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Earnings analysis · 10-Q

RRBI earnings analysis

Filed May 7, 2026 · Our reading of the company's report

The latest report

Red River Bancshares, Inc. reported Q1 2026 earnings with a net income of $12.0 million and an EPS of $1.81, exceeding the estimate of $1.68. However, the revenue of $32.9 million missed the forecast of $33.0 million,…

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Red River Bancshares, Inc. reported Q1 2026 earnings with a net income of $12.0 million and an EPS of $1.81, exceeding the estimate of $1.68. However, the revenue of $32.9 million missed the forecast of $33.0 million, indicating a slight shortfall even as operating margins improved.

Read the original on SEC.gov

Gross and operating margin

How much of each revenue dollar the business keeps.

81% Gross margin Operating margin May 2023 May 2026

One point per quarterly or annual filing. Both margins are shares of that report's revenue.

From revenue to operating profit

Where each $100 of revenue went in this report.

Of every $100 of revenue Cost of sales $25 Operating expenses $43 Left as operating profit $32

Cost of sales, operating expenses, and what remained. Figures are rounded to whole dollars.

How we read each report

Our analysis across the last few reports.

Read as bullish Read as bearish Mar 2023 May 2026

Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.

Reported figures

Earnings per share
$1.81

What stood out

  • EPS Beats Expectations

    The reported EPS of $1.81 surpassed the estimated EPS of $1.68 by 7.74%.

  • Revenue Misses Expectations

    Actual revenue was $32.9 million, slightly below the estimated revenue of $33.0 million, resulting in a revenue surprise of -0.27%.

  • Improved Operating Margins

    Operating margin increased to 32.1%, up from 31.0% in the previous quarter.

  • Strong Year-over-Year Growth in EPS

    EPS increased from $1.73 in Q4 2025 to $1.81 in Q1 2026.

  • Maintained High Gross Margin

    Gross margin remained strong at 75.2%, indicating robust cost management.

  • Consistent Cash Flow Generation

    Free cash flow of $9 million reported for Q1 2026, reflecting stable cash generation.

What to watch

  • Operating Expenses Pressure

    Company has faced increasing operating expenses impacting profitability and margins.

  • Legal Proceedings Exposure

    Involvement in various legal matters could materially affect financial results.

  • Market Risk Sensitivity

    The firm identified risks related to interest rate sensitivity which could impact earnings.

Management's outlook

Outlook deferred to earnings press release / call.

Earlier filings 4

10-K · March 13, 2026

Red River Bancshares (RRBI) positions itself as a relationship-driven, Louisiana-focused commercial and retail bank emphasizing organic market share expansion, selective de novo branches/LDPOs and disciplined, targeted…

10-Q · August 8, 2025

Red River Bancshares beat consensus in Q2: revenue of $30,537,000 and diluted EPS of $1.51, up from $26,885,000 and $1.16 in Q2 2024. Net income rose to $10,196,000 and net interest income grew to $25,819,000; deposits…

10-Q · May 9, 2025

Red River Bancshares reported a stronger Q1 (three months ended March 31, 2025) with revenue of $29,882,000 and diluted EPS of $1.52, both up materially year-over-year. Net income rose to $10,352,000 and operating…

10-Q · August 9, 2024

Red River Bancshares reported quarter results driven by higher loan interest income but weaker noninterest and SBIC income. Total quarter revenue (net interest income plus noninterest income) was $26,885,000 and diluted…

This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.