A

Red River Bancshares, Inc. — Earnings Quality Grade A

RRBI · Financial Services

Strong financial health

Revenue
$124M
2025
Net Income
$43M
2025
Gross Margin
Free Cash Flow
$42M
01

Screening Summary

12
Passed
0
Watch
0
Failed
M-Score

Management Signals

View all →
Routine2026-05-28
Peyton Bush · directorResignation
SEC

Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 33 days, change -1 days YoY

A2AR vs Revenue Growth

AR growth 10.8% vs revenue growth 14.3%

A3Revenue vs CFFO

Revenue 14.3%, CFFO 17.0%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth -47.1% vs revenue 14.3%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.05. Profits backed by cash

C2Free Cash Flow

FCF $0.0B, FCF/NI = 0.99

C3Accruals Ratio

Accruals ratio = -0.1%. Low accruals

C4Cash vs Debt

Cash $0.2B covers debt $0.0B

04

Balance Sheet Health

D1Goodwill + Intangibles

No goodwill. Clean balance sheet

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

No goodwill

06

Manipulation Score

F1Beneish M-Score

Insufficient data

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Altman Z-Score — Not Applicable

Red River Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25