Red River Bancshares (RRBI) Financials

$55.39 +0.01 (+0.02%)

Closing price 05/23/2025 04:00 PM Eastern

Extended Trading

$55.39 0.00 (0.00%)

As of 05/23/2025 04:04 PM Eastern

Annual Income Statements for Red River Bancshares

This table shows Red River Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	34	35	37
Consolidated Net Income / (Loss)	34	35	37
Net Income / (Loss) Continuing Operations	34	35	37
Total Pre-Tax Income	42	43	45
Total Revenue	110	108	105
Net Interest Income / (Expense)	89	86	87
Total Interest Income	137	119	94
Loans and Leases Interest Income	109	93	76
Investment Securities Interest Income	17	14	14
Deposits and Money Market Investments Interest Income	11	9.80	3.68
Federal Funds Sold and Securities Borrowed Interest Income	0.00	0.89	1.09
Total Interest Expense	48	32	7.74
Deposits Interest Expense	48	32	7.74
Short-Term Borrowings Interest Expense	0.00	0.06	0.00
Total Non-Interest Income	20	21	19
Trust Fees by Commissions	3.79	3.80	3.55
Service Charges on Deposit Accounts	7.71	7.92	7.29
Other Service Charges	4.18	3.82	4.07
Net Realized & Unrealized Capital Gains on Investments	1.43	2.86	0.04
Other Non-Interest Income	3.34	2.72	3.81
Provision for Credit Losses	1.20	0.74	1.75
Total Non-Interest Expense	66	64	59
Salaries and Employee Benefits	39	37	35
Net Occupancy & Equipment Expense	12	12	11
Marketing Expense	3.45	3.29	2.78
Other Operating Expenses	12	12	10
Income Tax Expense	8.15	8.07	8.07
Basic Earnings per Share	$4.96	$4.87	$5.14
Weighted Average Basic Shares Outstanding	6.78M	7.09M	7.18M
Diluted Earnings per Share	$4.95	$4.86	$5.13
Weighted Average Diluted Shares Outstanding	6.78M	7.09M	7.18M
Weighted Average Basic & Diluted Shares Outstanding	6.78M	7.09M	7.18M
Cash Dividends to Common per Share	$0.36	$0.32	$0.28

This table shows Red River Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	9.31	8.75	7.99	8.19	8.29	8.02	8.97	9.60	10	10
Consolidated Net Income / (Loss)	9.31	8.75	7.99	8.19	8.29	8.02	8.97	9.60	10	10
Net Income / (Loss) Continuing Operations	9.31	8.75	7.99	8.19	8.29	8.02	8.97	9.60	10	10
Total Pre-Tax Income	12	11	9.90	10	10	9.89	11	12	12	12
Total Revenue	29	28	27	26	26	26	28	27	28	28
Net Interest Income / (Expense)	24	22	22	21	21	21	22	23	24	23
Total Interest Income	36	35	34	33	32	30	28	28	27	25
Loans and Leases Interest Income	28	28	27	26	25	24	23	22	21	20
Investment Securities Interest Income	4.65	4.36	4.09	4.09	3.70	3.45	3.70	3.60	3.54	3.59
Deposits and Money Market Investments Interest Income	2.70	2.63	2.71	3.04	3.44	2.95	1.67	1.74	1.52	1.24
Total Interest Expense	12	12	12	12	11	9.60	6.96	4.82	3.31	1.80
Deposits Interest Expense	12	12	12	12	11	9.56	6.93	4.82	3.31	1.80
Total Non-Interest Income	5.00	5.42	5.10	4.93	5.19	5.58	6.01	4.34	4.62	4.87
Trust Fees by Commissions	0.92	0.99	0.89	0.99	1.04	1.03	0.92	0.81	1.01	0.87
Service Charges on Deposit Accounts	1.92	2.07	1.86	1.86	2.03	2.06	1.95	1.87	1.80	1.99
Other Service Charges	1.03	1.00	1.04	1.10	0.95	0.89	0.98	1.00	1.03	0.96
Net Realized & Unrealized Capital Gains on Investments	1.06	0.41	-0.01	-0.03	1.91	0.81	-0.06	0.21	0.16	0.25
Other Non-Interest Income	0.06	0.95	1.32	1.01	-0.74	0.80	2.21	0.45	0.61	0.81
Provision for Credit Losses	0.30	0.30	0.30	0.30	0.25	0.19	0.30	0.00	0.75	0.60
Total Non-Interest Expense	17	17	17	16	16	16	16	15	15	15
Salaries and Employee Benefits	9.77	9.70	9.60	9.55	9.23	9.46	9.55	9.00	8.68	8.85
Net Occupancy & Equipment Expense	3.28	3.18	3.07	2.67	2.97	2.99	2.83	2.87	2.87	2.79
Marketing Expense	0.80	0.84	1.00	0.81	0.88	0.85	0.84	0.72	0.86	0.75
Other Operating Expenses	2.99	3.04	3.01	2.84	2.94	2.93	2.91	2.91	2.68	2.65
Income Tax Expense	2.24	2.07	1.91	1.93	1.92	1.87	2.12	2.16	2.27	2.13
Basic Earnings per Share	$1.36	$1.28	$1.16	$1.16	$1.16	$1.12	$1.25	$1.34	$1.42	$1.42
Weighted Average Basic Shares Outstanding	6.78M	6.83M	6.89M	6.90M	7.09M	7.13M	7.18M	7.19M	7.18M	7.18M
Diluted Earnings per Share	$1.36	$1.27	$1.16	$1.16	$1.16	$1.12	$1.25	$1.33	$1.41	$1.42
Weighted Average Diluted Shares Outstanding	6.78M	6.83M	6.89M	6.90M	7.09M	7.13M	7.18M	7.19M	7.18M	7.18M
Weighted Average Basic & Diluted Shares Outstanding	6.78M	6.83M	6.89M	6.90M	7.09M	7.13M	7.18M	7.19M	7.18M	7.18M

