 47% |
| Earnings yield | 6.75% | — | — | Top 49% |
P/E over the past five years
Range 8.3× – 14.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +62.7%
- Earnings per share growth (TTM)
- +22.6%
- Change in P/E multiple
- +32.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 3
- Days above the 200-day average
- 358
- 50-day average slope (20 days)
- +2.2%
- 200-day average slope (20 days)
- +3.5%
- Distance from 50-day average
- +1.4%
- Distance from 200-day average
- +12.6%
- RSI (14)
- 57.8
- Relative volume
- 0.99×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.5%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.50
- Correlation with S&P 500
- 0.32
- Current drawdown from 1-year high
- -0.5%
- Maximum drawdown, 3 years
- -23.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | May 3, 2023 | -29.4% | 539 days | 542 days (Jul 2, 2025) |
| Jan 22, 2021 | Jan 29, 2021 | -12.1% | 5 days | 20 days (Mar 1, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $680.9M
- P/E (TTM)
- 14.8
- EPS, diluted (TTM)
- $6.95
- Revenue (TTM)
- $174.7M
- Dividend yield
- 0.87%
- 52-week range
- $61.60 – $104.87
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $100.8M | $112.5M | $138.7M | $156.8M | $169.8M |
| Gross profit | $93.3M | $103.0M | $105.8M | $107.6M | $123.2M |
| Operating income | $40.1M | $45.0M | $42.9M | $42.4M | $53.1M |
| Net income | $33.0M | $36.9M | $34.9M | $34.2M | $42.8M |
| EPS (diluted) | $4.51 | $5.13 | $4.86 | $4.95 | $6.38 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $40.0M | $40.3M | $41.0M | $41.0M | $42.8M | $44.2M | $43.7M | $44.1M |
| Net income | $8.8M | $9.3M | $10.4M | $10.2M | $10.8M | $11.4M | $12.0M | $11.8M |
| EPS (diluted) | $1.27 | $1.37 | $1.52 | $1.51 | $1.63 | $1.73 | $1.81 | $1.78 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $62.3M | $45.9M | $40.1M | $38.3M | $44.8M |
| Capital expenditure | -$3.4M | -$8.4M | -$4.9M | -$4.9M | -$2.6M |
| Free cash flow | $58.8M | $37.4M | $35.2M | $33.4M | $42.2M |
| Dividends paid | -$2.0M | -$2.0M | -$2.3M | -$2.5M | -$3.6M |
| Net share buybacks | -$7.9M | -$218,000 | -$5.0M | -$16.3M | -$11.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $934.0M
- Total assets
- $3.31B
- Total liabilities
- $2.93B
- Total debt
- $1.4M
- Net debt
- -$194.0M
- Shareholders’ equity
- $384.6M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 8, 2026 | $0.25 | Sep 17, 2026 |
| Jun 8, 2026 | $0.25 | Jun 18, 2026 |
| Mar 9, 2026 | $0.25 | Mar 19, 2026 |
| Dec 8, 2025 | $0.15 | Dec 18, 2025 |
| Sep 8, 2025 | $0.15 | Sep 18, 2025 |
| Jun 6, 2025 | $0.12 | Jun 18, 2025 |
| Mar 10, 2025 | $0.12 | Mar 20, 2025 |
| Dec 9, 2024 | $0.09 | Dec 19, 2024 |
Short interest
- Shares sold short
- 275,388
- Days to cover
- 4.49
- Change vs previous report
- +21.5%
FINRA short interest, settlement date Sep 15, 2026.