What is Red River Bancshares's earnings per share (EPS)?

Red River Bancshares (RRBI) reported diluted earnings per share of $6.38 for fiscal year 2025. This represents a 28.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Red River Bancshares Financials

RRBI

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Red River Bancshares (RRBI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI RRBI FY2025 2026-05-08

Asset-heavy earning power and strong cash conversion define this bank, where profit growth needs little physical reinvestment.

Debt-to-equity moved down to 8.2x while return on assets reached 1.3%, a useful pairing because it implies the latest profit improvement came from better asset productivity rather than simply leaning harder on leverage. Operating cash flow of $44.8M and free cash flow of $42.2M stayed very close, so little cash was being consumed by capital spending and reported earnings were largely turning into liquidity.

The cash balance fell from $305M to $213M even as assets kept expanding, which is what balance-sheet deployment looks like when funds are being put to work instead of held idle. That reading is reinforced by investing outflows of $244M alongside financing inflows of $144M, showing recent growth was funded through the liability side rather than only from retained cash.

Share count dropped from 7.1M to 6.6M, so EPS can rise faster than net income even without a dramatic change in the underlying earnings pool. The dividend reached $0.54 a share while equity still rose to $365M, indicating capital returns did not prevent the bank from continuing to build book capital.

Financial Health Signals

Financial Profile 31/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Red River Bancshares's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Red River Bancshares's revenue grew 9.2% year-over-year to $149.9M, a solid pace of expansion. This earns a growth score of 54/100.

Leverage

Red River Bancshares has elevated debt relative to equity (D/E of 8.18), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Red River Bancshares converts 28.2% of revenue into free cash flow ($42.2M). This strong cash generation earns a score of 93/100.

Returns

Red River Bancshares's ROE of 11.7% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 10.7% the prior year.

Piotroski F-Score Neutral

6/9

Red River Bancshares passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.05x

For every $1 of reported earnings, Red River Bancshares generates $1.05 in operating cash flow ($44.8M OCF vs $42.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$149.9M

YoY+9.2%

5Y CAGR+14.1%

Red River Bancshares generated $149.9M in revenue in fiscal year 2025. This represents an increase of 9.2% from the prior year.

EBITDA

N/A

Net Income

$42.8M

YoY+24.9%

5Y CAGR+8.7%

Red River Bancshares reported $42.8M in net income in fiscal year 2025. This represents an increase of 24.9% from the prior year.

EPS (Diluted)

$6.38

YoY+28.9%

5Y CAGR+10.7%

Red River Bancshares earned $6.38 per diluted share (EPS) in fiscal year 2025. This represents an increase of 28.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$42.2M

YoY+26.4%

5Y CAGR+48.9%

Red River Bancshares generated $42.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 26.4% from the prior year.

Cash & Debt

$213.4M

YoY-20.7%

5Y CAGR-13.8%

Red River Bancshares held $213.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.54

YoY+50.0%

5Y CAGR+17.6%

Red River Bancshares paid $0.54 per share in dividends in fiscal year 2025. This represents an increase of 50.0% from the prior year.

Shares Outstanding

YoY-3.0%

5Y CAGR-2.1%

Red River Bancshares had 7M shares outstanding in fiscal year 2025. This represents a decrease of 3.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

28.5%

YoY+3.6pp

5Y CAGR-7.8pp

Red River Bancshares's net profit margin was 28.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.6 percentage points from the prior year.

Return on Equity

11.7%

YoY+1.0pp

5Y CAGR+1.9pp

Red River Bancshares's ROE was 11.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$11.1M

YoY-32.2%

5Y CAGR+146.3%

Red River Bancshares spent $11.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 32.2% from the prior year.

Capital Expenditures

$2.6M

YoY-47.1%

5Y CAGR-18.2%

Red River Bancshares invested $2.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 47.1% from the prior year.

RRBI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$149.9M+9.2%	$137.2M+15.7%	$118.6M+25.6%	$94.4M+22.0%	$77.3M-0.1%	$77.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$41.7M+8.0%	$38.6M+3.7%	$37.2M+7.8%	$34.6M+6.5%	$32.4M+4.1%	$31.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$44.3M-7.5%	$47.9M+49.2%	$32.1M+315.3%	$7.7M+37.7%	$5.6M-33.0%	$8.4M
Income Tax	$10.4M+27.2%	$8.1M+1.0%	$8.1M0.0%	$8.1M+13.5%	$7.1M+12.4%	$6.3M
Net Income	$42.8M+24.9%	$34.2M-1.8%	$34.9M-5.5%	$36.9M+12.0%	$33.0M+17.1%	$28.1M
EPS (Diluted)	$6.38+28.9%	$4.95+1.9%	$4.86-5.3%	$5.13+13.7%	$4.51+17.8%	$3.83