This table details how cash moves in and out of Red River Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	-36	27	-506
Net Cash From Operating Activities	38	40	46
Net Cash From Continuing Operating Activities	38	40	46
Net Income / (Loss) Continuing Operations	34	35	37
Consolidated Net Income / (Loss)	34	35	37
Provision For Loan Losses	1.20	0.74	1.75
Depreciation Expense	2.53	2.20	2.08
Amortization Expense	0.56	0.66	0.92
Non-Cash Adjustments to Reconcile Net Income	1.21	0.11	1.26
Changes in Operating Assets and Liabilities, net	-1.45	1.54	2.95
Net Cash From Investing Activities	-59	-8.74	-439
Net Cash From Continuing Investing Activities	-59	-8.74	-439
Purchase of Property, Leasehold Improvements and Equipment	-4.88	-4.92	-8.44
Purchase of Investment Securities	-213	-176	-557
Sale of Property, Leasehold Improvements and Equipment	0.01	0.02	0.00
Sale and/or Maturity of Investments	158	172	127
Net Cash From Financing Activities	-16	-4.34	-114
Net Cash From Continuing Financing Activities	-16	-4.34	-114
Net Change in Deposits	3.22	2.95	-111
Issuance of Debt	0.00	60	0.00
Repayment of Debt	0.00	-60	0.00
Repurchase of Common Equity	-16	-5.00	-0.22
Payment of Dividends	-2.48	-2.29	-2.01
Cash Interest Paid	48	26	7.48
Cash Income Taxes Paid	6.94	9.00	7.35

