vs
Side-by-side financial comparison of RED RIVER BANCSHARES INC (RRBI) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
UNITY BANCORP INC is the larger business by last-quarter revenue ($35.3M vs $33.2M, roughly 1.1× RED RIVER BANCSHARES INC). UNITY BANCORP INC runs the higher net margin — 43.9% vs 34.4%, a 9.5% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs 15.7%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $42.2M). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% CAGR vs 12.4%).
Red River Bancshares Inc is a U.S. regional financial holding company operating through its wholly owned subsidiary Red River Bank. It provides a full suite of retail and commercial banking products including deposit accounts, personal and commercial loans, mortgage services, and wealth management, primarily serving customers across Louisiana, with a focus on local communities and small to mid-sized enterprises.
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
RRBI vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.2M | $35.3M |
| Net Profit | $11.4M | $15.5M |
| Gross Margin | — | — |
| Operating Margin | 42.8% | 55.8% |
| Net Margin | 34.4% | 43.9% |
| Revenue YoY | 15.7% | 24.2% |
| Net Profit YoY | 22.7% | 34.5% |
| EPS (diluted) | $1.72 | $1.52 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $33.2M | $35.3M | ||
| Q3 25 | $31.9M | $32.8M | ||
| Q2 25 | $30.5M | $34.4M | ||
| Q1 25 | $29.9M | $29.4M | ||
| Q4 24 | $28.7M | $28.4M | ||
| Q3 24 | $27.9M | $27.7M | ||
| Q2 24 | $26.9M | $25.5M | ||
| Q1 24 | $26.3M | $25.6M |
| Q4 25 | $11.4M | $15.5M | ||
| Q3 25 | $10.8M | $14.4M | ||
| Q2 25 | $10.2M | $16.5M | ||
| Q1 25 | $10.4M | $11.6M | ||
| Q4 24 | $9.3M | $11.5M | ||
| Q3 24 | $8.8M | $10.9M | ||
| Q2 24 | $8.0M | $9.5M | ||
| Q1 24 | $8.2M | $9.6M |
| Q4 25 | 42.8% | 55.8% | ||
| Q3 25 | 41.9% | 57.5% | ||
| Q2 25 | 41.7% | 62.6% | ||
| Q1 25 | 43.0% | 52.6% | ||
| Q4 24 | 40.2% | 51.0% | ||
| Q3 24 | 38.8% | 52.7% | ||
| Q2 24 | 36.8% | 49.3% | ||
| Q1 24 | 38.5% | 50.0% |
| Q4 25 | 34.4% | 43.9% | ||
| Q3 25 | 33.8% | 43.8% | ||
| Q2 25 | 33.4% | 48.0% | ||
| Q1 25 | 34.6% | 39.5% | ||
| Q4 24 | 32.4% | 40.5% | ||
| Q3 24 | 31.4% | 39.4% | ||
| Q2 24 | 29.7% | 37.1% | ||
| Q1 24 | 31.1% | 37.5% |
| Q4 25 | $1.72 | $1.52 | ||
| Q3 25 | $1.63 | $1.41 | ||
| Q2 25 | $1.51 | $1.61 | ||
| Q1 25 | $1.52 | $1.13 | ||
| Q4 24 | $1.36 | $1.13 | ||
| Q3 24 | $1.27 | $1.07 | ||
| Q2 24 | $1.16 | $0.92 | ||
| Q1 24 | $1.16 | $0.94 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $213.4M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $365.1M | $345.6M |
| Total Assets | $3.4B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $213.4M | — | ||
| Q3 25 | $161.1M | — | ||
| Q2 25 | $210.4M | — | ||
| Q1 25 | $252.2M | — | ||
| Q4 24 | $269.0M | — | ||
| Q3 24 | $232.6M | — | ||
| Q2 24 | $213.1M | — | ||
| Q1 24 | $229.8M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $365.1M | $345.6M | ||
| Q3 25 | $351.3M | $334.0M | ||
| Q2 25 | $335.4M | $319.8M | ||
| Q1 25 | $333.3M | $306.1M | ||
| Q4 24 | $319.7M | $295.6M | ||
| Q3 24 | $324.3M | $284.3M | ||
| Q2 24 | $307.0M | $273.4M | ||
| Q1 24 | $299.3M | $266.8M |
| Q4 25 | $3.4B | $3.0B | ||
| Q3 25 | $3.2B | $2.9B | ||
| Q2 25 | $3.2B | $2.9B | ||
| Q1 25 | $3.2B | $2.8B | ||
| Q4 24 | $3.1B | $2.7B | ||
| Q3 24 | $3.1B | $2.6B | ||
| Q2 24 | $3.0B | $2.6B | ||
| Q1 24 | $3.1B | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $44.8M | $44.9M |
| Free Cash FlowOCF − Capex | $42.2M | $44.3M |
| FCF MarginFCF / Revenue | 127.2% | 125.7% |
| Capex IntensityCapex / Revenue | 7.8% | 1.6% |
| Cash ConversionOCF / Net Profit | 3.92× | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | $75.2M | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $44.8M | $44.9M | ||
| Q3 25 | $16.5M | $45.5M | ||
| Q2 25 | $3.8M | $-25.3M | ||
| Q1 25 | $13.9M | $17.9M | ||
| Q4 24 | $38.3M | $48.0M | ||
| Q3 24 | $17.4M | $17.7M | ||
| Q2 24 | $2.4M | $-8.4M | ||
| Q1 24 | $14.4M | $15.8M |
| Q4 25 | $42.2M | $44.3M | ||
| Q3 25 | $15.8M | $45.3M | ||
| Q2 25 | $3.5M | $-25.5M | ||
| Q1 25 | $13.7M | $17.6M | ||
| Q4 24 | $33.4M | $47.3M | ||
| Q3 24 | $17.0M | $17.5M | ||
| Q2 24 | $1.4M | $-8.6M | ||
| Q1 24 | $13.4M | $15.7M |
| Q4 25 | 127.2% | 125.7% | ||
| Q3 25 | 49.6% | 138.1% | ||
| Q2 25 | 11.6% | -74.2% | ||
| Q1 25 | 45.7% | 59.9% | ||
| Q4 24 | 116.5% | 166.5% | ||
| Q3 24 | 60.9% | 63.3% | ||
| Q2 24 | 5.4% | -33.7% | ||
| Q1 24 | 50.8% | 61.4% |
| Q4 25 | 7.8% | 1.6% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 0.9% | 0.5% | ||
| Q1 25 | 0.9% | 1.0% | ||
| Q4 24 | 17.0% | 2.4% | ||
| Q3 24 | 1.4% | 0.5% | ||
| Q2 24 | 3.6% | 0.5% | ||
| Q1 24 | 4.0% | 0.3% |
| Q4 25 | 3.92× | 2.90× | ||
| Q3 25 | 1.53× | 3.16× | ||
| Q2 25 | 0.37× | -1.54× | ||
| Q1 25 | 1.34× | 1.54× | ||
| Q4 24 | 4.11× | 4.17× | ||
| Q3 24 | 1.99× | 1.62× | ||
| Q2 24 | 0.30× | -0.89× | ||
| Q1 24 | 1.76× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