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$39.1M-0.1%	$39.2M+2.8%	$38.1M+3.9%	$36.7M+2.6%	$35.8M+0.5%	$35.6M+2.1%	$34.9M+3.6%	$33.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$10.5M-42.4%	$18.3M+73.6%	$10.5M+2.9%	$10.2M+1.9%	$10.0M-40.5%	$16.8M+73.6%	$9.7M+1.0%	$9.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$10.7M-2.0%	$11.0M-2.7%	$11.3M+3.2%	$10.9M-2.6%	$11.2M-6.2%	$11.9M-4.0%	$12.4M+4.6%	$11.9M
Income Tax	$3.0M+6.9%	$2.8M+7.9%	$2.6M+1.9%	$2.5M+1.3%	$2.5M+11.4%	$2.2M+8.0%	$2.1M+8.4%	$1.9M
Net Income	$12.0M+4.9%	$11.4M+5.7%	$10.8M+5.9%	$10.2M-1.5%	$10.4M+11.2%	$9.3M+6.3%	$8.8M+9.6%	$8.0M
EPS (Diluted)	$1.81+4.6%	$1.73+6.1%	$1.63+7.9%	$1.51-0.7%	$1.52+10.9%	$1.37+7.9%	$1.27+9.5%	$1.16

RRBI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.4B+6.4%	$3.1B+0.7%	$3.1B+1.5%	$3.1B-4.4%	$3.2B+22.0%	$2.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$213.4M-20.7%	$269.0M-11.9%	$305.4M+9.7%	$278.4M-64.5%	$784.9M+75.5%	$447.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$3.0B+5.5%	$2.8B+0.2%	$2.8B+0.3%	$2.8B-3.7%	$2.9B+24.2%	$2.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$365.1M+14.2%	$319.7M+5.2%	$303.9M+14.3%	$265.8M-10.9%	$298.1M+4.4%	$285.5M
Retained Earnings	$377.7M+11.6%	$338.6M+10.3%	$306.8M+11.7%	$274.8M+14.6%	$239.9M+14.8%	$209.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.3B-0.1%	$3.4B+4.2%	$3.2B+1.5%	$3.2B-0.6%	$3.2B+1.2%	$3.1B+1.5%	$3.1B+1.7%	$3.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$210.5M-1.3%	$213.4M+32.5%	$161.1M-23.5%	$210.4M-16.5%	$252.2M-6.3%	$269.0M+15.6%	$232.6M+9.2%	$213.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$3.0B-0.4%	$3.0B+4.3%	$2.9B+1.1%	$2.8B-0.7%	$2.9B+0.8%	$2.8B+1.9%	$2.8B+1.3%	$2.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$373.3M+2.2%	$365.1M+3.9%	$351.3M+4.8%	$335.4M+0.6%	$333.3M+4.2%	$319.7M-1.4%	$324.3M+5.6%	$307.0M
Retained Earnings	$388.1M+2.7%	$377.7M+2.8%	$367.3M+2.7%	$357.5M+2.7%	$348.1M+2.8%	$338.6M+2.6%	$329.9M+2.5%	$321.7M

RRBI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$44.8M+17.0%	$38.3M-4.6%	$40.1M-12.5%	$45.9M-26.3%	$62.3M+386.5%	$12.8M
Capital Expenditures	$2.6M-47.1%	$4.9M-0.8%	$4.9M-41.8%	$8.4M+146.4%	$3.4M-51.3%	$7.0M
Free Cash Flow	$42.2M+26.4%	$33.4M-5.1%	$35.2M-6.0%	$37.4M-36.4%	$58.8M+920.9%	$5.8M
Investing Cash Flow	-$244.0M-312.5%	-$59.2M-576.8%	-$8.7M+98.0%	-$438.7M-54.1%	-$284.7M+10.0%	-$316.3M
Financing Cash Flow	$143.7M+1022.5%	-$15.6M-259.2%	-$4.3M+96.2%	-$113.6M-120.3%	$560.1M-9.3%	$617.4M
Dividends Paid	$3.6M+44.5%	$2.5M+8.5%	$2.3M+13.8%	$2.0M-1.1%	$2.0M+15.6%	$1.8M
Share Buybacks	$11.1M-32.2%	$16.3M+226.2%	$5.0M+2193.1%	$218K-97.2%	$7.9M+6357.4%	$122K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$16.9M+59.8%	$10.6M-35.8%	$16.5M+334.4%	$3.8M-72.7%	$13.9M+242.0%	$4.1M-76.6%	$17.4M+620.4%	$2.4M
Capital Expenditures	$1.9M+40.1%	$1.4M+109.3%	$664K+148.7%	$267K+3.5%	$258K-89.5%	$2.5M+522.5%	$395K-59.4%	$973K
Free Cash Flow	$15.0M+62.8%	$9.2M-41.9%	$15.8M+348.5%	$3.5M-74.2%	$13.7M+748.7%	$1.6M-90.5%	$17.0M+1079.8%	$1.4M
Investing Cash Flow	-$672K+99.2%	-$81.9M+6.7%	-$87.8M-267.5%	-$23.9M+52.7%	-$50.5M-123.6%	-$22.6M+8.5%	-$24.7M-314.8%	$11.5M
Financing Cash Flow	-$19.1M-115.5%	$123.6M+464.8%	$21.9M+201.2%	-$21.6M-209.5%	$19.8M-64.0%	$54.8M+104.2%	$26.9M+187.7%	-$30.6M
Dividends Paid	$1.6M+66.7%	$986K-0.1%	$987K+23.2%	$801K-1.5%	$813K+33.3%	$610K-0.8%	$615K-0.8%	$620K
Share Buybacks	N/A	$0-100.0%	$5.3M-7.9%	$5.8M	$0-100.0%	$2.5M-15.8%	$3.0M+294.1%	$764K

