US · RRBI
Red River Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Alexandria, LA 71301
- Website
- redriverbank.net
Price · as of 2025-12-31
$91.34
Market cap 599.31M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $188.13 | +105.97% |
| Intrinsic Value(DCF) | $95.23 | +4.26% |
| Graham-Dodd Method(GD) | $86.48 | -5.32% |
| Graham Formula(GF) | $103.53 | +13.35% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $34.40 | $20.96 | |||
| 2018 | $40.75 | $71.88 | |||
| 2019 | $47.29 | $45.16 | $67.02 | $50.35 | $62.11 |
| 2020 | $60.69 | $80.06 | $96.24 | $54.39 | $76.84 |
| 2021 | $47.50 | $26.69 | $152.34 | $59.39 | $42.86 |
| 2022 | $47.44 | $56.89 | $151.80 | $58.51 | $98.84 |
| 2023 | $48.94 | $50.11 | $149.70 | $61.75 | $148.56 |
| 2024 | $53.50 | $45.78 | $72.87 | $65.54 | $102.07 |
| 2025 | $89.55 | $188.13 | $119.33 | $86.48 | $103.53 |
AI valuation
Our deep-learning model estimates Red River Bancshares, Inc.'s (RRBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $188.13
- Current price
- $91.34
- AI upside
- +105.97%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$95.23
+4.26% upside
Graham-Dodd
$86.48
-5.32% upside
Graham Formula
$103.53
+13.35% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| RRBI | Red River Bancshares, Inc… | $91.34 | 599.31M | +106% | +4% | -5% | +13% | 13.98 | 1.64 | 3.52 | -1.38 | 48.40 | 1.64 | 72.55% | 31.28% | 25.18% | 12.49% | -31.62% | 1.32% | 0.00 | 1.20 | 443.09 | 443.09 | -0.45 | 2889.00% | 834.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -1.38 | — | -0.43 | 0.63 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| COFS | ChoiceOne Financial Servi… | $28.62 | 429.98M | +208% | +2,084% | +19% | +218% | 14.56 | 0.88 | 2.13 | 2.37 | — | 1.35 | 58.16% | 17.72% | 14.61% | 7.76% | 176.97% | 0.79% | 0.67 | 0.52 | 0.71 | 0.71 | 6.59 | -3815.00% | 3867.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.37 | — | 0.42 | 0.09 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FBIZ | First Business Financial … | $54.65 | 454.98M | +15% | +74% | +37% | +61% | 8.90 | 1.21 | 1.60 | 10.93 | 53.84 | 1.25 | 57.29% | 21.65% | 18.02% | 14.37% | 13.57% | 1.27% | 0.68 | 0.55 | 0.31 | 26.62 | 3.52 | 1654.00% | 643.00% | 669.00% | 13.64% | 0.49 | 16.48% | 0.00% | 0.00% | 0.00% | 10.93 | 10.81 | 2.37 | 0.27 |
| HBCP | Home Bancorp, Inc. | $59.10 | 462.64M | -38% | -25% | -21% | +50% | 9.74 | 0.90 | 1.78 | 9.78 | — | 1.14 | 66.38% | 22.66% | 18.27% | 9.54% | 6.97% | 1.08% | 0.59 | 0.70 | 0.04 | 0.04 | 2.81 | -842.00% | 1183.00% | 1358.00% | 12.59% | 0.02 | 8.55% | 2.31% | 22.50% | 14.80% | 10.53 | 10.65 | 2.39 | -0.70 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| PFIS | Peoples Financial Service… | $53.60 | 535.71M | +169% | +33% | +38% | +224% | 9.17 | 1.04 | 1.93 | 11.09 | 1.86 | 1.30 | 66.60% | 25.71% | 21.07% | 11.97% | 10.96% | 1.14% | 0.50 | 0.77 | 0.09 | 0.00 | 3.58 | 49394.00% | 2226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.09 | — | 2.85 | -0.44 |
| PGC | Peapack-Gladstone Financi… | $33.49 | 588.02M | +1% | -4% | +15% | -13% | 16.16 | 0.88 | 1.32 | 5.44 | — | 0.95 | 53.76% | 11.16% | 8.19% | 5.55% | 8.90% | 0.49% | 0.29 | 0.25 | 0.08 | 0.08 | -4.29 | -3173.00% | 780.00% | -568.00% | 11.82% | 0.01 | 16.99% | 0.66% | 10.70% | 110.74% | 6.01 | 4.28 | 0.67 | -0.77 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About Red River Bancshares, Inc.
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 provides various deposit products, including checking, saving, money market accounts, and time deposits. It also offers commercial real estate loans; one-to-four family mortgage loans and home equity lines of credit; construction and development loans; commercial and industrial loans; small business administration paycheck protection program loans; tax-exempt loans; consumer loans to individuals for personal, family, and household purposes, including secured and unsecured installment and term loans; home mortgage loans; and lines of credit and standby letters of credit. In addition, the company provides treasury management, private banking, and brokerage; investment advisory, financial planning, and a suite of retirement plans; debit and credit cards, direct deposits, cashier's checks, and wire transfer services; online banking services, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and banking services in person, through ATMs, drive-through facilities, night deposits, telephone, mail, mobile banking, and remote deposits. It operates a network of 27 banking centers throughout Louisiana and two combined loan and deposit production offices in Lafayette and New Orleans, Louisiana. The company was incorporated in 1998 and is headquartered in Alexandria, Louisiana.
- CEO
- Ronald Blake Chatelain
- Employees
- 375
- Beta
- 0.50
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($95.23 ÷ $91.34) − 1 = +4.26% (DCF, example).