Red River Bancshares (RRBI) Cash Flow: Operating & Free Cash Flow

Red River Bancshares (RRBI) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Red River Bancshares generated $44.79M of operating cash flow and spent $2.58M on capital expenditures. That left free cash flow of $42.21M, up 26.4% from $33.41M a year earlier, or 34.3% of revenue. It returned $14.64M to shareholders through $3.59M in dividends and $11.06M in share buybacks.

Red River Bancshares Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Red River Bancshares, Inc. (RRBI) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	42.76	34.24	34.88	36.92	32.95	28.15	24.82	23.06	13.99
Depreciation & Amortization	3.55	3.22	2.75	2.61	2.55	2.41	2.35	2.04	2.04
Deferred Income Tax	-0.70	0.76	-0.33	0.31	-0.77	0.13	-0.56	-0.45	1.97
Stock Based Compensation	0.50	0.43	0.36	0.36	0.32	0.34	0.31	0.29	0.18
Change in Working Capital	-3.98	-2.25	3.25	1.10	24.35	-26.68	-2.62	-1.60	-1.35
Change in Accounts Receivable	-1.08	-0.10	-1.12	-2.59	0.64	-1.63	-0.24	-0.08	-0.41
Change in Accounts Payable	-1.46	-0.06	5.91	0.63	-0.46	-0.45	0.47	0.25	0.02
Change in Other Working Capital	-1.44	0.81	-1.72	1.85	24.11	0.43	-2.84	-1.77	-0.95
Other Operating Activities	2.65	0.81	-1.72	1.85	2.94	1.29	2.13	2.68	3.26
Net Cash from Operating Activities	44.79	38.28	40.11	45.87	62.26	12.80	26.44	26.02	20.09
Investing Activities
Capital Expenditures	-2.58	-4.88	-4.92	-8.44	-3.43	-7.04	-3.77	-5.43	-3.49
Purchases of Investments	-182.44	-129.73	-99.05	-324.43	-393.67	-421.50	-145.64	-20.76	-168.21
Sales/Maturities of Investments	115.32	158.16	172.24	126.27	213.26	263.86	126.00	59.21	127.21
Other Investing Activities	-174.33	-82.72	0.02	-232.09	-100.28	0.33	-111.41	-80.67	-101.42
Net Cash from Investing Activities	-244.04	-59.16	-8.74	-438.70	-284.68	-316.26	-134.82	-47.65	-145.90
Financing Activities
Debt Repayment	0.00	0.00	-60.00	0.00	0.00	-50.00	-11.34	-0.18	-0.23
Common Stock Issued	0.00	0.00	0.00	0.00	0.00	0.01	26.81	0.00	12.13
Common Stock Repurchased	-11.06	-16.31	-5.00	-0.22	-7.88	-0.12	0.00	-4.59	-0.03
Dividends Paid	-3.59	-2.48	-2.29	-2.01	-2.03	-1.76	-1.33	-1.01	0.00
Other Financing Activities	158.31	3.22	2.95	-111.41	569.99	619.25	75.62	119.60	53.10
Net Cash from Financing Activities	143.66	-15.57	-4.34	-113.64	560.08	617.37	89.76	113.96	64.96
Summary
Net Change in Cash	-55.58	-36.45	27.03	-506.47	337.66	313.91	-18.61	92.24	-60.84
Cash at Beginning of Period	268.98	305.43	278.39	784.86	447.20	133.29	151.91	59.67	120.51
Cash at End of Period	213.39	268.98	305.43	278.39	784.86	447.20	133.29	151.91	59.67
Free Cash Flow	42.21	33.41	35.20	37.42	58.84	5.76	22.67	20.58	16.61
Supplemental Disclosures
Interest Paid	-	48.35	25.69	7.48	6.08	8.83	-	-	-
Income Taxes Paid	-	6.94	9.00	7.35	7.99	6.18	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Red River Bancshares Cash Flow

What is Red River Bancshares's free cash flow?

Red River Bancshares generated free cash flow of $42.21M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $44.79M minus $2.58M of capital expenditures. That was up 26.4% from $33.41M a year earlier. Free cash flow equaled 34.3% of revenue.

How much does Red River Bancshares spend on capital expenditures?

Red River Bancshares spent $2.58M on capital expenditures in fiscal 2025, compared with $4.88M a year earlier. That equals 5.8% of operating cash flow.

Does Red River Bancshares pay dividends or buy back shares?

Yes. In fiscal 2025 Red River Bancshares returned $3.59M in dividends and $11.06M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition