Demonstrações financeiras detalhadas de Red River Bancshares, Inc. (RRBI): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Red River Bancshares, Inc. registou receitas de $169.8M no último exercício, com um CAGR de 5 anos de 11.3%. O lucro líquido atingiu $42.8M, com CAGR de 5 anos de 8.7%.
Margens dos últimos 12 meses: margem bruta 73.5%, margem operacional 32.7%, margem líquida 26.3%. O fluxo de caixa livre cresceu a CAGR de 48.9% em 5 anos.
Ao preço atual de $101.75, RRBI negocia a um P/L de 14.55 e um ROE de 12.47%. A capitalização de mercado é de $670M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $68.2M | $70.1M | $80.6M | $88.5M | $99.5M | $100.8M | $112.5M | $138.7M | $156.8M | $169.8M |
| Custo da Receita | 0 | $8.1M | $9.6M | $11.9M | $14.7M | $7.5M | $9.5M | $32.9M | $49.1M | $46.6M |
| Lucro Bruto | $68.2M | $61.9M | $70.9M | $76.7M | $84.8M | $93.3M | $103.0M | $105.8M | $107.6M | $123.2M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $28.7M | $24.5M | $26.9M | $28.8M | $32.1M | $33.4M | $35.7M | $38.5M | $40.0M | $48.8M |
| Despesas Operacionais | $28.7M | $39.4M | $42.6M | $46.2M | $50.4M | $53.2M | $58.0M | $62.9M | $65.3M | $70.1M |
| Lucro Operacional | $31.3M | $22.5M | $28.4M | $30.5M | $34.5M | $40.1M | $45.0M | $42.9M | $42.4M | $53.1M |
| EBITDA | $26.1M | $24.6M | $30.4M | $32.8M | $36.9M | $42.6M | $47.6M | $45.7M | $45.6M | $56.7M |
| Despesas com Juros | 0 | $6.6M | $7.6M | $10.1M | $8.4M | $5.6M | $7.7M | $32.1M | $47.9M | $44.3M |
| Lucro Antes de Impostos | $20.7M | $22.5M | $28.4M | $30.5M | $34.5M | $40.1M | $45.0M | $42.9M | $42.4M | $53.1M |
| Imposto | $5.6M | $8.5M | $5.3M | $5.6M | $6.3M | $7.1M | $8.1M | $8.1M | $8.1M | $10.4M |
| Lucro Líquido | $15.1M | $14.0M | $23.1M | $24.8M | $28.1M | $33.0M | $36.9M | $34.9M | $34.2M | $42.8M |
| LPA | $2.07 | $1.94 | $3.20 | $3.51 | $3.84 | $4.53 | $5.14 | $4.87 | $4.96 | $6.40 |
| LPA Diluído | $2.07 | $1.94 | $3.20 | $3.49 | $3.83 | $4.51 | $5.13 | $4.86 | $4.95 | $6.38 |
| Ações em Circulação (Diluídas) | $7.3M | $7.2M | $7.2M | $7.1M | $7.3M | $7.3M | $7.2M | $7.2M | $6.9M | $6.7M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $42.8M | $44.2M | $43.7M | $44.1M |
| Lucro Bruto | $30.9M | $32.4M | $32.2M | $33.0M |
| Lucro Operacional | $13.4M | $14.2M | $14.9M | $14.7M |
| EBITDA | $14.3M | $15.1M | $15.9M | $15.6M |
| Lucro Líquido | $10.8M | $11.4M | $12.0M | $11.8M |
| LPA | $1.63 | $1.74 | $1.82 | $1.79 |
| LPA Diluído | $1.63 | $1.73 | $1.81 | $1.78 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $120.5M | $59.7M | $151.9M | $133.3M | $447.2M | $784.9M | $278.4M | $305.4M | $269.0M | $213.4M |
| Investimentos de Curto Prazo | 0 | $345.3M | $307.9M | $335.6M | $498.2M | $659.2M | $614.4M | $570.1M | $17.8M | $4.4M |
