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INVESTAR HOLDING CORP (ISTR) Stock Fundamental Analysis

NASDAQ:ISTR - Nasdaq - US46134L1052 - Common Stock - Currency: USD

22.2  +0.24 (+1.09%)

After market: 22.2 0 (0%)

Fundamental Rating

4

ISTR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. ISTR may be in some trouble as it scores bad on both profitability and health. ISTR has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ISTR had positive earnings in the past year.
ISTR had a positive operating cash flow in the past year.
In the past 5 years ISTR has always been profitable.
In the past 5 years ISTR always reported a positive cash flow from operatings.
ISTR Yearly Net Income VS EBIT VS OCF VS FCFISTR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

With a Return On Assets value of 0.80%, ISTR perfoms like the industry average, outperforming 46.72% of the companies in the same industry.
The Return On Equity of ISTR (8.67%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.8%
ROE 8.67%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.71%
ROE(3y)10.76%
ROE(5y)8.25%
ROIC(3y)N/A
ROIC(5y)N/A
ISTR Yearly ROA, ROE, ROICISTR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

ISTR has a better Profit Margin (26.24%) than 65.91% of its industry peers.
In the last couple of years the Profit Margin of ISTR has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for ISTR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y43.06%
PM growth 5Y0.78%
GM growth 3YN/A
GM growth 5YN/A
ISTR Yearly Profit, Operating, Gross MarginsISTR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

ISTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ISTR has been increased compared to 1 year ago.
The number of shares outstanding for ISTR has been reduced compared to 5 years ago.
ISTR has a better debt/assets ratio than last year.
ISTR Yearly Shares OutstandingISTR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
ISTR Yearly Total Debt VS Total AssetsISTR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

ISTR has a debt to FCF ratio of 3.07. This is a good value and a sign of high solvency as ISTR would need 3.07 years to pay back of all of its debts.
ISTR has a Debt to FCF ratio of 3.07. This is in the lower half of the industry: ISTR underperforms 63.64% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that ISTR is not too dependend on debt financing.
The Debt to Equity ratio of ISTR (0.15) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.07
Altman-Z N/A
ROIC/WACCN/A
WACC20.21%
ISTR Yearly LT Debt VS Equity VS FCFISTR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ISTR Yearly Current Assets VS Current LiabilitesISTR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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6

3. Growth

3.1 Past

ISTR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.38%, which is quite good.
ISTR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.98% yearly.
The Revenue has been growing slightly by 4.32% in the past year.
Measured over the past years, ISTR shows a small growth in Revenue. The Revenue has been growing by 3.13% on average per year.
EPS 1Y (TTM)15.38%
EPS 3Y53.75%
EPS 5Y0.98%
EPS Q2Q%48.84%
Revenue 1Y (TTM)4.32%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%1.96%

3.2 Future

Based on estimates for the next years, ISTR will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.98% on average per year.
The Revenue is expected to grow by 26.62% on average over the next years. This is a very strong growth
EPS Next Y3.62%
EPS Next 2Y20.41%
EPS Next 3Y19.98%
EPS Next 5YN/A
Revenue Next Year21.14%
Revenue Next 2Y37.96%
Revenue Next 3Y26.62%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ISTR Yearly Revenue VS EstimatesISTR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
ISTR Yearly EPS VS EstimatesISTR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.57, the valuation of ISTR can be described as reasonable.
ISTR's Price/Earnings ratio is a bit cheaper when compared to the industry. ISTR is cheaper than 78.54% of the companies in the same industry.
ISTR is valuated cheaply when we compare the Price/Earnings ratio to 27.46, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.10 indicates a reasonable valuation of ISTR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ISTR indicates a rather cheap valuation: ISTR is cheaper than 82.83% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ISTR to the average of the S&P500 Index (36.44), we can say ISTR is valued rather cheaply.
Industry RankSector Rank
PE 10.57
Fwd PE 8.1
ISTR Price Earnings VS Forward Price EarningsISTR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

69.44% of the companies in the same industry are cheaper than ISTR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 18.26
EV/EBITDA N/A
ISTR Per share dataISTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
ISTR's earnings are expected to grow with 19.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.92
PEG (5Y)10.78
EPS Next 2Y20.41%
EPS Next 3Y19.98%

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6

5. Dividend

5.1 Amount

ISTR has a Yearly Dividend Yield of 1.99%. Purely for dividend investing, there may be better candidates out there.
ISTR's Dividend Yield is slightly below the industry average, which is at 3.29.
ISTR's Dividend Yield is comparable with the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 1.99%

