RRBI earnings analysis
What we found in RRBI's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
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.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- 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.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- 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.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $1.81
- Gross margin
- 75.2%
- Operating margin
- 32.1%
What they said about what is next.
Outlook deferred to earnings press release / call.
The filing reads about the same as the one before it.
What came before.
- 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. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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