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Investar Holding Corporation ISTR R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.investarbank.com
Company Profile ↓
$31.10
+39.26% 1Y
Mkt Cap$428.48M
P/E13.70
P/B1.06
Div. Yield1.59%
52W High$31.10
52W Low$21.26
Book Value$28.29
EPS (TTM)$2.27

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 20.8% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 13.7, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 27.7%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $90.24M (+9.5% YoY); net profit $22.90M.
  • Trailing 12 Months Year-on-year growth — revenue +63.9%, earnings +33.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR -5.9%, profit CAGR 20.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-5.93%
1 Year:63.90%

Compounded Profit Growth

5 Years:20.85%
1 Year:33.50%

Stock Price Performance

1 Year:+39.26%
6 Months:+13.68%
3 Months:+7.56%
1 Month:+3.25%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$21.26 $31.10
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.78 · Neutral
Price Performance
1M+3.25%
3M+7.56%
6M+13.68%
1Y+39.26%
Valuation vs Sector

P/E of 13.70 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 27.7%.
  • Profit CAGR of 20.8% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -5.9% CAGR over 5 years.

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

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Valuation

Stock P/E
13.70
Industry PE
14.52
Forward P/E
9.43
PEG Ratio
-
Book Value
$28.29
Price to Book
1.06
P/S
3.42
EV/EBITDA
-
Dividend Yield
1.59%

Growth (CAGR)

Revenue 5Y
-5.93%
Profit 5Y
20.85%
Revenue (YoY)
63.90%
Earnings (YoY)
33.50%

Profitability & Returns

ROCE
-
ROE
9.94%
ROA
1.02%
Profit Margin
27.72%
Op Margin
39.41%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.61
EPS (TTM)
$2.27

Balance Sheet & Liquidity

Debt/Equity
0.47
Quick Ratio
-
Current Ratio
-
Debt
$194.33M
Total Assets
$3.86B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
9.20%
Chg in Prom Hold
-
FII / Inst Holding
64.51%
Chg in FII Hold
5.18%

Financial Snapshot

Enterprise Value
$428.48M
Total Revenue (TTM)
$121.27M
EBITDA
-
Free Cash Flow
$16.83M
Operating Cash Flow
$18.22M
Shares Outstanding
13.78M
Gross Margin
0.00%
Payout Ratio
19.38%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ISTR Investar Holding Corporation R2KFINANCIAL 31.10 13.70 $428.48M 1.59% - 9.94% -5.93% 20.85%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------20.36M22.27M24.14M23.47M35.64M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------16.09M15.71M15.94M15.50M20.54M-
Pretax Income ----------------------------------7.71M5.43M7.47M7.27M14.91M-
Tax Provision ----------------------------------1.42M935.00K1.29M1.33M2.88M-
Net Income 1.86M1.45M1.99M2.00M2.04M1.85M1.86M1.92M2.13M2.28M2.40M3.82M4.05M3.34M3.92M4.93M4.66M3.33M608.00K4.27M4.47M5.36M5.69M-9.98M10.10M9.40M7.30M3.81M6.55M2.78M4.71M4.06M--6.29M4.49M6.18M5.94M12.02M9.47M
Diluted EPS 0.260.200.280.280.290.260.260.220.240.250.250.390.410.340.400.480.460.320.050.390.410.510.53-0.950.970.920.730.380.670.280.480.41--0.630.460.540.510.770.61

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----------108.39M82.38M82.41M90.24M
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses --------------
Operating Income --------------
EBITDA --------------
Interest Expense ----------14.78M58.68M74.11M63.24M
Pretax Income ----------44.35M20.43M24.41M27.89M
Tax Provision ----------8.64M3.75M4.15M4.98M
Net Income 2.36M3.17M5.40M7.07M7.88M8.20M13.61M16.84M13.89M-35.71M16.68M20.25M22.90M
Diluted EPS 0.710.810.930.971.100.961.391.661.27-3.501.692.042.13

Balance Sheet (Annual)

Figures in USD.