This table details how cash moves in and out of Red River Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	36	20	-17	-76	-17	100	-7.15	-49	-23	-55
Net Cash From Operating Activities	4.07	17	2.41	14	8.09	14	4.59	13	11	17
Net Cash From Continuing Operating Activities	4.07	17	2.41	14	8.09	14	4.59	13	11	17
Net Income / (Loss) Continuing Operations	9.31	8.75	7.99	8.19	8.29	8.02	8.97	9.60	10	10
Consolidated Net Income / (Loss)	9.31	8.75	7.99	8.19	8.29	8.02	8.97	9.60	10	10
Provision For Loan Losses	0.30	0.30	0.30	0.30	0.25	0.19	0.30	0.00	0.75	0.60
Depreciation Expense	0.68	0.64	0.60	0.60	0.58	0.55	0.52	0.55	0.56	0.51
Amortization Expense	0.19	0.12	0.10	0.15	0.17	0.10	0.05	0.34	0.24	0.08
Non-Cash Adjustments to Reconcile Net Income	0.55	0.36	-0.41	0.72	-0.23	0.58	0.06	-0.30	0.06	0.78
Changes in Operating Assets and Liabilities, net	-6.96	7.21	-6.16	4.46	-0.97	4.67	-5.31	3.15	-1.27	4.99
Net Cash From Investing Activities	-23	-25	11	-23	-63	52	-3.36	5.97	-35	-18
Net Cash From Continuing Investing Activities	-23	-25	11	-23	-63	52	-3.36	5.97	-35	-18
Purchase of Property, Leasehold Improvements and Equipment	-2.46	-0.40	-0.97	-1.05	-1.21	-1.46	-1.02	-1.23	-2.12	-1.18
Purchase of Investment Securities	-61	-116	27	-62	-108	-7.02	-46	-14	-48	-196
Sale and/or Maturity of Investments	41	92	-15	40	44	62	44	22	14	179
Net Cash From Financing Activities	55	27	-31	-67	39	34	-8.38	-68	1.94	-54
Net Cash From Continuing Financing Activities	55	27	-31	-67	39	34	-8.38	-68	1.94	-54
Net Change in Deposits	58	30	-29	-56	42	96	-67	-68	2.44	-54
Repurchase of Common Equity	-2.53	-3.01	-0.76	-10	-2.90	-1.16	-0.60	-0.35	-	-
Payment of Dividends	-0.61	-0.62	-0.62	-0.64	-0.57	-0.57	-0.57	-0.57	-0.50	-0.50
Cash Interest Paid	16	9.44	12	11	9.55	6.90	5.30	3.95	2.94	1.78
Cash Income Taxes Paid	1.71	0.97	-	-	2.11	1.41	-	-	2.59	1.06

This table presents Red River Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	3,150	3,129	3,083
Cash and Due from Banks	31	53	38
Interest Bearing Deposits at Other Banks	238	252	241
Trading Account Securities	687	717	780
Loans and Leases, Net of Allowance	2,053	1,972	0.00
Loans and Leases	2,075	1,993	-
Allowance for Loan and Lease Losses	22	21	-
Loans Held for Sale	2.55	1.31	0.52
Premises and Equipment, Net	59	57	54
Intangible Assets	1.55	1.55	1.55
Other Assets	77	75	1,968
Total Liabilities & Shareholders' Equity	3,150	3,129	3,083
Total Liabilities	2,830	2,825	2,817
Non-Interest Bearing Deposits	866	916	1,091
Interest Bearing Deposits	1,939	1,885	1,708
Accrued Interest Payable	7.58	8.00	1.56
Other Long-Term Liabilities	17	15	16
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	320	304	266
Total Preferred & Common Equity	320	304	266
Preferred Stock	0.00	0.00	0.00
Total Common Equity	320	304	266
Common Stock	41	58	62
Retained Earnings	339	307	275
Accumulated Other Comprehensive Income / (Loss)	-60	-60	-71

This table presents Red River Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	3,102	3,049	3,073	3,066	3,027	3,031	3,060
Cash and Due from Banks	40	35	19	42	37	34	39
Interest Bearing Deposits at Other Banks	193	178	210	280	185	195	262
Trading Account Securities	700	669	690	677	743	769	768
Loans and Leases, Net of Allowance	2,034	2,026	0.00	0.00	0.00	0.00	-20
Loans and Leases	2,056	2,048	-	-	-	-	-
Allowance for Loan and Lease Losses	22	22	-	-	-	-	20
Loans Held for Sale	1.81	3.88	1.65	2.35	4.59	2.05	1.54
Premises and Equipment, Net	58	58	58	56	56	55	53
Intangible Assets	1.55	1.55	1.55	1.55	1.55	1.55	1.55
Other Assets	74	77	2,092	2,006	2,000	1,974	1,955
Total Liabilities & Shareholders' Equity	3,102	3,049	3,073	3,066	3,027	3,031	3,060
Total Liabilities	2,777	2,742	2,774	2,784	2,744	2,754	2,816
Non-Interest Bearing Deposits	882	893	895	972	990	1,060	1,172
Interest Bearing Deposits	1,865	1,824	1,850	1,788	1,675	1,671	1,624
Accrued Interest Payable	12	8.75	8.96	6.80	4.10	2.43	1.19
Other Long-Term Liabilities	19	16	19	18	16	20	19
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	324	307	299	282	283	277	243
Total Preferred & Common Equity	324	307	299	282	283	277	243
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	324	307	299	282	283	277	243
Common Stock	44	47	48	60	61	62	62
Retained Earnings	330	322	314	299	292	283	265
Accumulated Other Comprehensive Income / (Loss)	-50	-62	-63	-77	-70	-69	-84

