Red River Bancshares Inc (RRBI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Red River Bancshares Inc stock $56.94, price $104, that is 45.0% below the price, quality 65 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Red River Bancshares Inc
RRBI · USOur calculation puts a fair price 45% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.
How to read this chart
60‑month range $43.02 – $107.77 · fair‑value band $49.77 – $79.55 · the $103.55 price screens above the $56.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.
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Company profile
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 the United States. The company offers various deposit products, including checking, saving, money market accounts, and time deposits.
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It provides 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 offers 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.
Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.
Stock analysis
Red River Bancshares Inc (RRBI) currently trades at $103.55, while our model-based Fair Value estimate is $56.94, 45% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $78.60 per share, and 0 of the 6 models we run sit above the $103.55 price.
Bear case: the Dividend Discount group reads lowest at $8.49, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $49.77 (bear) to $79.55 (bull), the price of $103.55 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Red River Bancshares Inc reported revenue of $170M in FY2025 versus $101M in FY2021, a compound +13.9%/yr. Reported net income was $42.8M in FY2025, compounding +6.7%/yr from FY2021.
Key figures
Market cap $685M Small · P/E ratio 14.3 · P/S ratio 5.19 · EPS (TTM) $7.22 · Dividend yield 0.1% · Net margin 36.2% · Return on equity 13.0% · Return on assets (EBIT) 1.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 61% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −45%, RRBI screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $224,404, on Nov 4, 2026.
- BuyTeddy Ray PriceDirector5× since Feb 4, 2026: 4,260 shares, avg. $95.72$407,752Nov 4, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
RRBI screens overvalued: fair value 45% below the price. Compare with China Merchants Bank Co →
Earlier news
- Red River Bancshares (RRBI) Earnings Expected to Grow: What to Know Ahead of Q3 Release
- Red River Bancshares (RRBI) Q2 Earnings Beat Estimates
- Red River Bancshares GAAP EPS of $1.78 beats by $0.02, revenue of $33.7M beats by $0.04M
- Red River Bancshares (RRBI) Q1 Earnings Surpass Estimates
Compare Red River Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Dividend yield by industry
- EV/EBITDA by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs RRBI |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs RRBI |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs RRBI |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs RRBI |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs RRBI |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs RRBI |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs RRBI |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs RRBI |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs RRBI |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs RRBI |
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Key figures of Red River Bancshares Inc
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