27.62 USD
+0.69 (+2.56%)
ISTR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. ISTR has a bad profitability rating. Also its financial health evaluation is rather negative. ISTR has a correct valuation and a medium growth rate.
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.
- In the past 5 years ISTR has always 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 0.80%, ISTR perfoms like the industry average, outperforming 42.04% of the companies in the same industry.
- With a Return On Equity value of 7.63%, ISTR is not doing good in the industry: 61.88% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.63% | ||
| 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
- The Profit Margin of ISTR (25.22%) is comparable to the rest of the industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.22% | ||
| 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.
- Compared to 1 year ago, ISTR has more shares outstanding
- ISTR has less shares outstanding than it did 5 years ago.
- ISTR has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of ISTR is 3.06, which is a good value as it means it would take ISTR, 3.06 years of fcf income to pay off all of its debts.
- ISTR's Debt to FCF ratio of 3.06 is on the low side compared to the rest of the industry. ISTR is outperformed by 63.19% 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 59.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 3.06 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for ISTR have decreased by -0.53% in the last year.
- 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 grown by 11.16% 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 3.13% on average per year.
EPS 1Y (TTM)-0.53%
EPS 3Y53.75%
EPS 5Y0.98%
EPS Q2Q%-9.79%
Revenue 1Y (TTM)11.16%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%19.5%
3.2 Future
- ISTR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.42% yearly.
- Based on estimates for the next years, ISTR will show a very strong growth in Revenue. The Revenue will grow by 26.75% on average per year.
EPS Next Y18.19%
EPS Next 2Y28.79%
EPS Next 3Y21.42%
EPS Next 5YN/A
Revenue Next Year13.8%
Revenue Next 2Y39.27%
Revenue Next 3Y26.75%
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.
- 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
- The Price/Earnings ratio is 14.61, which indicates a correct valuation of ISTR.
- Compared to the rest of the industry, the Price/Earnings ratio of ISTR indicates a slightly more expensive valuation: ISTR is more expensive than 61.36% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of ISTR to the average of the S&P500 Index (27.33), we can say ISTR is valued slightly cheaper.
- Based on the Price/Forward Earnings ratio of 8.81, the valuation of ISTR can be described as reasonable.
- Based on the Price/Forward Earnings ratio, ISTR is valued cheaply inside the industry as 82.77% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of ISTR to the average of the S&P500 Index (24.12), we can say ISTR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.61 | ||
| Fwd PE | 8.81 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ISTR is valued a bit more expensive than the industry average as 72.58% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.44 | ||
| 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.
- A more expensive valuation may be justified as ISTR's earnings are expected to grow with 21.42% in the coming years.
PEG (NY)0.8
PEG (5Y)14.9
EPS Next 2Y28.79%
EPS Next 3Y21.42%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.62%, ISTR has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.89, ISTR is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.91, ISTR has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.62% |
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
5.3 Sustainability
- ISTR pays out 18.53% 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.
DP18.53%
EPS Next 2Y28.79%
EPS Next 3Y21.42%
NASDAQ:ISTR (1/15/2026, 4:30:03 PM)
27.62
+0.69 (+2.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners65.76%
Inst Owner Change0%
Ins Owners7.11%
Ins Owner Change-0.01%
Market Cap270.95M
Revenue(TTM)89.41M
Net Income(TTM)22.55M
Analysts84.44
Price Target30.01 (8.65%)
Short Float %1.31%
Short Ratio3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.62% |
Yearly Dividend0.41
Dividend Growth(5Y)14.11%
DP18.53%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.38%
Min Revenue beat(2)-3.99%
Max Revenue beat(2)3.23%
Revenue beat(4)2
Avg Revenue beat(4)-0.13%
Min Revenue beat(4)-3.99%
Max Revenue beat(4)3.23%
Revenue beat(8)4
Avg Revenue beat(8)-1.79%
Revenue beat(12)4
Avg Revenue beat(12)-3.7%
Revenue beat(16)7
Avg Revenue beat(16)-0.49%
PT rev (1m)2.92%
PT rev (3m)12.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.28%
EPS NY rev (1m)0.23%
EPS NY rev (3m)12.89%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-17.57%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-4.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.61 | ||
| Fwd PE | 8.81 | ||
| P/S | 3.03 | ||
| P/FCF | 20.44 | ||
| P/OCF | 18.94 | ||
| P/B | 0.92 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.89
EY6.84%
EPS(NY)3.13
Fwd EY11.35%
FCF(TTM)1.35
FCFY4.89%
OCF(TTM)1.46
OCFY5.28%
SpS9.11
BVpS30.1
TBVpS25.89
PEG (NY)0.8
PEG (5Y)14.9
Graham Number35.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.22% | ||
| GM | N/A | ||
| FCFM | 14.83% |
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 | 3.06 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 36.7% | ||
| Cap/Sales | 1.17% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 58.81% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC18.47%
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)-0.53%
EPS 3Y53.75%
EPS 5Y0.98%
EPS Q2Q%-9.79%
EPS Next Y18.19%
EPS Next 2Y28.79%
EPS Next 3Y21.42%
EPS Next 5YN/A
Revenue 1Y (TTM)11.16%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%19.5%
Revenue Next Year13.8%
Revenue Next 2Y39.27%
Revenue Next 3Y26.75%
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-60.93%
FCF growth 3Y-20.04%
FCF growth 5Y7.68%
OCF growth 1Y-59.31%
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.
Can you provide the valuation status for INVESTAR HOLDING CORP?
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.
Can you provide the financial health for ISTR stock?
The financial health rating of INVESTAR HOLDING CORP (ISTR) is 2 / 10.
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 18.53%.