# Red River Bancshares, Inc. (RRBI)

> Source: Nexqual · https://nexqual.com/RRBI · data as of 2026-10-29 20:00 UTC · cite as "Nexqual, Red River Bancshares, Inc. (RRBI), nexqual.com/RRBI" · informational, not investment advice.

**Price:** USD 102.1 (+0.69% on the day) · last close of Oct 29, 2026; US market closed, not a live price. Prev close 101.4 · day 101.44–103.96 · 52w 64.52–104.87 · market cap $672M · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $132M, net income $46.0M (34.9% margin) (SEC filings).
- Valuation: P/E 14.6x (avg 11.2x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold RRBI (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Insider open-market purchases, last ~7 months: 2 Form 4 filings, $222K; 0 by opportunistic insiders, 2 by routine insiders.
- Analysts: Hold (mean 2.67 on a 1–5 scale) (3 analysts), mean target USD 110 (range 110–110).
- Total return with dividends: 1Y +51.1% vs S&P 500 +14.8%; 5Y +102.3% vs S&P 500 +79.1%.
- Next earnings: 2026-10-30 (date not yet confirmed by the company), EPS estimate USD 1.83, revenue estimate $34.3M. All companies reporting that day: https://nexqual.com/earnings/2026-10-30
- Dividend: USD 1 a year (yield 0.99%), paid quarterly; latest ex-dividend date 2026-09-08; annual dividends grew 24.5% a year 2022–2025.
- Short interest: 7.13% of float (as of 2026-10-15), 5.7 days to cover.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $96.2M | $105M | $108M | $110M | $126M | $132M |
| Net income | $33.0M | $36.9M | $34.9M | $34.2M | $42.8M | $46.0M |
| EPS (diluted) | $4.51 | $5.13 | $4.86 | $4.95 | $6.38 | — |
| Free cash flow | $58.8M | $37.4M | $35.2M | $33.4M | $42.2M | $51.1M |
| Net margin | 34.2% | 35.0% | 32.4% | 31.2% | 34.1% | 34.9% |
| Revenue growth | +4.4% | +9.5% | +2.1% | +2.0% | +14.4% | — |
| Cash + short-term investments | $785M | $278M | $305M | $269M | $213M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 14.6x · P/S 5.1x · P/FCF 13.2x · P/B 1.8x · FCF yield 7.60% · Earnings yield 6.84% · Dividend yield (paid, TTM) 0.78%
P/E at fiscal year-ends: Dec 2025 11.2x, Dec 2024 10.9x, Dec 2023 11.6x.

## Superinvestors (SEC 13F-HR, Q2 2026)
1 of 80 tracked investors hold RRBI. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| First Eagle Investment | First Eagle Investment Management | 0.02% | $13.6M | Added +91.5% |

## Insider purchases (SEC Form 4, open-market, last ~7 months)
2 purchases, $222K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-08-10 | Price Teddy Ray | Director | 1,119 | $112K | 99.91 | Routine (bought in Feb & May & Aug & Nov each year 2023–2025) |
| 2026-05-05 | Price Teddy Ray | Director | 1,285 | $110K | 85.79 | Routine (bought in Feb & May & Aug & Nov each year 2023–2025) |
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus Hold (mean 2.67 on a 1–5 scale), 3 analysts; mean target USD 110 (low 110, high 110).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-31 | Stephens & Co. | Target raised | Equal-Weight | $101 → $106 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-30) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +51.1% | +102.3% |
| S&P 500 (SPY) | +14.8% | +79.1% |
| Per year | +51.5% | +15.1% |
| Volatility (annualized) | 24.2% | 22.6% |
| Max drawdown | -8.6% (Apr 2026→Jun 2026) | -22.3% (Oct 2022→May 2023) |

## Dividends
Annual dividend rate USD 1.00 per share, yield 0.99% at the current price. Paid over the last 12 months: USD 0.90 in 4 payments (quarterly).
Most recent ex-dividend date: Sep 8, 2026; payment date: Sep 17, 2026. To receive a dividend, shares must be owned before the ex-dividend date.
Latest change: raised 66.7% to USD 0.25 per payment from USD 0.15, starting with the Mar 9, 2026 ex-dividend date.
Payout ratio 12% of earnings · 5-year average yield 0.63% · annual dividends grew 24.5% a year from 2022 to 2025.
| Ex-dividend date | Amount per share |
|---|---|
| 2026-09-08 | USD 0.25 |
| 2026-06-08 | USD 0.25 |
| 2026-03-09 | USD 0.25 |
| 2025-12-08 | USD 0.15 |
| 2025-09-08 | USD 0.15 |
| 2025-06-06 | USD 0.12 |
| 2025-03-10 | USD 0.12 |
| 2024-12-09 | USD 0.09 |
Total by calendar year: 2022 USD 0.28 · 2023 USD 0.32 · 2024 USD 0.36 · 2025 USD 0.54.