This table displays calculated financial ratios and metrics derived from Red River Bancshares' official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	2.03%	2.06%	9.53%
EBITDA Growth	-0.73%	-4.54%	6.40%
EBIT Growth	-1.31%	-4.53%	12.28%
NOPAT Growth	-1.85%	-5.52%	12.03%
Net Income Growth	-1.85%	-5.52%	12.03%
EPS Growth	1.85%	-5.26%	13.75%
Operating Cash Flow Growth	-4.55%	-12.55%	-26.33%
Free Cash Flow Firm Growth	669.96%	-104.64%	241.78%
Invested Capital Growth	5.23%	14.34%	-10.87%
Revenue Q/Q Growth	2.05%	-1.66%	3.79%
EBITDA Q/Q Growth	3.32%	-4.79%	3.71%
EBIT Q/Q Growth	3.26%	-4.99%	5.09%
NOPAT Q/Q Growth	3.05%	-5.16%	4.77%
Net Income Q/Q Growth	3.05%	-5.16%	4.77%
EPS Q/Q Growth	4.21%	-4.89%	5.12%
Operating Cash Flow Q/Q Growth	-9.51%	-5.72%	-3.51%
Free Cash Flow Firm Q/Q Growth	300.60%	-82.90%	-23.42%
Invested Capital Q/Q Growth	-1.41%	7.77%	9.18%
Profitability Metrics	-	-	-
EBITDA Margin	41.43%	42.58%	45.52%
EBIT Margin	38.62%	39.93%	42.68%
Profit (Net Income) Margin	31.20%	32.43%	35.03%
Tax Burden Percent	80.78%	81.22%	82.07%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	19.22%	18.78%	17.93%
Return on Invested Capital (ROIC)	10.98%	12.25%	13.09%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%
Return on Equity (ROE)	0.00%	0.00%	0.00%
Cash Return on Invested Capital (CROIC)	5.88%	-1.13%	24.58%
Operating Return on Assets (OROA)	1.35%	1.38%	1.43%
Return on Assets (ROA)	1.09%	1.12%	1.17%
Return on Common Equity (ROCE)	0.00%	0.00%	0.00%
Return on Equity Simple (ROE_SIMPLE)	10.71%	11.48%	13.89%
Net Operating Profit after Tax (NOPAT)	34	35	37
NOPAT Margin	31.20%	32.43%	35.03%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	49.46%	48.53%	45.84%
Operating Expenses to Revenue	60.29%	59.39%	55.66%
Earnings before Interest and Taxes (EBIT)	42	43	45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	45	46	48
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.15	1.30	1.36
Price to Tangible Book Value (P/TBV)	1.16	1.31	1.37
Price to Revenue (P/Rev)	3.35	3.69	3.43
Price to Earnings (P/E)	10.74	11.37	9.78
Dividend Yield	0.67%	0.58%	0.56%
Earnings Yield	9.31%	8.80%	10.22%
Enterprise Value to Invested Capital (EV/IC)	0.31	0.30	0.31
Enterprise Value to Revenue (EV/Rev)	0.90	0.85	0.78
Enterprise Value to EBITDA (EV/EBITDA)	2.17	1.99	1.72
Enterprise Value to EBIT (EV/EBIT)	2.33	2.12	1.84
Enterprise Value to NOPAT (EV/NOPAT)	2.88	2.61	2.24
Enterprise Value to Operating Cash Flow (EV/OCF)	2.58	2.27	1.80
Enterprise Value to Free Cash Flow (EV/FCFF)	5.38	0.00	1.19
Leverage & Solvency	-	-	-
Debt to Equity	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00
Financial Leverage	0.00	0.00	0.00
Leverage Ratio	10.07	10.90	11.19
Compound Leverage Factor	10.07	10.90	11.19
Debt to Total Capital	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	100.00%	100.00%	100.00%
Debt to EBITDA	0.00	0.00	0.00
Net Debt to EBITDA	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.00	0.00	0.00
Debt to NOPAT	0.00	0.00	0.00
Net Debt to NOPAT	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.00	0.00	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	18	-3.22	69
Operating Cash Flow to CapEx	786.60%	818.42%	543.19%
Free Cash Flow to Firm to Interest Expense	0.38	-0.10	8.96
Operating Cash Flow to Interest Expense	0.80	1.25	5.93
Operating Cash Flow Less CapEx to Interest Expense	0.70	1.10	4.84
Efficiency Ratios	-	-	-
Asset Turnover	0.04	0.03	0.03
Fixed Asset Turnover	1.88	1.93	2.06
Capital & Investment Metrics	-	-	-
Invested Capital	320	304	266
Invested Capital Turnover	0.35	0.38	0.37
Increase / (Decrease) in Invested Capital	16	38	-32
Enterprise Value (EV)	99	91	83
Market Capitalization	368	396	361
Book Value per Share	$46.84	$42.61	$36.99
Tangible Book Value per Share	$46.61	$42.39	$36.78
Total Capital	320	304	266
Total Debt	0.00	0.00	0.00
Total Long-Term Debt	0.00	0.00	0.00
Net Debt	-269	-305	-278
Capital Expenditures (CapEx)	4.87	4.90	8.44
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	0.00	0.00	0.00
Total Depreciation and Amortization (D&A)	3.08	2.85	3.00
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$4.96	$4.87	$5.14
Adjusted Weighted Average Basic Shares Outstanding	6.78M	7.09M	7.18M
Adjusted Diluted Earnings per Share	$4.95	$4.86	$5.13
Adjusted Weighted Average Diluted Shares Outstanding	6.78M	7.09M	7.18M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	6.78M	7.09M	7.18M
Normalized Net Operating Profit after Tax (NOPAT)	34	35	37
Normalized NOPAT Margin	31.20%	32.43%	35.03%
Pre Tax Income Margin	38.62%	39.93%	42.68%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.88	1.34	5.81
NOPAT to Interest Expense	0.71	1.09	4.77
EBIT Less CapEx to Interest Expense	0.78	1.18	4.72
NOPAT Less CapEx to Interest Expense	0.61	0.93	3.68
Payout Ratios	-	-	-
Dividend Payout Ratio	7.25%	6.56%	5.45%
Augmented Payout Ratio	54.89%	20.90%	6.04%

