INVESTAR HOLDING CORP (ISTR) Fundamental Analysis & Valuation

NASDAQ:ISTR • US46134L1052

Current stock price

27.41 USD
-1.02 (-3.59%)
At close:
27.41 USD
0 (0%)
After Hours:

This ISTR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. ISTR Profitability Analysis

1.1 Basic Checks

  • In the past year ISTR was profitable.
  • ISTR had a positive operating cash flow in the past year.
  • Each year in the past 5 years ISTR has been profitable.
  • ISTR had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • ISTR's Return On Assets of 0.77% is on the low side compared to the rest of the industry. ISTR is outperformed by 68.09% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.26%, ISTR is doing worse than 70.21% of the companies in the same industry.
Industry RankSector Rank
ROA 0.77%
ROE 7.26%
ROIC N/A
ROA(3y)0.7%
ROA(5y)0.74%
ROE(3y)7.67%
ROE(5y)8.57%
ROIC(3y)N/A
ROIC(5y)N/A
ISTR Yearly ROA, ROE, ROICISTR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • ISTR has a Profit Margin (24.21%) which is in line with its industry peers.
  • ISTR's Profit Margin has improved in the last couple of years.
  • 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) 24.21%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.8%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
ISTR Yearly Profit, Operating, Gross MarginsISTR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. ISTR Health Analysis

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 less shares outstanding
  • ISTR has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ISTR is higher compared to a year ago.
ISTR Yearly Shares OutstandingISTR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
ISTR Yearly Total Debt VS Total AssetsISTR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • ISTR has a debt to FCF ratio of 2.18. This is a good value and a sign of high solvency as ISTR would need 2.18 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 2.18, ISTR perfoms like the industry average, outperforming 45.48% of the companies in the same industry.
  • A Debt/Equity ratio of 0.12 indicates that ISTR is not too dependend on debt financing.
  • ISTR has a Debt to Equity ratio of 0.12. This is in the better half of the industry: ISTR outperforms 60.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 2.18
Altman-Z N/A
ROIC/WACCN/A
WACC17.04%
ISTR Yearly LT Debt VS Equity VS FCFISTR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. ISTR Growth Analysis

3.1 Past

  • ISTR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.14%, which is quite good.
  • Measured over the past years, ISTR shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.01% on average per year.
  • The Revenue has grown by 8.93% in the past year. This is quite good.
  • Measured over the past years, ISTR shows a small growth in Revenue. The Revenue has been growing by 1.06% on average per year.
EPS 1Y (TTM)17.14%
EPS 3Y-5.35%
EPS 5Y13.01%
EPS Q2Q%35.94%
Revenue 1Y (TTM)8.93%
Revenue growth 3Y-5.87%
Revenue growth 5Y1.06%
Sales Q2Q%75.08%

3.2 Future

  • ISTR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.62% yearly.
  • The Revenue is expected to grow by 32.94% on average over the next years. This is a very strong growth
EPS Next Y44.69%
EPS Next 2Y25.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year68.03%
Revenue Next 2Y32.94%
Revenue Next 3YN/A
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. ISTR Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.14, which indicates a very decent valuation of ISTR.
  • 60.90% 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 27.47, ISTR is valued rather cheaply.
  • ISTR is valuated cheaply with a Price/Forward Earnings ratio of 7.79.
  • 89.36% of the companies in the same industry are more expensive than ISTR, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.62. ISTR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.14
Fwd PE 7.79
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

  • 77.66% of the companies in the same industry are cheaper than ISTR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.37
EV/EBITDA N/A
ISTR Per share dataISTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • ISTR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ISTR's earnings are expected to grow with 25.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)0.86
EPS Next 2Y25.62%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ISTR Dividend Analysis

5.1 Amount

  • ISTR has a Yearly Dividend Yield of 1.55%.
  • Compared to an average industry Dividend Yield of 2.57, ISTR is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.81, ISTR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.55%

5.2 History

  • The dividend of ISTR is nicely growing with an annual growth rate of 14.44%!
  • ISTR has been paying a dividend for at least 10 years, so it has a reliable track record.
  • ISTR has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)14.44%
Div Incr Years11
Div Non Decr Years11
ISTR Yearly Dividends per shareISTR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • ISTR pays out 21.76% 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.
DP21.76%
EPS Next 2Y25.62%
EPS Next 3YN/A
ISTR Yearly Income VS Free CF VS DividendISTR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
ISTR Dividend Payout.ISTR Dividend Payout, showing the Payout Ratio.ISTR Dividend Payout.PayoutRetained Earnings

