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

FY2025 annual

Revenue $149.9M +9.2% YoY

Net Income $42.8M +24.9% YoY

EPS (Diluted) $6.38 +28.9% YoY

Free Cash Flow $42.2M +26.4% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Red River Bancshares (RRBI) reported $149.9M in revenue for fiscal year 2025, up 9.2% from the prior fiscal year. This page shows its 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 Health Score 55/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Red River Bancshares, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

6/6

Red River Bancshares passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 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.

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.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

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

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

RRBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RRBI annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Revenue	$155.8M	$149.9M+9.2%	$137.2M+15.7%	$118.6M+25.6%	$94.4M+22.0%	$77.3M-0.1%	$77.4M+5.0%	$73.7M+10.2%	$66.9M
SG&A Expenses	$50.0M	$41.7M+8.0%	$38.6M+3.7%	$37.2M+7.8%	$34.6M+6.5%	$32.4M+4.1%	$31.2M+12.1%	$27.8M+6.5%	$26.1M
Interest Expense	$43.3M	$44.3M-7.5%	$47.9M+49.2%	$32.1M+315.3%	$7.7M+37.7%	$5.6M-33.0%	$8.4M-16.9%	$10.1M+31.9%	$7.6M
Income Tax	$11.2M	$10.4M+27.2%	$8.1M+1.0%	$8.1M0.0%	$8.1M+13.5%	$7.1M+12.4%	$6.3M+12.1%	$5.6M+6.4%	$5.3M
Net Income	$46.0M	$42.8M+24.9%	$34.2M-1.8%	$34.9M-5.5%	$36.9M+12.0%	$33.0M+17.1%	$28.1M+13.4%	$24.8M+7.7%	$23.1M
EPS (Diluted)	$6.95	$6.38+28.9%	$4.95+1.9%	$4.86-5.3%	$5.13+13.7%	$4.51+17.8%	$3.83+9.7%	$3.49+2.3%	$3.41

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$39.3M+0.5%	$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
SG&A Expenses	$10.7M+1.8%	$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
Interest Expense	$10.4M-3.6%	$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
Income Tax	$2.9M-2.0%	$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
Net Income	$11.8M-1.7%	$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
EPS (Diluted)	$1.78-1.7%	$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

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

RRBI Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RRBI annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Total Assets	$3.4B+6.4%	$3.1B+0.7%	$3.1B+1.5%	$3.1B-4.4%	$3.2B+22.0%	$2.6B+32.9%	$2.0B+6.9%	$1.9B
Cash & Equivalents	$213.4M-20.7%	$269.0M-11.9%	$305.4M+9.7%	$278.4M-64.5%	$784.9M+75.5%	$447.2M+235.5%	$133.3M-12.3%	$151.9M
Total Liabilities	$3.0B+5.5%	$2.8B+0.2%	$2.8B+0.3%	$2.8B-3.7%	$2.9B+24.2%	$2.4B+35.8%	$1.7B+4.2%	$1.7B
Total Equity	$365.1M+14.2%	$319.7M+5.2%	$303.9M+14.3%	$265.8M-10.9%	$298.1M+4.4%	$285.5M+13.3%	$251.9M+30.0%	$193.7M
Retained Earnings	$377.7M+11.6%	$338.6M+10.3%	$306.8M+11.7%	$274.8M+14.6%	$239.9M+14.8%	$209.0M+14.5%	$182.6M+14.8%	$159.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$3.3B-1.1%	$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
Cash & Equivalents	$195.4M-7.2%	$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
Total Liabilities	$2.9B-1.6%	$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
Total Equity	$384.6M+3.0%	$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
Retained Earnings	$398.2M+2.6%	$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

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

RRBI Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RRBI annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Operating Cash Flow	$56.3M	$44.8M+17.0%	$38.3M-4.6%	$40.1M-12.5%	$45.9M-26.3%	$62.3M+386.5%	$12.8M-51.6%	$26.4M+1.6%	$26.0M
Capital Expenditures	$5.2M	$2.6M-47.1%	$4.9M-0.8%	$4.9M-41.8%	$8.4M+146.4%	$3.4M-51.3%	$7.0M+86.5%	$3.8M-30.6%	$5.4M
Free Cash Flow	$51.1M	$42.2M+26.4%	$33.4M-5.1%	$35.2M-6.0%	$37.4M-36.4%	$58.8M+920.9%	$5.8M-74.6%	$22.7M+10.1%	$20.6M
Investing Cash Flow	-$155.2M	-$244.0M-312.5%	-$59.2M-576.8%	-$8.7M+98.0%	-$438.7M-54.1%	-$284.7M+10.0%	-$316.3M-134.6%	-$134.8M-183.0%	-$47.6M
Financing Cash Flow	$83.9M	$143.7M+1022.5%	-$15.6M-259.2%	-$4.3M+96.2%	-$113.6M-120.3%	$560.1M-9.3%	$617.4M+587.8%	$89.8M-21.2%	$113.9M
Dividends Paid	$5.3M	$3.6M+44.5%	$2.5M+8.5%	$2.3M+13.8%	$2.0M-1.1%	$2.0M+15.6%	$1.8M+32.7%	$1.3M+31.4%	$1.0M
Share Buybacks	N/A	$11.1M-32.2%	$16.3M+226.2%	$5.0M+2193.1%	$218K-97.2%	$7.9M+6357.4%	$122K	$0-100.0%	$4.6M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$12.3M-27.5%	$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
Capital Expenditures	$1.2M-38.6%	$1.9M+40.1%	$1.4M+109.3%	$664K+148.7%	$267K+3.5%	$258K-89.5%	$2.5M+522.5%	$395K
Free Cash Flow	$11.1M-26.0%	$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
Investing Cash Flow	$15.1M+2349.0%	-$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
Financing Cash Flow	-$42.5M-122.3%	-$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
Dividends Paid	$1.6M+0.1%	$1.6M+66.7%	$986K-0.1%	$987K+23.2%	$801K-1.5%	$813K+33.3%	$610K-0.8%	$615K
Share Buybacks	N/A	N/A	$0-100.0%	$5.3M-7.9%	$5.8M	$0-100.0%	$2.5M-15.8%	$3.0M

RRBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

RRBI annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Net Margin	28.5%+3.6pp	24.9%-4.5pp	29.4%-9.7pp	39.1%-3.5pp	42.6%+6.2pp	36.4%+2.7pp	33.7%-0.8pp	34.5%
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%0.0pp	9.8%-2.0pp	11.9%
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%-0.2pp	1.3%0.0pp	1.2%
Debt-to-Equity	8.18-0.7x	8.85-0.4x	9.30-1.3x	10.60+0.8x	9.82+1.6x	8.26+1.4x	6.89-1.7x	8.61
FCF Margin	28.2%+3.8pp	24.3%-5.3pp	29.7%-10.0pp	39.6%-36.4pp	76.1%+68.6pp	7.4%-23.3pp	30.8%0.0pp	30.8%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	29.9%-0.7pp	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%
Return on Equity	3.1%-0.1pp	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%
Return on Assets	0.4%0.0pp	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%
Debt-to-Equity	7.61-0.4x	7.96-0.2x	8.180.0x	8.15-0.3x	8.45-0.1x	8.56-0.3x	8.85+0.3x	8.56
FCF Margin	28.2%-10.1pp	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%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Red River Bancshares Ranks

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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.