This table displays calculated financial ratios and metrics derived from Red River Bancshares' official financial filings.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	8.32%	5.97%	-2.30%	-3.52%	-6.40%	-5.90%	5.80%	17.81%	15.73%	17.70%
EBITDA Growth	13.32%	9.91%	-9.09%	-14.06%	-17.38%	-18.35%	0.24%	24.21%	14.87%	16.98%
EBIT Growth	13.09%	9.43%	-10.73%	-13.97%	-18.09%	-19.68%	-1.80%	31.88%	21.20%	24.16%
NOPAT Growth	12.23%	9.14%	-10.94%	-14.69%	-18.63%	-21.25%	-1.96%	29.84%	19.75%	25.17%
Net Income Growth	12.23%	9.14%	-10.94%	-14.69%	-18.63%	-21.25%	-1.96%	29.84%	19.75%	25.17%
EPS Growth	17.24%	13.39%	-7.20%	-12.78%	-17.73%	-21.13%	-1.57%	29.13%	21.55%	26.79%
Operating Cash Flow Growth	-49.73%	23.28%	-47.41%	8.17%	-23.11%	-17.77%	-51.02%	51.01%	-13.70%	16.40%
Free Cash Flow Firm Growth	77.92%	-10.15%	154.91%	-568.17%	-169.99%	-146.62%	-266.70%	-107.90%	1,123.26%	624.86%
Invested Capital Growth	5.23%	15.03%	-10.60%	8.20%	14.34%	15.83%	35.40%	4.44%	-10.87%	-18.51%
Revenue Q/Q Growth	2.90%	3.69%	2.26%	-0.71%	0.66%	-4.40%	0.98%	-3.69%	1.21%	7.48%
EBITDA Q/Q Growth	7.14%	9.31%	-2.53%	-0.73%	3.91%	-9.57%	-7.86%	-4.57%	2.70%	11.01%
EBIT Q/Q Growth	6.64%	9.38%	-2.19%	-0.87%	3.19%	-10.77%	-5.75%	-5.62%	1.19%	9.09%
NOPAT Q/Q Growth	6.31%	9.60%	-2.45%	-1.25%	3.38%	-10.56%	-6.56%	-5.82%	0.05%	11.36%
Net Income Q/Q Growth	6.31%	9.60%	-2.45%	-1.25%	3.38%	-10.56%	-6.56%	-5.82%	0.05%	11.36%
EPS Q/Q Growth	7.09%	9.48%	0.00%	0.00%	3.57%	-10.40%	-6.02%	-5.67%	-0.70%	11.81%
Operating Cash Flow Q/Q Growth	-76.60%	620.43%	-83.27%	78.19%	-42.61%	207.35%	-65.58%	26.66%	-38.63%	83.05%
Free Cash Flow Firm Q/Q Growth	80.42%	-175.76%	406.29%	51.40%	2.33%	62.24%	-3,627.31%	-105.09%	-34.94%	35.04%
Invested Capital Q/Q Growth	-1.41%	5.64%	2.56%	-1.49%	7.77%	-17.89%	24.12%	4.10%	9.18%	-4.02%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	43.27%	41.56%	39.42%	41.35%	41.36%	40.07%	42.36%	46.42%	46.85%	46.17%
EBIT Margin	40.24%	38.83%	36.81%	38.48%	38.55%	37.60%	40.28%	43.16%	44.04%	44.05%
Profit (Net Income) Margin	32.44%	31.40%	29.71%	31.14%	31.31%	30.49%	32.59%	35.22%	36.02%	36.44%
Tax Burden Percent	80.62%	80.88%	80.71%	80.93%	81.24%	81.09%	80.90%	81.61%	81.78%	82.72%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.38%	19.12%	19.29%	19.07%	18.76%	18.91%	19.10%	18.39%	18.22%	17.28%
Return on Invested Capital (ROIC)	11.42%	11.14%	9.68%	11.53%	11.83%	12.69%	12.12%	14.25%	13.46%	13.65%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	9.68%	0.00%	0.00%	0.00%	12.12%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.98%	0.00%	0.00%	0.00%	1.35%	0.00%	0.00%	0.00%
Return on Equity (ROE)	0.00%	0.00%	10.66%	0.00%	0.00%	0.00%	13.48%	0.00%	0.00%	0.00%
Cash Return on Invested Capital (CROIC)	5.88%	-3.02%	21.18%	3.75%	-1.13%	-0.67%	-17.03%	10.10%	24.58%	33.39%
Operating Return on Assets (OROA)	1.41%	1.35%	1.28%	1.34%	1.33%	1.34%	1.45%	1.51%	1.47%	1.47%
Return on Assets (ROA)	1.13%	1.10%	1.04%	1.09%	1.08%	1.09%	1.18%	1.24%	1.20%	1.22%