5.2 History

The dividend of ISTR is nicely growing with an annual growth rate of 14.11%!
ISTR has been paying a dividend for at least 10 years, so it has a reliable track record.
ISTR has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)14.11%
Div Incr Years10
Div Non Decr Years10
ISTR Yearly Dividends per shareISTR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

ISTR pays out 18.45% of its income as dividend. This is a sustainable payout ratio.
The dividend of ISTR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP18.45%
EPS Next 2Y20.41%
EPS Next 3Y19.98%
ISTR Yearly Income VS Free CF VS DividendISTR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
ISTR Dividend Payout.ISTR Dividend Payout, showing the Payout Ratio.ISTR Dividend Payout.PayoutRetained Earnings

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INVESTAR HOLDING CORP

NASDAQ:ISTR (7/21/2025, 8:10:30 PM)

After market: 22.2 0 (0%)

22.2

+0.24 (+1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/bmo
Earnings (Next)07-23 2025-07-23/amc
Inst Owners62.56%
Inst Owner Change-0.09%
Ins Owners7.35%
Ins Owner Change4.04%
Market Cap218.45M
Analysts84.44
Price Target26.44 (19.1%)
Short Float %1.27%
Short Ratio3.78
Dividend
Industry RankSector Rank
Dividend Yield 1.99%
Yearly Dividend0.41
Dividend Growth(5Y)14.11%
DP18.45%
Div Incr Years10
Div Non Decr Years10
Ex-Date06-30 2025-06-30 (0.11)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)54.1%
Min EPS beat(2)44.8%
Max EPS beat(2)63.4%
EPS beat(4)4
Avg EPS beat(4)40.9%
Min EPS beat(4)19.64%
Max EPS beat(4)63.4%
EPS beat(8)7
Avg EPS beat(8)44.2%
EPS beat(12)8
Avg EPS beat(12)28%
EPS beat(16)10
Avg EPS beat(16)17.31%
Revenue beat(2)1
Avg Revenue beat(2)0.11%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)0.29%
Revenue beat(4)2
Avg Revenue beat(4)-1.68%
Min Revenue beat(4)-7.77%
Max Revenue beat(4)0.83%
Revenue beat(8)3
Avg Revenue beat(8)-3.75%
Revenue beat(12)5
Avg Revenue beat(12)-1.81%
Revenue beat(16)8
Avg Revenue beat(16)0.03%
PT rev (1m)13.09%
PT rev (3m)13.92%
EPS NQ rev (1m)-5.78%
EPS NQ rev (3m)-4.2%
EPS NY rev (1m)-4.71%
EPS NY rev (3m)6.27%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)0.95%
Revenue NY rev (1m)11.81%
Revenue NY rev (3m)13.26%
Valuation
Industry RankSector Rank
PE 10.57
Fwd PE 8.1
P/S 2.62
P/FCF 18.26
P/OCF 17.37
P/B 0.87
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)2.1
EY9.46%
EPS(NY)2.74
Fwd EY12.34%
FCF(TTM)1.22
FCFY5.48%
OCF(TTM)1.28
OCFY5.76%
SpS8.46
BVpS25.58
TBVpS21.36
PEG (NY)2.92
PEG (5Y)10.78
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 8.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.24%
GM N/A
FCFM 14.38%
ROA(3y)0.88%
ROA(5y)0.71%
ROE(3y)10.76%
ROE(5y)8.25%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y43.06%
PM growth 5Y0.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.07
Debt/EBITDA N/A
Cap/Depr 20.27%
Cap/Sales 0.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 54.79%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC20.21%
ROIC/WACCN/A
Cap/Depr(3y)22.86%
Cap/Depr(5y)60.24%
Cap/Sales(3y)0.97%
Cap/Sales(5y)3.05%
Profit Quality(3y)114.63%
Profit Quality(5y)158.9%
High Growth Momentum
Growth
EPS 1Y (TTM)15.38%
EPS 3Y53.75%
EPS 5Y0.98%
EPS Q2Q%48.84%
EPS Next Y3.62%
EPS Next 2Y20.41%
EPS Next 3Y19.98%
EPS Next 5YN/A
Revenue 1Y (TTM)4.32%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%1.96%
Revenue Next Year21.14%
Revenue Next 2Y37.96%
Revenue Next 3Y26.62%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-64.65%
FCF growth 3Y-20.04%
FCF growth 5Y7.68%
OCF growth 1Y-63.98%
OCF growth 3Y-21.94%
OCF growth 5Y-3.02%