Investar Holding Corporation ISTR R2K

Financial Services · Banks - Regional · United States

https://www.investarbank.com

Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals, professionals, and small to medium-sized businesses in south Louisiana, southeast Texas, and Alabama in the United States. The company offers various deposit products and services, such as savings, checking, money market, and individual retirement accounts, as well as various certificates of deposit; debit and credit cards; internet, mobile, and video banking services; and reciprocal deposit products. It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; construction and development loans comprising loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate loans, which includes second mortgage loans; and consumer loans, such as secured or unsecured loans, installment or term loans, home equity loans and lines of credit, business purpose loans, and auto loans, as well as loans for personal, family, and household purposes. In addition, the company offers treasury management products, including remote deposit capture, virtual vaults, positive pay, automated clearing house origination, credit card processing, wire transfers, investment sweep accounts, and business internet banking services. Further, it provides various other banking services, such as cashier's checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, ATMs with deposit automation, electronic statements, interactive teller machines, online account opening, online bill payment, online fund transfer, Zelle money transfer solutions, and mobile wallet payment option services. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.

Market & Price

Market Cap

$389.81M

Current Price

$28.26

High / Low (52W)

$29.99 / $17.67

Beta

0.47

Valuation

Stock P/E

12.45

Industry PE

12.01

Forward P/E

8.68

PEG Ratio

Book Value

$27.63

Price to Book

1.02

P/S

3.64

EV/EBITDA

Dividend Yield

1.56%

Profitability & Returns

ROCE

ROE

8.59%

ROA

0.87%

Profit Margin

26.73%

Op Margin

44.07%

EPS (Latest Qtr)

$0.77

EPS (TTM)

$2.27

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$208.34M

Total Assets

$2.83B

Current Assets

Working Capital

Ownership

Promoter Holding

9.19%

Chg in Prom Hold

FII / Inst Holding

56.35%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$537.51M

Total Revenue (TTM)

$107.12M

EBITDA

Free Cash Flow

Operating Cash Flow

$23.68M

Shares Outstanding

13.79M

Gross Margin

0.00%

Payout Ratio

19.38%

Growth (CAGR)

Revenue 5Y

-5.93%

Profit 5Y

-13.76%

Revenue (YoY)

57.60%

Earnings (YoY)

22.20%

PROS

Excellent profit margin of 26.7%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -5.9% CAGR over 5 years.
Earnings shrank at -13.8% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	ISTR Investar Holding Corporation R2K	28.26	12.45	$389.81M	1.56%	-	8.59%	-5.93%	-13.76%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.36M	22.27M	24.14M	23.47M	35.64M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.09M	15.71M	15.94M	15.50M	20.54M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.71M	5.43M	7.47M	7.27M	14.91M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.42M	935.00K	1.29M	1.33M	2.88M
Net Income	1.81M	1.86M	1.45M	1.99M	2.00M	2.04M	1.85M	1.86M	1.92M	2.13M	2.28M	2.40M	3.82M	4.05M	3.34M	3.92M	4.93M	4.66M	3.33M	608.00K	4.27M	4.47M	5.36M	5.69M	-9.98M	10.10M	9.40M	7.30M	3.81M	6.55M	2.78M	4.71M	4.06M	-	-	6.29M	4.49M	6.18M	5.94M	12.02M
Diluted EPS	0.25	0.26	0.20	0.28	0.28	0.29	0.26	0.26	0.22	0.24	0.25	0.25	0.39	0.41	0.34	0.40	0.48	0.46	0.32	0.05	0.39	0.41	0.51	0.53	-0.95	0.97	0.92	0.73	0.38	0.67	0.28	0.48	0.41	-	-	0.63	0.46	0.54	0.51	0.77

