Red River Financials

RRBI Stock  USD 50.94  1.13  2.17%   
Based on the analysis of Red River's profitability, liquidity, and operating efficiency, Red River Bancshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. As of now, Red River's Other Assets are increasing as compared to previous years. The Red River's current Retained Earnings Total Equity is estimated to increase to about 331.8 M, while Total Assets are projected to decrease to under 2.7 B. Key indicators impacting Red River's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.240.3145
Way Down
Slightly volatile
Return On Assets0.00860.0114
Way Down
Slightly volatile
Return On Equity0.02610.0274
Notably Down
Slightly volatile
Debt Equity Ratio0.00220.0023
Notably Down
Slightly volatile
Current Ratio24.0425.31
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Red River includes many different criteria found on its balance sheet. An individual investor should monitor Red River's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Red River.

Net Income

28.39 Million

  

Red River Stock Summary

Red River competes with Home Federal, Magyar Bancorp, Community West, Rhinebeck Bancorp, and ChoiceOne Financial. 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 Louisiana. The company was incorporated in 1998 and is headquartered in Alexandria, Louisiana. Red River operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 348 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS75686R2022
CUSIP75686R202
LocationLouisiana; U.S.A
Business Address1412 Centre Court
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.redriverbank.net
Phone318 561 4000
CurrencyUSD - US Dollar

Red River Key Financial Ratios

Red River Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.6B3.2B3.1B3.1B3.0B2.7B
Other Current Liab(3.0M)(1.3M)(1.6M)(8M)(7.6M)(7.2M)
Other Liab845K2.3M2.7M3M3.5M3.6M
Net Tangible Assets250.4M283.9M296.6M264.2M303.8M254.1M
Retained Earnings209.0M239.9M274.8M306.8M338.6M241.1M
Accounts Payable1.8M1.3M1.6M8M7.6M7.2M
Cash447.2M784.9M278.4M305.4M211.0M304.6M
Other Assets1.1B1.1B2.1B10.0M2.8B2.9B
Inventory(455.0M)(791.8M)(287.2M)43.1M38.8M40.7M
Other Current Assets455.0M791.8M287.2M315.4M362.8M276.6M
Total Liab2.4B2.9B2.8B2.8B2.8B2.5B
Total Current Assets952.3M1.5B901.6M305.4M213.2M202.6M
Short Term Debt529K3.8M4.3M631K725.7K689.4K
Common Stock68.1M60.2M60.1M55.1M38.7M57.5M
Net Debt(443.0M)(781.0M)(274.1M)(301.7M)(211.0M)(221.5M)
Net Receivables6.9M6.2M8.8M9.9M10.0M7.9M
Capital Stock68.1M60.2M60.1M55.1M38.7M44.7M

Red River Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision6.3M7.1M8.1M8.4M8.1M7.5M
Net Interest Income69.0M71.7M86.6M88.7M89.2M73.9M
Interest Income77.4M77.3M94.3M113.4M137.1M88.3M
Interest Expense8.4M5.6M7.7M24.7M47.9M50.3M
Income Before Tax34.5M40.1M45.0M34.9M42.4M34.9M
Net Income28.1M33.0M36.9M34.9M34.2M28.4M
Income Tax Expense6.3M7.1M8.1M8.1M8.1M7.4M
Total Revenue91.1M95.2M104.7M108.5M108.8M95.7M
Gross Profit82.7M86.8M94.7M139.7M108.8M95.2M
Operating Income34.5M40.1M52.2M34.9M(93.5M)(88.9M)
Ebit34.5M40.1M45.0M34.9M40.1M34.4M
Ebitda36.9M42.6M47.6M34.9M40.1M41.5M

Red River Key Cash Accounts

202020212022202320242025 (projected)
Change To Inventory(2.2M)(24.0M)24.8M227K261.1K274.1K
Investments(316.3M)(273.1M)(427.4M)19.5M(59.2M)(62.1M)
Change In Cash313.9M337.7M(506.5M)27.0M24.3M21.4M
Free Cash Flow5.8M58.8M37.4M35.2M40.1M31.1M
Depreciation2.4M2.6M2.6M2.7M2.2M2.6M
Other Non Cash Items8.4M2.9M4.6M(798K)2.0M2.8M
Dividends Paid1.8M2.0M2.0M(2.3M)(2.5M)(2.4M)
Capital Expenditures7.0M3.4M8.4M4.9M4.9M5.1M
Net Income28.1M33.0M36.9M34.9M40.1M29.9M
End Period Cash Flow447.2M784.9M278.4M305.4M351.2M316.2M
Change To Netincome1.9M8.9M26.0M6.2M7.1M8.4M

Red Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Red River's current stock value. Our valuation model uses many indicators to compare Red River value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Red River competition to find correlations between indicators driving Red River's intrinsic value. More Info.
Red River Bancshares is rated second in return on equity category among its peers. It is currently regarded as top stock in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Red River Bancshares is roughly  10.07 . As of now, Red River's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Red River's earnings, one of the primary drivers of an investment's value.

Red River Bancshares Systematic Risk

Red River's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Red River volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Red River Bancshares correlated with the market. If Beta is less than 0 Red River generally moves in the opposite direction as compared to the market. If Red River Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Red River Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Red River is generally in the same direction as the market. If Beta > 1 Red River moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Red River Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Red River's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Red River growth as a starting point in their analysis.

Price Earnings To Growth Ratio

6.18

As of now, Red River's Price Earnings To Growth Ratio is increasing as compared to previous years.

Red River March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Red River help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Red River Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Red River Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Red Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Red River's daily price indicators and compare them against related drivers.

Complementary Tools for Red Stock analysis

When running Red River's price analysis, check to measure Red River's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Red River is operating at the current time. Most of Red River's value examination focuses on studying past and present price action to predict the probability of Red River's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Red River's price. Additionally, you may evaluate how the addition of Red River to your portfolios can decrease your overall portfolio volatility.
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