RED RIVER BANCSHARES INC
RRBIdata completeness 88%8 fiscal years on fileData notes: no data for concept 'totalDebt'
RED RIVER BANCSHARES INC earns about 12% on equity, comfortably above its ~9% cost of capital, and has bought back 8% of its shares over 5 years — the marks of a durable business run for its owners. The estimate methods put fair value between $53.9 and $106.82 a share.Whether it’s worth owning at today’s price is the last question — and yours to answer, below.
| Figure | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Revenue | $77.3M1 | $94.4M2 | $118.6M3 | $137.2M3 | $149.9M3 |
| Net income | $33M4 | $36.9M5 | $34.9M6 | $34.2M6 | $42.8M6 |
| Operating cash flow | $62.3M7 | $45.9M8 | $40.1M9 | $38.3M9 | $44.8M9 |
| Capital expenditure | $3.43M10 | $8.44M11 | $4.92M12 | $4.88M12 | $2.58M12 |
| Free cash flow (derived) | $58.8M7 | $37.4M8 | $35.2M9 | $33.4M9 | $42.2M9 |
| Total debt | — | — | — | — | — |
| Cash & equivalents | $784.9M13 | $278.4M14 | $305.4M15 | $269M16 | $213.4M16 |
| Diluted shares | 7.3M | 7.2M | 7.2M | 6.9M | 6.7M |
Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom).
10 shares is a claim on $544.58 of net worth that earned you $63.78 and generated $62.95 of cash last year.
It earned about 12% on equity against a ~9% cost of capital — comfortably above the cost of funding, a moderate advantage.
seeing a moat in the numbers →Share count is down 8% over 5 years — management has been buying back stock, quietly handing owners a bigger slice.
reading capital allocation →Signals, not verdicts — read from the filings above. Numbers don’t prove a moat; they show its footprint. You decide.
The 3 estimate methods that apply put fair value between $53.9 and $106.82 a share. They rest on different assumptions, so where they diverge is the story; the Graham Number is a stricter floor, not a target.
assumptions (10)
- riskFreeRate4.7%
- equityRiskPremium5.0%
- beta100.0%
- equityWeight85.0%
- costOfDebtSpread1.5%
- taxRate21.0%
- terminalGrowth2.5%
- projectionYears10
- fcfGrowth0.0%
- fcfBase$35.2M
assumptions (10)
- riskFreeRate4.7%
- equityRiskPremium5.0%
- beta100.0%
- equityWeight85.0%
- costOfDebtSpread1.5%
- taxRate21.0%
- terminalGrowth2.5%
- projectionYears5
- fcfGrowth0.0%
- fcfBase$35.2M
assumptions (8)
- riskFreeRate4.7%
- equityRiskPremium5.0%
- beta100.0%
- equityWeight85.0%
- costOfDebtSpread1.5%
- taxRate21.0%
- normalizedEarnings$34.9M
- growthAssumed0.0%
assumptions (1)
- grahamMultiplier2250.0%
Different models answer different questions — which to trust when →
| Bear | 0.0% | $106.82 |
| Base | 0.0% | $106.82 |
| Bull | 5.0% | $124.97 |
Bear/base/bull growth = 0% / filed history / history + 5pp. Type a price to see the return each case implies.
Default growth 0.0%= this company’s own filed history (median-to-median FCF CAGR, clamped 0–20%). Your adjustments are recorded anonymously. They become the “what do owners actually believe” dataset.
- 10-K · period ending 2021-12-31 · accession 0001071236-24-000035 (InterestAndDividendIncomeOperating)
- 10-K · period ending 2022-12-31 · accession 0001071236-25-000026 (InterestAndDividendIncomeOperating)
- 10-K · period ending 2023-12-31 · accession 0001071236-26-000027 (InterestAndDividendIncomeOperating)
- 10-K · period ending 2021-12-31 · accession 0001071236-24-000035 (NetIncomeLoss)
- 10-K · period ending 2022-12-31 · accession 0001071236-25-000026 (NetIncomeLoss)
- 10-K · period ending 2023-12-31 · accession 0001071236-26-000027 (NetIncomeLoss)
- 10-K · period ending 2021-12-31 · accession 0001071236-24-000035 (NetCashProvidedByUsedInOperatingActivities)
- 10-K · period ending 2022-12-31 · accession 0001071236-25-000026 (NetCashProvidedByUsedInOperatingActivities)
- 10-K · period ending 2023-12-31 · accession 0001071236-26-000027 (NetCashProvidedByUsedInOperatingActivities)
- 10-K · period ending 2021-12-31 · accession 0001071236-24-000035 (PaymentsToAcquirePropertyPlantAndEquipment)
- 10-K · period ending 2022-12-31 · accession 0001071236-25-000026 (PaymentsToAcquirePropertyPlantAndEquipment)
- 10-K · period ending 2023-12-31 · accession 0001071236-26-000027 (PaymentsToAcquirePropertyPlantAndEquipment)
- 10-K · period ending 2021-12-31 · accession 0001071236-23-000023 (CashAndCashEquivalentsAtCarryingValue)
- 10-K · period ending 2022-12-31 · accession 0001071236-24-000035 (CashAndCashEquivalentsAtCarryingValue)
- 10-K · period ending 2023-12-31 · accession 0001071236-25-000026 (CashAndCashEquivalentsAtCarryingValue)
- 10-K · period ending 2024-12-31 · accession 0001071236-26-000027 (CashAndCashEquivalentsAtCarryingValue)