Red River Bancshares combines a golden-cross breakout, a perfect earnings beat streak, and modest insider buying, but with the analyst target already reached and a negative risk-adjusted asymmetry ratio, the setup favors holding the existing position rather than adding.
Thesis pillars
- Golden Cross Breakout Momentum→Stable
- Earnings Beat Streak Into Catalyst→Stable
- Insider Buying Signal→Stable
- +1 more pillar — see the Why tab for full reasoning
Red River Bancshares, Inc. (RRBI) Stock Analysis
Breakout setup · Catalyst-Driven edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $95.42, but acceptable to hold if already in. Reasons: Single-region cliff: 94% exposure to Louisiana (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Louisiana (94.4%).
Red River Bancshares is a Louisiana bank holding company operating Red River Bank, the sixth-largest financial institution headquartered in Louisiana, through 28 banking centers and two loan production offices across seven Louisiana markets. As of December 31, 2025, the bank... Read more
Hold if already holding. Not a fresh buy at $95.42, but acceptable to hold if already in. Reasons: Single-region cliff: 94% exposure to Louisiana (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Louisiana (94.4%). Chart setup: Golden cross, above all MAs, RSI 68, MACD bullish. Maintain position. Not compelling to add more. Score 6.4/10, moderate confidence.
Passes 6/9 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 22d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: aggressive.
About Red River Bancshares, Inc.
About Red River Bancshares, Inc.
Red River Bancshares operated 28 banking centers and two loan production offices across seven Louisiana markets as of December 31, 2025, holding $3.35 billion in total assets, $2.25 billion in loans held for investment, and $2.96 billion in deposits as the sixth-largest financial institution headquartered in the state. Real estate-secured loans made up 78.7% of the loan book, with owner-occupied and non-owner-occupied commercial real estate each contributing roughly 20% and one-to-four family residential loans another 28.0%.
Red River Bank lends primarily to small and medium-sized businesses, professionals, and individual consumers, with commercial and industrial loans backed mostly by movable business assets at 17.5% of loans held for investment, tax-exempt loans to Louisiana political subdivisions at 2.6%, and consumer loans at 1.2%. The bank funds itself through core deposits gathered from individuals, partnerships, corporations, and public entities in its market areas rather than brokered deposits, supplemented by treasury management services for business clients and a private banking group for high-net-worth individuals. A partnership with LPL Financial gives the bank's investment executives access to brokerage products, and as of December 31, 2025 the investment group held $1.33 billion of assets under management. The bank has completed two whole-bank acquisitions since inception and continues to pursue organic de novo expansion into new Louisiana markets, most recently opening a loan production office in Lafayette in the third quarter of 2025.
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Red River Bank's loan book is concentrated almost entirely in one state: 94.4% of loans held for investment were made to borrowers who reside or conduct business in Louisiana, and substantially all real estate collateral securing those loans sits in the state, leaving the bank directly exposed to Louisiana-specific risks such as hurricanes and energy-sector volatility. Within that footprint, health care loans - $194.3 million, or 8.6% of loans held for investment - represent the bank's largest single industry concentration, followed by $27.7 million of direct energy-sector loans that the 10-K flags as sensitive to oil and gas price swings, particularly given Louisiana's broader economic dependence on the energy industry.
See also: Financial Services · Banks - Regional
From Red River Bancshares, Inc.'s most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-07-08Recent Developments — Red River Bancshares, Inc.
Latest news
- NEWS Raymond James Assumes Red River Bancshares to Market Perform — benzinga Jul 1, 2026 neutral
Generated 2026-07-08T23:03:59Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Concentration Risks(10-K Item 1A)
- HIGHGeographicLouisiana94%10-K Item 1A: 'As of December 31, 2025, 94.4% of loans HFI were made to borrowers who reside or conduct business in Louisiana, and substantially all of our real estate loans are secured by properties located in Louisiana.'
- MEDIUMloan_portfolioCRE-related loans30%10-K Item 1A: 'our construction and development loans, non-owner occupied CRE loans, and non-real estate secured loans financing CRE activities totaled $683.3 million, or 30.4% of loans HFI.'
- LOWloan_portfolioHealth care loans8.6%10-K Item 1A: 'Health care loans, which were $194.3 million, or 8.6% of loans HFI as of December 31, 2025, are our largest industry concentration.'
Material Events(8-K, last 90d)
- 2026-05-28Item 5.02LOWBoard appointed A. Peyton Bush, IV and R. Chance DeWitt, M.D. as directors effective May 28, 2026, to stand for election at the 2027 annual meeting; both also joined the Directors' Loan Committee. Routine board appointment.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $95.42, but acceptable to hold if already in. Reasons: Single-region cliff: 94% exposure to Louisiana (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Louisiana (94.4%). Chart setup: Golden cross, above all MAs, RSI 68, MACD bullish. Maintain position. Not compelling to add more. Target $96.59 (+1.2%), stop $90.68 (−5.2%), A.R:R -1.3:1. Score 6.4/10, moderate confidence.
Take-profit target: $96.59 (+1.2% upside). Target $96.59 (+1.2%), stop $90.68 (−5.2%), A.R:R -1.3:1. Stop-loss: $90.68.
Single-region cliff: 94% exposure to Louisiana (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Louisiana (94.4%); Analyst target reached - limited upside remaining.
Red River Bancshares, Inc. trades at a P/E of 14.6 (forward 12.7). TrendMatrix value score: 8.3/10. Verdict: Hold.
9 analysts cover RRBI with a consensus score of 4.1/5. Average price target: $100.
What does Red River Bancshares, Inc. do?Red River Bancshares is a Louisiana bank holding company operating Red River Bank, the sixth-largest financial...
Red River Bancshares is a Louisiana bank holding company operating Red River Bank, the sixth-largest financial institution headquartered in Louisiana, through 28 banking centers and two loan production offices across seven Louisiana markets. As of December 31, 2025, the bank held $3.35 billion in total assets, $2.25 billion in loans held for investment, and $2.96 billion in deposits, with a loan book concentrated in commercial real estate, one-to-four family residential, and commercial and industrial lending to small and medium-sized businesses.