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INVESTAR HOLDING CORP (ISTR) Stock Fundamental Analysis

NASDAQ:ISTR - US46134L1052 - Common Stock

23.4 USD
-0.21 (-0.89%)
Last: 8/29/2025, 3:02:58 PM
Fundamental Rating

4

Overall ISTR gets a fundamental rating of 4 out of 10. We evaluated ISTR against 393 industry peers in the Banks industry. Both the profitability and financial health of ISTR have multiple concerns. ISTR is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ISTR was profitable.
In the past year ISTR had a positive cash flow from operations.
ISTR had positive earnings in each of the past 5 years.
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

ISTR has a Return On Assets (0.81%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 8.70%, ISTR is in line with its industry, outperforming 52.93% of the companies in the same industry.
Industry RankSector Rank
ROA 0.81%
ROE 8.7%
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's Profit Margin of 26.04% is fine compared to the rest of the industry. ISTR outperforms 65.39% of its industry peers.
In the last couple of years the Profit Margin of ISTR has remained more or less at the same level.
ISTR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.04%
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.
Compared to 1 year ago, ISTR has more shares outstanding
ISTR has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ISTR has an improved debt to assets ratio.
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 2.98. This is a good value and a sign of high solvency as ISTR would need 2.98 years to pay back of all of its debts.
ISTR's Debt to FCF ratio of 2.98 is on the low side compared to the rest of the industry. ISTR is outperformed by 61.07% of its industry peers.
ISTR has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
ISTR has a Debt to Equity ratio (0.14) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.98
Altman-Z N/A
ROIC/WACCN/A
WACC19.69%
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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7

3. Growth

3.1 Past

ISTR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 46.36%, which is quite impressive.
Measured over the past 5 years, ISTR shows a small growth in Earnings Per Share. The EPS has been growing by 0.98% on average per year.
The Revenue has been growing slightly by 7.93% in the past year.
The Revenue has been growing slightly by 3.13% on average over the past years.
EPS 1Y (TTM)46.36%
EPS 3Y53.75%
EPS 5Y0.98%
EPS Q2Q%30.56%
Revenue 1Y (TTM)7.93%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%9.37%

3.2 Future

ISTR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.60% yearly.
Based on estimates for the next years, ISTR will show a very strong growth in Revenue. The Revenue will grow by 26.78% on average per year.
EPS Next Y4.7%
EPS Next 2Y19.89%
EPS Next 3Y20.6%
EPS Next 5YN/A
Revenue Next Year17.82%
Revenue Next 2Y38.08%
Revenue Next 3Y26.78%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 10.59, the valuation of ISTR can be described as reasonable.
77.61% of the companies in the same industry are more expensive than ISTR, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.17, ISTR is valued rather cheaply.
ISTR is valuated reasonably with a Price/Forward Earnings ratio of 8.61.
77.35% of the companies in the same industry are more expensive than ISTR, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.78, ISTR is valued rather cheaply.
Industry RankSector Rank
PE 10.59
Fwd PE 8.61
ISTR Price Earnings VS Forward Price EarningsISTR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ISTR indicates a slightly more expensive valuation: ISTR is more expensive than 67.18% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.76
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 20.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.25
PEG (5Y)10.8
EPS Next 2Y19.89%
EPS Next 3Y20.6%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.97%, ISTR has a reasonable but not impressive dividend return.
ISTR's Dividend Yield is slightly below the industry average, which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, ISTR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.97%

5.2 History

On average, the dividend of ISTR grows each year by 14.11%, which is quite nice.
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 18.31% of its income as dividend. This is a sustainable payout ratio.
ISTR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP18.31%
EPS Next 2Y19.89%
EPS Next 3Y20.6%
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 (8/29/2025, 3:02:58 PM)

23.4

-0.21 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/bmo
Earnings (Next)10-20 2025-10-20/amc
Inst Owners61.95%
Inst Owner Change-5.32%
Ins Owners7.35%
Ins Owner Change4.03%
Market Cap230.02M
Analysts84.44
Price Target26.61 (13.72%)
Short Float %1.53%
Short Ratio3.8
Dividend
Industry RankSector Rank
Dividend Yield 1.97%
Yearly Dividend0.41
Dividend Growth(5Y)14.11%
DP18.31%
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)33.03%
Min EPS beat(2)21.26%
Max EPS beat(2)44.8%
EPS beat(4)4
Avg EPS beat(4)41.3%
Min EPS beat(4)21.26%
Max EPS beat(4)63.4%
EPS beat(8)7
Avg EPS beat(8)37.89%
EPS beat(12)9
Avg EPS beat(12)29.8%
EPS beat(16)11
Avg EPS beat(16)19.23%
Revenue beat(2)2
Avg Revenue beat(2)1.76%
Min Revenue beat(2)0.29%
Max Revenue beat(2)3.23%
Revenue beat(4)2
Avg Revenue beat(4)-1.08%
Min Revenue beat(4)-7.77%
Max Revenue beat(4)3.23%
Revenue beat(8)4
Avg Revenue beat(8)-2.74%
Revenue beat(12)5
Avg Revenue beat(12)-3.11%
Revenue beat(16)8
Avg Revenue beat(16)0.07%
PT rev (1m)0.64%
PT rev (3m)13.82%
EPS NQ rev (1m)4.58%
EPS NQ rev (3m)-3.52%
EPS NY rev (1m)1.04%
EPS NY rev (3m)-3.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.6%
Revenue NY rev (1m)-2.74%
Revenue NY rev (3m)8.74%
Valuation
Industry RankSector Rank
PE 10.59
Fwd PE 8.61
P/S 2.69
P/FCF 18.76
P/OCF 17.8
P/B 0.9
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)2.21
EY9.44%
EPS(NY)2.72
Fwd EY11.61%
FCF(TTM)1.25
FCFY5.33%
OCF(TTM)1.31
OCFY5.62%
SpS8.7
BVpS26.04
TBVpS21.82
PEG (NY)2.25
PEG (5Y)10.8
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 8.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.04%
GM N/A
FCFM 14.33%
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 0.14
Debt/FCF 2.98
Debt/EBITDA N/A
Cap/Depr 22.48%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 55.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.69%
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)46.36%
EPS 3Y53.75%
EPS 5Y0.98%
EPS Q2Q%30.56%
EPS Next Y4.7%
EPS Next 2Y19.89%
EPS Next 3Y20.6%
EPS Next 5YN/A
Revenue 1Y (TTM)7.93%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%9.37%
Revenue Next Year17.82%
Revenue Next 2Y38.08%
Revenue Next 3Y26.78%
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-65.24%
FCF growth 3Y-20.04%
FCF growth 5Y7.68%
OCF growth 1Y-64.37%
OCF growth 3Y-21.94%
OCF growth 5Y-3.02%