More info and screens

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ISTR Fundamentals: All Metrics, Ratios and Statistics

INVESTAR HOLDING CORP

NASDAQ:ISTR (4/23/2026, 4:30:03 PM)

After market: 27.41 0 (0%)

27.41

-1.02 (-3.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners48.01%
Inst Owner Change0%
Ins Owners8.63%
Ins Owner Change2.96%
Market Cap376.61M
Revenue(TTM)90.24M
Net Income(TTM)21.85M
Analysts82.5
Price Target33.83 (23.42%)
Short Float %2.25%
Short Ratio1.97
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
Yearly Dividend0.48
Dividend Growth(5Y)14.44%
DP21.76%
Div Incr Years11
Div Non Decr Years11
Ex-Date03-31
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.95%
Min EPS beat(2)7.97%
Max EPS beat(2)15.93%
EPS beat(4)4
Avg EPS beat(4)22.49%
Min EPS beat(4)7.97%
Max EPS beat(4)44.8%
EPS beat(8)8
Avg EPS beat(8)36.02%
EPS beat(12)10
Avg EPS beat(12)32.37%
EPS beat(16)12
Avg EPS beat(16)24.72%
Revenue beat(2)1
Avg Revenue beat(2)-0.26%
Min Revenue beat(2)-5.69%
Max Revenue beat(2)5.17%
Revenue beat(4)3
Avg Revenue beat(4)0.75%
Min Revenue beat(4)-5.69%
Max Revenue beat(4)5.17%
Revenue beat(8)5
Avg Revenue beat(8)-0.19%
Revenue beat(12)5
Avg Revenue beat(12)-3.23%
Revenue beat(16)8
Avg Revenue beat(16)-0.08%
PT rev (1m)-0.25%
PT rev (3m)8.74%
EPS NQ rev (1m)-1.22%
EPS NQ rev (3m)-1.93%
EPS NY rev (1m)-1.15%
EPS NY rev (3m)2.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.42%
Valuation
Industry RankSector Rank
PE 11.14
Fwd PE 7.79
P/S 4.17
P/FCF 22.37
P/OCF 20.67
P/B 1.25
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)2.46
EY8.97%
EPS(NY)3.52
Fwd EY12.84%
FCF(TTM)1.23
FCFY4.47%
OCF(TTM)1.33
OCFY4.84%
SpS6.57
BVpS21.91
TBVpS18.91
PEG (NY)0.25
PEG (5Y)0.86
Graham Number34.8258 (27.06%)
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 7.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.21%
GM N/A
FCFM 18.65%
ROA(3y)0.7%
ROA(5y)0.74%
ROE(3y)7.67%
ROE(5y)8.57%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.8%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 2.18
Debt/EBITDA N/A
Cap/Depr 49.53%
Cap/Sales 1.53%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 77.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.04%
ROIC/WACCN/A
Cap/Depr(3y)31.41%
Cap/Depr(5y)36.93%
Cap/Sales(3y)1.16%
Cap/Sales(5y)1.58%
Profit Quality(3y)101.38%
Profit Quality(5y)159.59%
High Growth Momentum
Growth
EPS 1Y (TTM)17.14%
EPS 3Y-5.35%
EPS 5Y13.01%
EPS Q2Q%35.94%
EPS Next Y44.69%
EPS Next 2Y25.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.93%
Revenue growth 3Y-5.87%
Revenue growth 5Y1.06%
Sales Q2Q%75.08%
Revenue Next Year68.03%
Revenue Next 2Y32.94%
Revenue Next 3YN/A
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 1Y9.16%
FCF growth 3Y-26.09%
FCF growth 5Y10.63%
OCF growth 1Y14.37%
OCF growth 3Y-24.75%
OCF growth 5Y0.52%

INVESTAR HOLDING CORP / ISTR Fundamental Analysis FAQ

What is the fundamental rating for ISTR stock?

ChartMill assigns a fundamental rating of 5 / 10 to ISTR.


Can you provide the valuation status for INVESTAR HOLDING CORP?

ChartMill assigns a valuation rating of 6 / 10 to INVESTAR HOLDING CORP (ISTR). This can be considered as Fairly Valued.


How profitable is INVESTAR HOLDING CORP (ISTR) stock?

INVESTAR HOLDING CORP (ISTR) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for ISTR stock?

The Earnings per Share (EPS) of INVESTAR HOLDING CORP (ISTR) is expected to grow by 44.69% in the next year.


Is the dividend of INVESTAR HOLDING CORP sustainable?

The dividend rating of INVESTAR HOLDING CORP (ISTR) is 6 / 10 and the dividend payout ratio is 21.76%.