RRBI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.5%+3.6pp	24.9%-4.5pp	29.4%-9.7pp	39.1%-3.5pp	42.6%+6.2pp	36.4%
Return on Equity	11.7%+1.0pp	10.7%-0.8pp	11.5%-2.4pp	13.9%+2.8pp	11.1%+1.2pp	9.9%
Return on Assets	1.3%+0.2pp	1.1%-0.0pp	1.1%-0.1pp	1.2%+0.2pp	1.0%-0.0pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.18-0.7	8.85-0.4	9.30-1.3	10.60+0.8	9.82+1.6	8.26
FCF Margin	28.2%+3.8pp	24.3%-5.3pp	29.7%-10.0pp	39.6%-36.4pp	76.1%+68.6pp	7.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	30.6%+1.5pp	29.1%+0.8pp	28.3%+0.6pp	27.8%-1.2pp	28.9%+2.8pp	26.1%+1.0pp	25.1%+1.4pp	23.7%
Return on Equity	3.2%+0.1pp	3.1%+0.1pp	3.1%+0.0pp	3.0%-0.1pp	3.1%+0.2pp	2.9%+0.2pp	2.7%+0.1pp	2.6%
Return on Assets	0.4%+0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.96-0.2	8.18+0.0	8.15-0.3	8.45-0.1	8.56-0.3	8.85+0.3	8.56-0.4	8.93
FCF Margin	38.3%+14.8pp	23.5%-18.0pp	41.5%+31.9pp	9.6%-28.5pp	38.1%+33.6pp	4.5%-44.2pp	48.7%+44.4pp	4.3%

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Frequently Asked Questions

What is Red River Bancshares's annual revenue?

Red River Bancshares (RRBI) reported $149.9M in total revenue for fiscal year 2025. This represents a 9.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Red River Bancshares's revenue growing?

Red River Bancshares (RRBI) revenue grew by 9.2% year-over-year, from $137.2M to $149.9M in fiscal year 2025.

Is Red River Bancshares profitable?

Yes, Red River Bancshares (RRBI) reported a net income of $42.8M in fiscal year 2025, with a net profit margin of 28.5%.

What is Red River Bancshares's net profit margin?

Red River Bancshares (RRBI) had a net profit margin of 28.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Red River Bancshares pay dividends?

Yes, Red River Bancshares (RRBI) paid $0.54 per share in dividends during fiscal year 2025.

What is Red River Bancshares's return on equity (ROE)?

Red River Bancshares (RRBI) has a return on equity of 11.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Red River Bancshares's free cash flow?

Red River Bancshares (RRBI) generated $42.2M in free cash flow during fiscal year 2025. This represents a 26.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Red River Bancshares's operating cash flow?

Red River Bancshares (RRBI) generated $44.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Red River Bancshares's total assets?

Red River Bancshares (RRBI) had $3.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Red River Bancshares's capital expenditures?

Red River Bancshares (RRBI) invested $2.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Red River Bancshares buy back shares?

Yes, Red River Bancshares (RRBI) spent $11.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Red River Bancshares have outstanding?

Red River Bancshares (RRBI) had 7M shares outstanding as of fiscal year 2025.

What is Red River Bancshares's debt-to-equity ratio?

Red River Bancshares (RRBI) had a debt-to-equity ratio of 8.18 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Red River Bancshares's return on assets (ROA)?

Red River Bancshares (RRBI) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Red River Bancshares's Piotroski F-Score?

Red River Bancshares (RRBI) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Red River Bancshares's earnings high quality?

Red River Bancshares (RRBI) has an earnings quality ratio of 1.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Red River Bancshares?

Red River Bancshares (RRBI) scores 31 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.