## Short interest
395,131 shares sold short, 7.13% of the float, as of Oct 15, 2026 (exchange short-interest report, published about twice a month). Prior report (Sep 15, 2026): 275,388 shares (+43.5%). Days to cover: 5.7 (short shares ÷ average daily volume).

## Peers (Banks - Regional)
FITB (Fifth Third Bancorp) USD 54.44 +1.81% · NU (Nu Holdings Ltd.) USD 12.05 +0.67% · TFC (Truist Financial Corporation) USD 49.32 +1.86% · DB (Deutsche Bank AG) USD 34.86 +4.03% · NWG (NatWest Group plc) USD 17 -1.33% · LYG (Lloyds Banking Group Plc) USD 5.25 -4.55%

## More
Full page: https://nexqual.com/RRBI · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-07-30)

- "Net income for the second quarter was impacted by an expected $1.0 million increase in operating expenses, partially offset by a $563,000 increase in net interest income."
- "As of June 30, 2026, the 2026 stock repurchase program had $10.0 million of available capacity. • We continued to implement our organic expansion plan with the following projects: ◦ In the Northwest market, we completed our relocation projects."
- "We expect this location to open early in 2027. • In May 2026, there were changes to the boards of directors of the Company and the Bank."
- "As expected, net income and EPS in the second quarter of 2026 were slightly lower than the prior quarter, which had benefited from periodic rebates and refunds from vendors. "We are pleased with the 10 bp expansion to the net interest margin FTE to 3.61% as we repriced loans at higher yields and had a lower cost of deposits."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $1.83 | $1.83 | +0.2% | $34.3M | 3 |
| Next quarter (ends 2026-12-31) | $1.87 | $1.87 | -0.2% | $34.9M | 3 |
| Current fiscal year (ends 2026-12-31) | $7.29 | $7.25 | +0.6% | $135.9M | 3 |
| Next fiscal year (ends 2027-12-31) | $7.68 | $7.53 | +2.0% | $142.9M | 3 |

## Earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $1.78 | $1.76 | Beat +1.1% | — |
| — | Quarter ended Mar 31, 2026 | $1.81 | $1.68 | Beat +7.7% | — |
| — | Quarter ended Dec 31, 2025 | $1.73 | $1.61 | Beat +7.5% | — |
| — | Quarter ended Sep 30, 2025 | $1.63 | $1.54 | Beat +5.8% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

## Recent SEC filings (last 120 days)
| Filed | Form | What it says | Filing |
|---|---|---|---|
| 2026-09-03 | 8-K | Regulation FD disclosure | https://www.sec.gov/Archives/edgar/data/1071236/000107123626000062/0001071236-26-000062-index.htm |
| 2026-08-27 | 8-K | Other material event | https://www.sec.gov/Archives/edgar/data/1071236/000107123626000059/0001071236-26-000059-index.htm |
| 2026-08-07 | 10-Q | Quarterly report · period ended Jun 30, 2026 | https://www.sec.gov/Archives/edgar/data/1071236/000107123626000056/0001071236-26-000056-index.htm |
| 2026-07-30 | 8-K | Quarterly results | https://www.sec.gov/Archives/edgar/data/1071236/000107123626000053/0001071236-26-000053-index.htm |
| 2026-07-29 | Schedule 13G | BlackRock, Inc.: 5.7% of shares, passive 5%+ holder | https://www.sec.gov/Archives/edgar/data/1071236/000201238326002869/0002012383-26-002869-index.htm |
| 2026-07-24 | Schedule 13G/A | Simeon A. Thibeaux: 3.0% of shares, passive 5%+ holder (amended) | https://www.sec.gov/Archives/edgar/data/1071236/000177010026000004/0001770100-26-000004-index.htm |
Source: SEC EDGAR. Quotes are the opening words of each item as filed.