Red River Bancshares Inc. Common Stock (RRBI)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham investor, I start with the business: Red River Bancshares is a $660 million market-cap bank holding company operating through 381 employees, making loans and taking deposits for commercial and retail customers. It is not a wide-moat enterprise, but community banks can earn durable local spreads with disciplined underwriting. The filed figures show fiscal 2025 net income of $42.8 million and diluted EPS of $6.38, up from $34.2 million and $4.95 in fiscal 2024. Fiscal 2023 was $34.9 million and $4.86, so the record is steady rather than spectacular; FairStock calls it a stalwart, with profit up 8.7% a year over five years. Recent quarters are consistent: fiscal Q1 2026 (quarter ended 2026-03-31) net income $12.0 million and EPS $1.81; fiscal Q2 2026 (quarter ended 2026-06-30) $11.8 million and $1.78; fiscal Q4 2025 (quarter ended 2025-12-31) $11.4 million and $1.73; fiscal Q3 2025 (quarter ended 2025-09-30) $10.8 million and $1.63. At the 2026-10-13 close of $100.23, FairStock calculates a P/E of 14.42, P/B of 1.72, ROE of 12.77%, and PEG of 0.94. A 12.77% ROE does not obviously support 1.72 times book; that is not a Graham bargain. Beta of 0.42 suggests low volatility, and the 1.00% dividend is modest. Piotroski of 5/9 is middling. The data lacks CET1, net interest margin, nonperforming loans, reserve coverage, and efficiency ratio, so I cannot fully judge credit or capital. A combined ratio is an insurer metric and does not apply. I see a decent, steady bank, but the price already reflects much of the good news.

In plain English: Red River Bancshares is a small bank holding company that runs Red River Bank, serving businesses and regular customers with deposits and loans. Its profits have been moving higher, and it earns a reasonable return on shareholders' money, but the stock is near the top of its 52-week range and looks fully priced relative to profits and net worth. It seems like a steady community bank rather than a hidden bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer