INVESTAR HOLDING CORP (ISTR) Stock Fundamental Analysis
USA - NASDAQ:ISTR - US46134L1052 - Common Stock
23.94 USD
+0.16 (+0.67%)
ISTR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. ISTR may be in some trouble as it scores bad on both profitability and health. 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.
Each year in the past 5 years ISTR had a positive operating cash flow.
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 51.03% of the companies in the same industry.
| 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's Profit Margin of 26.04% is fine compared to the rest of the industry. ISTR outperforms 63.66% 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.
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.
The debt/assets ratio for ISTR has been reduced compared to a year ago.
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 60.82% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that ISTR is not too dependend on debt financing.
ISTR has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: ISTR outperforms 57.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.42%
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.
ISTR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.98% yearly.
ISTR shows a small growth in Revenue. In the last year, the Revenue has grown by 7.93%.
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
Based on estimates for the next years, ISTR will show a very strong growth in Earnings Per Share. The EPS will grow by 21.21% on average per year.
ISTR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.70% yearly.
EPS Next Y17.92%
EPS Next 2Y28.44%
EPS Next 3Y21.21%
EPS Next 5YN/A
Revenue Next Year13.86%
Revenue Next 2Y39.21%
Revenue Next 3Y26.7%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.83, the valuation of ISTR can be described as reasonable.
Based on the Price/Earnings ratio, ISTR is valued a bit cheaper than 63.14% of the companies in the same industry.
ISTR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.28.
A Price/Forward Earnings ratio of 7.68 indicates a rather cheap 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 86.60% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.61. ISTR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.83 | ||
| Fwd PE | 7.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ISTR is valued a bit more expensive than 67.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 21.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)11.05
EPS Next 2Y28.44%
EPS Next 3Y21.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.87%, ISTR has a reasonable but not impressive dividend return.
ISTR's Dividend Yield is slightly below the industry average, which is at 3.38.
Compared to the average S&P500 Dividend Yield of 2.36, ISTR is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
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 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
18.31% of the earnings are spent on dividend by ISTR. This is a low number and sustainable payout ratio.
ISTR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP18.31%
EPS Next 2Y28.44%
EPS Next 3Y21.21%
NASDAQ:ISTR (11/11/2025, 4:30:02 PM)
23.94
+0.16 (+0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.88%
Inst Owner Change-0.23%
Ins Owners7.36%
Ins Owner Change-0.01%
Market Cap235.33M
Revenue(TTM)85.55M
Net Income(TTM)22.27M
Analysts84.44
Price Target29.16 (21.8%)
Short Float %1.6%
Short Ratio3.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
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)9.58%
PT rev (3m)9.58%
EPS NQ rev (1m)16.06%
EPS NQ rev (3m)16.91%
EPS NY rev (1m)12.63%
EPS NY rev (3m)13.8%
Revenue NQ rev (1m)3.11%
Revenue NQ rev (3m)4.27%
Revenue NY rev (1m)-4.02%
Revenue NY rev (3m)-3.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.83 | ||
| Fwd PE | 7.68 | ||
| P/S | 2.75 | ||
| P/FCF | 19.19 | ||
| P/OCF | 18.21 | ||
| P/B | 0.92 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.21
EY9.23%
EPS(NY)3.12
Fwd EY13.02%
FCF(TTM)1.25
FCFY5.21%
OCF(TTM)1.31
OCFY5.49%
SpS8.7
BVpS26.04
TBVpS21.82
PEG (NY)0.6
PEG (5Y)11.05
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
WACC19.42%
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 Y17.92%
EPS Next 2Y28.44%
EPS Next 3Y21.21%
EPS Next 5YN/A
Revenue 1Y (TTM)7.93%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%9.37%
Revenue Next Year13.86%
Revenue Next 2Y39.21%
Revenue Next 3Y26.7%
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 6 / 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 17.92% 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%.