Return on Common Equity (ROCE)	0.00%	0.00%	10.66%	0.00%	0.00%	0.00%	13.48%	0.00%	0.00%	0.00%
Return on Equity Simple (ROE_SIMPLE)	0.00%	10.24%	10.58%	11.18%	0.00%	13.04%	13.74%	14.14%	0.00%	14.48%
Net Operating Profit after Tax (NOPAT)	9.31	8.75	7.99	8.19	8.29	8.02	8.97	9.60	10	10
NOPAT Margin	32.44%	31.40%	29.71%	31.14%	31.31%	30.49%	32.59%	35.22%	36.02%	36.44%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	48.29%	49.20%	50.87%	49.58%	49.42%	50.57%	48.04%	46.17%	43.85%	44.33%
Operating Expenses to Revenue	58.71%	60.09%	62.08%	60.37%	60.51%	61.70%	58.63%	56.84%	53.30%	53.80%
Earnings before Interest and Taxes (EBIT)	12	11	9.90	10	10	9.89	11	12	12	12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	12	12	11	11	11	11	12	13	13	13
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.15	1.10	1.08	1.18	1.30	1.16	1.24	1.24	1.36	1.44
Price to Tangible Book Value (P/TBV)	1.16	1.11	1.08	1.18	1.31	1.17	1.24	1.25	1.37	1.45
Price to Revenue (P/Rev)	3.35	3.33	3.13	3.31	3.69	2.99	3.16	3.13	3.43	3.46
Price to Earnings (P/E)	10.74	10.78	10.20	10.53	11.37	8.90	9.00	8.75	9.78	9.96
Dividend Yield	0.67%	0.67%	0.71%	0.66%	0.58%	0.68%	0.61%	0.61%	0.56%	0.57%
Earnings Yield	9.31%	9.28%	9.81%	9.50%	8.80%	11.23%	11.11%	11.42%	10.22%	10.04%
Enterprise Value to Invested Capital (EV/IC)	0.31	0.39	0.39	0.41	0.30	0.02	0.55	0.41	0.31	0.21
Enterprise Value to Revenue (EV/Rev)	0.90	1.17	1.12	1.15	0.85	0.05	1.70	1.03	0.78	0.49
Enterprise Value to EBITDA (EV/EBITDA)	2.17	2.85	2.75	2.79	1.99	0.11	3.74	2.25	1.72	1.08
Enterprise Value to EBIT (EV/EBIT)	2.33	3.06	2.95	2.97	2.12	0.12	3.96	2.37	1.84	1.17
Enterprise Value to NOPAT (EV/NOPAT)	2.88	3.78	3.64	3.66	2.61	0.14	4.84	2.90	2.24	1.42
Enterprise Value to Operating Cash Flow (EV/OCF)	2.58	2.97	3.03	2.98	2.27	0.12	4.14	2.25	1.80	1.05
Enterprise Value to Free Cash Flow (EV/FCFF)	5.38	0.00	1.72	11.36	0.00	0.00	0.00	4.14	1.19	0.55
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.21	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.21	0.00	0.00	0.00
Financial Leverage	0.00	0.00	0.10	0.00	0.00	0.00	0.11	0.00	0.00	0.00
Leverage Ratio	10.07	10.17	10.29	10.60	10.90	11.66	11.45	11.53	11.19	11.22
Compound Leverage Factor	10.07	10.17	10.29	10.60	10.90	11.66	11.45	11.53	11.19	11.22
Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	17.47%	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	17.47%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	82.53%	100.00%	100.00%	100.00%
Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	1.19	0.00	0.00	0.00
Net Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	-3.21	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	1.19	0.00	0.00	0.00
Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	1.54	0.00	0.00	0.00
Net Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	-4.16	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	1.54	0.00	0.00	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-6.58	-34	44	-14	-30	-31	-81	-2.17	43	65
