INVESTAR HOLDING CORP (ISTR) Stock Fundamental Analysis
USA - NASDAQ:ISTR - US46134L1052 - Common Stock
24.74 USD
+1.39 (+5.95%)
We assign a fundamental rating of 4 out of 10 to ISTR. ISTR was compared to 391 industry peers in the Banks industry. ISTR has a bad profitability rating. Also its financial health evaluation is rather negative. ISTR is growing strongly while it is still valued neutral. This is a good combination!
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.
Each year in the past 5 years ISTR has been profitable.
In the past 5 years ISTR always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.81%, ISTR perfoms like the industry average, outperforming 47.31% of the companies in the same industry.
ISTR has a Return On Equity (8.70%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
ISTR has a better Profit Margin (26.04%) than 64.45% 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 Rank | Sector 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
2. Health
2.1 Basic Checks
ISTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
ISTR has more shares outstanding than it did 1 year ago.
ISTR has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ISTR has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of ISTR is 2.98, which is a good value as it means it would take ISTR, 2.98 years of fcf income to pay off all of its debts.
ISTR has a worse Debt to FCF ratio (2.98) than 61.38% 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 of 0.14. This is comparable to the rest of the industry: ISTR outperforms 58.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
ISTR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.13% yearly.
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 Year18.63%
Revenue Next 2Y37.92%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.19, which indicates a very decent valuation of ISTR.
64.96% of the companies in the same industry are more expensive than ISTR, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.91. ISTR is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.11, which indicates a very decent valuation of ISTR.
ISTR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ISTR is cheaper than 70.33% of the companies in the same industry.
ISTR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 9.11 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ISTR is valued a bit more expensive than the industry average as 67.26% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.83 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ISTR does not grow enough to justify the current Price/Earnings ratio.
ISTR's earnings are expected to grow with 20.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.38
PEG (5Y)11.42
EPS Next 2Y19.89%
EPS Next 3Y20.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.88%, ISTR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.53, ISTR is paying slightly less dividend.
ISTR's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.88% |
5.2 History
The dividend of ISTR is nicely growing with an annual growth rate of 14.11%!
ISTR has paid a dividend for at least 10 years, which is a reliable track record.
ISTR has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)14.11%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
ISTR pays out 18.31% 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.
DP18.31%
EPS Next 2Y19.89%
EPS Next 3Y20.6%
NASDAQ:ISTR (10/24/2025, 8:00:02 PM)
24.74
+1.39 (+5.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.88%
Inst Owner Change-0.22%
Ins Owners7.36%
Ins Owner Change-0.02%
Market Cap243.19M
Revenue(TTM)85.55M
Net Income(TTM)22.27M
Analysts84.44
Price Target26.61 (7.56%)
Short Float %1.34%
Short Ratio3.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.88% |
Yearly Dividend0.41
Dividend Growth(5Y)14.11%
DP18.31%
Div Incr Years10
Div Non Decr Years10
Ex-Date
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%
PT rev (3m)0.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.58%
EPS NY rev (1m)0%
EPS NY rev (3m)1.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 9.11 | ||
| P/S | 2.84 | ||
| P/FCF | 19.83 | ||
| P/OCF | 18.82 | ||
| P/B | 0.95 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.21
EY8.93%
EPS(NY)2.72
Fwd EY10.98%
FCF(TTM)1.25
FCFY5.04%
OCF(TTM)1.31
OCFY5.31%
SpS8.7
BVpS26.04
TBVpS21.82
PEG (NY)2.38
PEG (5Y)11.42
Graham Number35.98
Profitability
| Industry Rank | Sector 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
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 3Y43.06%
PM growth 5Y0.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC19.25%
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 Year18.63%
Revenue Next 2Y37.92%
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%
INVESTAR HOLDING CORP / ISTR FAQ
What is the fundamental rating for ISTR stock?
ChartMill assigns a fundamental rating of 4 / 10 to ISTR.
What is the valuation status for ISTR stock?
ChartMill assigns a valuation rating of 4 / 10 to INVESTAR HOLDING CORP (ISTR). This can be considered as Fairly Valued.
What is the profitability of ISTR stock?
INVESTAR HOLDING CORP (ISTR) has a profitability rating of 3 / 10.
What is the expected EPS growth for INVESTAR HOLDING CORP (ISTR) stock?
The Earnings per Share (EPS) of INVESTAR HOLDING CORP (ISTR) is expected to grow by 4.7% in the next year.
How sustainable is the dividend of INVESTAR HOLDING CORP (ISTR) stock?
The dividend rating of INVESTAR HOLDING CORP (ISTR) is 6 / 10 and the dividend payout ratio is 18.31%.