Metric Jan 2012Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --634.95M879.35M1.03B1.16B1.62B1.79B2.15B2.32B-2.75B2.82B2.72B2.83B
Current Assets ---------------
Cash & Equivalents --27.70M19.01M20.79M29.34M-----40.07M32.01M27.92M41.51M
Inventory ---------------
Receivables -----------12.75M14.37M14.42M14.29M
Total Liabilities --579.46M775.97M922.21M1.05B1.45B1.60B1.91B2.08B-2.54B2.59B2.48B2.53B
Current Liabilities ---------------
Long Term Debt -----------439.74M76.45M92.64M141.57M
Total Debt -----------439.74M76.45M92.64M141.57M
Total Equity 35.17M43.55M55.48M103.38M109.35M112.76M172.73M182.26M241.98M243.28M-215.78M226.77M241.30M301.07M
Shares Outstanding -----------9.90M9.75M9.83M9.80M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow --37.30M9.46M16.41M18.57M17.75M-42.75M26.25M15.93M18.22M
Investing Cash Flow ---151.97M-98.35M-182.40M-103.06M-148.14M--350.99M-73.49M90.06M-83.91M
Financing Cash Flow --123.14M89.86M152.71M112.05M121.07M-251.46M38.99M-110.08M79.27M
Capital Expenditure -5.14M-4.08M-3.96M-2.08M-4.94M----1.06M-1.07M-506.00K-1.38M
Free Cash Flow --33.34M7.38M11.48M---41.69M25.18M15.42M16.83M
Net Change in Cash ---------56.78M-8.25M-4.09M13.58M
Share Buybacks 6.00K572.00K3.47M506.00K3.37M8.33M11.11M6.92M10.54M3.03M305.00K2.29M

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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
9.20%
Institutions
64.51%
Public Float
71.05%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.12% 1.26M $38.06M
2 Vanguard Capital Management LLC 3.96% 545.55K $16.52M
3 Dimensional Fund Advisors LP 3.75% 516.51K $15.64M
4 Maltese Capital Management, LLC 2.90% 398.99K $12.09M
5 Geode Capital Management, LLC 2.41% 331.68K $10.05M
6 Fourthstone LLC 2.34% 322.43K $9.77M
7 BANC FUNDS CO LLC 2.23% 306.90K $9.30M
8 Royce & Associates LP 2.12% 292.09K $8.85M
9 Alliancebernstein L.P. 2.07% 285.23K $8.64M
10 Citadel Advisors Llc 1.94% 267.40K $8.10M

Analyst View

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Latest News

Recent headlines for ISTR

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Investar (ISTR) Upgraded to Buy: Here's What You Should Know - Yahoo Finance

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Google News Sat, 05 Sep 2026

Wall Street Zen Downgrades Investar (NASDAQ:ISTR) to Hold - marketbeat.com

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Google News Mon, 20 Jul 2026

Investar Holding Corporation (ISTR) Stock Falls on Q2 2026 Earnings - quiverquant.com

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ISTR — Frequently Asked Questions

What is the current share price of Investar Holding Corporation (ISTR)?

As of 2026-09-07 16:24 PDT, Investar Holding Corporation (ISTR) trades at $31.10 on NasdaqGM. Its 52-week range is $21.26 to $31.10.

What is the market capitalisation of ISTR?

Investar Holding Corporation (ISTR) has a market capitalisation of $428.48M on NasdaqGM.

What is the P/E ratio of ISTR?

ISTR trades at a trailing price-to-earnings (P/E) ratio of 13.70. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.06.

Does ISTR pay a dividend?

Investar Holding Corporation (ISTR) currently offers a dividend yield of 1.59%.

What is the return on equity (ROE) of ISTR?

ISTR has a return on equity (ROE) of 9.94%.

Is ISTR a good stock to buy?

This page provides a data-driven analysis of Investar Holding Corporation (ISTR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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