Operating Cash Flow to CapEx	165.43%	4,401.01%	248.00%	1,371.93%	673.77%	973.83%	448.48%	1,084.62%	495.71%	1,456.92%
Free Cash Flow to Firm to Interest Expense	-0.55	-2.70	3.73	-1.24	-2.77	-3.18	-11.61	-0.45	12.87	36.41
Operating Cash Flow to Interest Expense	0.34	1.40	0.20	1.24	0.75	1.47	0.66	2.76	3.18	9.54
Operating Cash Flow Less CapEx to Interest Expense	0.13	1.37	0.12	1.15	0.64	1.32	0.51	2.51	2.54	8.88
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.03	0.03
Fixed Asset Turnover	1.88	1.88	1.87	1.89	1.93	2.00	2.06	2.07	2.06	2.03
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	320	324	307	299	304	282	343	277	266	243
Invested Capital Turnover	0.35	0.35	0.33	0.37	0.38	0.42	0.37	0.40	0.37	0.37
Increase / (Decrease) in Invested Capital	16	42	-36	23	38	39	90	12	-32	-55
Enterprise Value (EV)	99	125	118	123	91	5.20	189	113	83	50
Market Capitalization	368	358	331	352	396	327	351	343	361	351
Book Value per Share	$46.84	$47.10	$44.47	$42.20	$42.61	$39.30	$39.43	$38.53	$36.99	$33.88
Tangible Book Value per Share	$46.61	$46.87	$44.25	$41.98	$42.39	$39.08	$39.21	$38.31	$36.78	$33.67
Total Capital	320	324	307	299	304	282	343	277	266	243
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00	60	0.00	0.00	0.00
Total Long-Term Debt	0.00	0.00	0.00	0.00	0.00	0.00	60	0.00	0.00	0.00
Net Debt	-269	-233	-213	-230	-305	-322	-162	-229	-278	-301
Capital Expenditures (CapEx)	2.46	0.40	0.97	1.05	1.20	1.45	1.02	1.23	2.12	1.18
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	0.00	0.00	0.00	0.00	0.00	0.00	60	0.00	0.00	0.00
Total Depreciation and Amortization (D&A)	0.87	0.76	0.70	0.75	0.75	0.65	0.57	0.89	0.80	0.59
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.36	$1.28	$1.16	$1.16	$1.16	$1.12	$1.25	$1.34	$1.42	$1.42
Adjusted Weighted Average Basic Shares Outstanding	6.78M	6.83M	6.89M	6.90M	7.09M	7.13M	7.18M	7.19M	7.18M	7.18M
Adjusted Diluted Earnings per Share	$1.36	$1.27	$1.16	$1.16	$1.16	$1.12	$1.25	$1.33	$1.41	$1.42
Adjusted Weighted Average Diluted Shares Outstanding	6.78M	6.83M	6.89M	6.90M	7.09M	7.13M	7.18M	7.19M	7.18M	7.18M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	6.78M	6.83M	6.89M	6.90M	7.09M	7.13M	7.18M	7.19M	7.18M	7.18M
Normalized Net Operating Profit after Tax (NOPAT)	9.31	8.75	7.99	8.19	8.29	8.02	8.97	9.60	10	10
Normalized NOPAT Margin	32.44%	31.40%	29.71%	31.14%	31.31%	30.49%	32.59%	35.22%	36.02%	36.44%
Pre Tax Income Margin	40.24%	38.83%	36.81%	38.48%	38.55%	37.60%	40.28%	43.16%	44.04%	44.05%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.97	0.87	0.83	0.87	0.95	1.03	1.59	2.44	3.77	6.85
NOPAT to Interest Expense	0.78	0.70	0.67	0.70	0.77	0.84	1.29	1.99	3.08	5.67
EBIT Less CapEx to Interest Expense	0.76	0.84	0.75	0.78	0.84	0.88	1.45	2.18	3.13	6.19
NOPAT Less CapEx to Interest Expense	0.57	0.67	0.59	0.61	0.66	0.68	1.14	1.74	2.44	5.01
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	7.25%	7.35%	7.38%	7.03%	6.56%	6.04%	5.53%	5.32%	5.45%	5.70%
Augmented Payout Ratio	54.89%	57.53%	52.99%	50.81%	20.90%	11.76%	7.96%	6.21%	6.04%	20.22%