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	108.39M	82.38M	82.41M	90.24M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	14.78M	58.68M	74.11M	63.24M
Pretax Income	-	-	-	-	-	-	-	-	-	-	44.35M	20.43M	24.41M	27.89M
Tax Provision	-	-	-	-	-	-	-	-	-	-	8.64M	3.75M	4.15M	4.98M
Net Income	2.36M	3.17M	5.40M	7.07M	7.88M	8.20M	13.61M	16.84M	13.89M	-	35.71M	16.68M	20.25M	22.90M
Diluted EPS	0.71	0.81	0.93	0.97	1.10	0.96	1.39	1.66	1.27	-	3.50	1.69	2.04	2.13

Compounded Sales Growth

5 Years:	-5.93%
1 Year:	57.60%

Compounded Profit Growth

5 Years:	-13.76%
1 Year:	22.20%

Stock Price Performance

1 Year:	+51.44%
6 Months:	+14.75%
3 Months:	+0.52%
1 Month:	+1.84%

Balance Sheet (Annual)

Figures in USD.

Metric	Jan 2012	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	634.95M	879.35M	1.03B	1.16B	1.62B	1.79B	2.15B	2.32B	-	2.75B	2.82B	2.72B	2.83B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	27.70M	19.01M	20.79M	29.34M	-	-	-	-	-	40.07M	32.01M	27.92M	41.51M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	12.75M	14.37M	14.42M	14.29M
Total Liabilities	-	-	579.46M	775.97M	922.21M	1.05B	1.45B	1.60B	1.91B	2.08B	-	2.54B	2.59B	2.48B	2.53B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	439.74M	76.45M	92.64M	141.57M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	439.74M	76.45M	92.64M	141.57M
Total Equity	35.17M	43.55M	55.48M	103.38M	109.35M	112.76M	172.73M	182.26M	241.98M	243.28M	-	215.78M	226.77M	241.30M	301.07M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	9.90M	9.75M	9.83M	9.80M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	37.30M	9.46M	16.41M	18.57M	17.75M	-	42.75M	26.25M	15.93M	18.22M
Investing Cash Flow	-	-	-151.97M	-98.35M	-182.40M	-103.06M	-148.14M	-	-350.99M	-73.49M	90.06M	-83.91M
Financing Cash Flow	-	-	123.14M	89.86M	152.71M	112.05M	121.07M	-	251.46M	38.99M	-110.08M	79.27M
Capital Expenditure	-5.14M	-4.08M	-3.96M	-2.08M	-4.94M	-	-	-	-1.06M	-1.07M	-506.00K	-1.38M
Free Cash Flow	-	-	33.34M	7.38M	11.48M	-	-	-	41.69M	25.18M	15.42M	16.83M
Net Change in Cash	-	-	-	-	-	-	-	-	-56.78M	-8.25M	-4.09M	13.58M
Share Buybacks	6.00K	572.00K	3.47M	506.00K	3.37M	8.33M	11.11M	6.92M	10.54M	3.03M	305.00K	2.29M

Ratios (Annual)

Figures in %.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	32.9%	20.2%	24.6%	25.4%
ROE %	5.4%	5.7%	5.2%	6.5%	7.0%	4.7%	7.5%	7.0%	5.7%	-	16.5%	7.4%	8.4%	7.6%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

9.19%

Institutions

56.35%

Public Float

62.06%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.00%	1.10M	$31.17M
2	Fourthstone LLC	6.00%	827.39K	$23.38M
3	Vanguard Capital Management LLC	4.27%	588.43K	$16.63M
4	Dimensional Fund Advisors LP	3.17%	437.40K	$12.36M
5	Alliancebernstein L.P.	2.91%	401.08K	$11.33M
6	BANC FUNDS CO LLC	2.22%	306.90K	$8.67M
7	Geode Capital Management, LLC	2.18%	300.10K	$8.48M
8	Royce & Associates LP	2.12%	292.09K	$8.25M
9	Wellington Management Group, LLP	1.82%	250.80K	$7.09M
10	HighTower Advisors, LLC	1.54%	211.92K	$5.99M

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