| Contas a Receber | 0 | $4.9M | $5.0M | $5.3M | $6.9M | $6.2M | $8.8M | $9.9M | $10.0M | $11.1M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $125.4M | $409.9M | $464.8M | $474.1M | $952.3M | $1.45B | $901.6M | $885.5M | $296.9M | $229.0M |
| Imobilizado | $34.0M | $35.9M | $39.7M | $46.3M | $51.1M | $51.8M | $58.5M | $60.7M | $62.2M | $60.8M |
| Ágio | 0 | 0 | 0 | 0 | $1.5M | 0 | 0 | $1.5M | $1.5M | $1.5M |
| Ativos Intangíveis | 0 | 0 | 0 | $1.5M | 0 | $1.5M | $1.5M | 0 | 0 | 0 |
| Ativos Totais | $1.64B | $1.72B | $1.86B | $1.99B | $2.64B | $3.22B | $3.08B | $3.13B | $3.15B | $3.35B |
| Contas a Pagar | 0 | $1.5M | $1.8M | $2.2M | $1.8M | $1.3M | $1.6M | $8.0M | $7.6M | $6.1M |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $1.03B | $1.53B | $1.66B | $1.73B | $2.35B | $2.92B | $2.81B | $2.81B | $2.81B | $2.97B |
| Dívida de Longo Prazo | $11.8M | $11.5M | $11.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Totais | $1.49B | $1.55B | $1.67B | $1.74B | $2.36B | $2.93B | $2.82B | $2.82B | $2.83B | $2.99B |
| Reservas | $122.8M | $137.9M | $159.1M | $182.6M | $209.0M | $239.9M | $274.8M | $306.8M | $338.6M | $377.7M |
| Patrimônio Líquido | $151.8M | $178.1M | $193.7M | $251.9M | $285.5M | $298.1M | $265.8M | $303.9M | $319.7M | $365.1M |
| Dívida Total | $11.8M | $11.5M | $11.3M | $4.6M | $4.2M | $3.8M | $4.3M | $3.8M | $2.9M | $1.5M |
| Dívida Líquida | -$108.8M | -$393.5M | -$448.4M | -$464.3M | -$941.2M | -$1.44B | -$888.5M | -$871.8M | -$284.0M | -$216.3M |
| Capital de Giro | -$905.6M | -$1.12B | -$1.19B | -$1.26B | -$1.40B | -$1.47B | -$1.91B | -$1.92B | -$2.52B | -$2.74B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $161.1M | $213.4M | $210.5M | $195.4M |
| Ativos Totais | $3.21B | $3.35B | $3.35B | $3.31B |
| Passivos Totais | $2.86B | $2.99B | $2.97B | $2.93B |
| Patrimônio Líquido | $351.3M | $365.1M | $373.3M | $384.6M |
| Dívida Total | $1.6M | $1.5M | $1.5M | $1.4M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $15.1M | $14.0M | $23.1M | $24.8M | $28.1M | $33.0M | $36.9M | $34.9M | $34.2M | $42.8M |
| Depreciação e Amortização | $2.2M | $2.0M | $2.0M | $2.4M | $2.4M | $2.6M | $2.6M | $2.7M | $3.2M | $3.5M |
| Compensação em Ações | $163000 | $180000 | $289000 | $314000 | $338000 | $319000 | $359000 | $361000 | $432000 | $500000 |
| Variação Capital de Giro | -$196000 | -$1.3M | -$1.6M | -$2.6M | -$26.7M | $24.3M | $1.1M | $3.3M | -$2.3M | -$4.0M |
| Fluxo de Caixa Operacional | $19.3M | $20.1M | $26.0M | $26.4M | $12.8M | $62.3M | $45.9M | $40.1M | $38.3M | $44.8M |
| CapEx | -$576000 | -$3.5M | -$5.4M | -$3.8M | -$7.0M | -$3.4M | -$8.4M | -$4.9M | -$4.9M | -$2.6M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$929000 | -$27000 | -$4.6M | 0 | -$122000 | -$7.9M | -$218000 | -$5.0M | -$16.3M | -$11.1M |
| Dividendos Pagos | 0 | 0 | -$1.0M | -$1.3M | -$1.8M | -$2.0M | -$2.0M | -$2.3M | -$2.5M | -$3.6M |