Frequently Asked Questions About Red River Bancshares' Financials

When does Red River Bancshares's fiscal year end?

According to the most recent income statement we have on file, Red River Bancshares' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Red River Bancshares' net income changed over the last 2 years?

Red River Bancshares' net income appears to be on a downward trend, with a most recent value of $34.24 million in 2024, falling from $36.92 million in 2022. The previous period was $34.88 million in 2023. Check out Red River Bancshares' forecast to explore projected trends and price targets.

How has Red River Bancshares revenue changed over the last 2 years?

Over the last 2 years, Red River Bancshares' total revenue changed from $105.39 million in 2022 to $109.74 million in 2024, a change of 4.1%.

How much debt does Red River Bancshares have?

Red River Bancshares' total liabilities were at $2.83 billion at the end of 2024, a 0.2% increase from 2023, and a 0.5% increase since 2022.

How much cash does Red River Bancshares have?

In the past 2 years, Red River Bancshares' cash and equivalents has ranged from $30.56 million in 2024 to $53.06 million in 2023, and is currently $30.56 million as of their latest financial filing in 2024.

How has Red River Bancshares' book value per share changed over the last 2 years?

Over the last 2 years, Red River Bancshares' book value per share changed from 36.99 in 2022 to 46.84 in 2024, a change of 26.6%.

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This page (NASDAQ:RRBI) was last updated on 5/24/2025 by MarketBeat.com Staff

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Red River Bancshares (RRBI) Financials

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Red River Bancshares (RRBI) Financials

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