The EPS beat and dividend hike are positive, but the beat was partly one-time ($0.07 EPS from vendor refunds). Watch for loan growth reacceleration in Q2 and any impact from geopolitical uncertainty on credit quality. The $10M buyback authorization provides downside support.
Price Chart
Executive Summary
Red River Bancshares reported Q1 2026 EPS of $1.81, beating the $1.68 consensus by 7.7%, and net income of $12.0M (+15.6% YoY). The beat was partly driven by $590K in one-time vendor rebates/refunds that reduced operating expenses; core earnings were solid but not as strong as the headline suggests. The 66.7% dividend increase to $0.25/share signals confidence, but loan growth was flat QoQ and management flagged geopolitical uncertainty as a risk.
Key Financial Metrics
Key Facts
- Q1 2026 EPS $1.81 vs consensus $1.68 (beat by 7.7%)
- Net income $12.0M, up 4.9% QoQ and 15.6% YoY
- Quarterly cash dividend increased 66.7% to $0.25/share
- Net interest margin FTE stable at 3.51% QoQ
- Loans HFI flat at $2.25B; deposits down 0.6% QoQ due to seasonal public fund outflows
- Nonperforming assets rose 20.6% QoQ to $4.3M (still low at 0.13% of assets)
- Operating expenses fell 5.5% QoQ, partly due to $590K in one-time vendor rebates/refunds
- Management expects loan growth to resume in H2 2026; cautious on geopolitical risks
Financial Impact
EPS beat of $0.13 vs consensus; dividend increase adds ~$1.6M annual cash outflow
Risk Factors
- Flat loan growth QoQ; pipeline may not materialize as expected
- Geopolitical uncertainty (Iran) could pressure energy prices and regional economy
- NPAs increased 20.6% QoQ; credit quality needs monitoring
- One-time items boosted earnings; core earnings growth may be slower
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3284863 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 3, 2026 7w ago | 8-K | $103.49 | awaiting T+60 | — | $103.43 (−0.06%) |
Jul 30, 2026 12w ago | 8-K | $98.51 $103.27 | ▲ +4.83% | ▲ +2.37% | $103.43 (+4.99%) |
Jun 19, 2026 18w ago | Institutional Cluster | $89.02 $102.91 | ▲ +15.60% | ▲ +13.86% | $103.43 (+16.19%) |
May 28, 2026 21w ago | 8-K | $90.92 $101.31 | ▲ +11.43% | ▲ +10.24% | $103.43 (+13.76%) |
May 28, 2026 21w ago | 8-K | $90.92 $101.31 | ▲ +11.43% | ▲ +10.24% | $103.43 (+13.76%) |
Apr 30, 2026 25w ago | 8-K | $90.73 $99.72 | ▲ +9.91% | ▲ +6.80% | $103.43 (+14.00%) |
Apr 30, 2026 25w ago | Press Release | $90.73 $99.72 | ▲ +9.91% | ▲ +6.80% | $103.43 (+14.00%) |
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