| Fluxo de Caixa Livre | $18.8M | $16.6M | $20.6M | $22.7M | $5.8M | $58.8M | $37.4M | $35.2M | $33.4M | $42.2M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $16.5M | $10.6M | $16.9M | $12.3M |
| CapEx | -$664000 | -$1.4M | -$1.9M | -$1.2M |
| Fluxo de Caixa Livre | $15.8M | $9.2M | $15.0M | $11.1M |
| Dividendos Pagos | -$987000 | -$986000 | -$1.6M | -$1.6M |
| Compensação em Ações | $125000 | $125000 | $124000 | $159000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +2.7% | +15.0% | +9.9% | +12.4% | +1.3% | +11.6% | +23.3% | +13.0% | +8.3% |
| Crescimento Lucro Líquido (anual) | | -7.4% | +64.9% | +7.7% | +13.4% | +17.1% | +12.0% | -5.5% | -1.8% | +24.9% |
| Crescimento LPA (anual) | | -6.3% | +64.9% | +9.7% | +9.4% | +18.0% | +13.5% | -5.3% | +1.8% | +29.0% |
| Variação de Ações (anual) | | -1.2% | +0.0% | -1.3% | +3.2% | -0.6% | -1.4% | -0.2% | -3.7% | -3.1% |
| Crescimento FCF (anual) | | -11.5% | +23.9% | +10.1% | -74.6% | +920.9% | -36.4% | -6.0% | -5.1% | +26.4% |
| Margem Bruta | 100.0% | 88.4% | 88.0% | 86.6% | 85.3% | 92.5% | 91.6% | 76.3% | 68.7% | 72.5% |
| Margem Operacional | 46.0% | 32.2% | 35.2% | 34.4% | 34.6% | 39.7% | 40.0% | 31.0% | 27.0% | 31.3% |
| Margem EBITDA | 38.3% | 35.1% | 37.7% | 37.1% | 37.1% | 42.3% | 42.3% | 32.9% | 29.1% | 33.4% |
| Margem Líquida | 22.1% | 20.0% | 28.6% | 28.0% | 28.3% | 32.7% | 32.8% | 25.1% | 21.8% | 25.2% |
| Margem FCF | 27.5% | 23.7% | 25.5% | 25.6% | 5.8% | 58.4% | 33.3% | 25.4% | 21.3% | 24.9% |
| Taxa Efetiva de Imposto | 27.1% | 37.9% | 18.7% | 18.5% | 18.3% | 17.7% | 17.9% | 18.8% | 19.2% | 19.5% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.57 | $2.30 | $2.85 | $3.19 | $0.78 | $8.06 | $5.20 | $4.90 | $4.83 | $6.30 |
| Dividendo por Ação | $0.00 | $0.00 | $0.14 | $0.19 | $0.24 | $0.28 | $0.28 | $0.32 | $0.36 | $0.53 |
| Ações em Circulação (Básicas) | $7.3M | $7.2M | $7.2M | $7.1M | $7.3M | $7.3M | $7.2M | $7.2M | $6.9M | $6.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 12.47% |
| Retorno sobre capital investido | 11.41% |
| Retorno sobre ativos | 1.39% |
| Margem bruta | 73.55% |
| Margem operacional | 32.72% |
| Margem líquida | 26.30% |
Saúde financeira
| Dívida / Patrimônio | 0.00 |
| Liquidez corrente | 0.33 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 24.28 | 25.90 | 15.70 | 15.97 | 12.90 | 11.81 | 9.93 | 11.52 | 10.88 | 11.16 |
| P/VP | 2.42 | 2.03 | 1.87 | 1.57 | 1.27 | 1.31 | 1.38 | 1.32 | 1.16 | 1.31 |
| P/V | 5.38 | 5.17 | 4.50 | 4.48 | 3.65 | 3.86 | 3.26 | 2.90 | 2.38 | 2.81 |
| Margem Bruta | 100.0% | 88.4% | 88.0% | 86.6% | 85.3% | 92.5% | 91.6% | 76.3% | 68.7% | 72.5% |
| Margem Operacional | 46.0% | 32.2% | 35.2% | 34.4% | 34.6% | 39.7% | 40.0% | 31.0% | 27.0% | 31.3% |
| Margem Líquida | 22.1% | 20.0% | 28.6% | 28.0% | 28.3% | 32.7% | 32.8% | 25.1% | 21.8% | 25.2% |