INVESTAR HOLDING CORP(NASDAQ:ISTR) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, ISTR scores 4 out of 10 in our fundamental rating. ISTR was compared to 397 industry peers in the Banks industry. ISTR may be in some trouble as it scores bad on both profitability and health. ISTR has a correct valuation and a medium growth rate.

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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.

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

The Return On Assets of ISTR (0.74%) is comparable to the rest of the industry.

ISTR has a Return On Equity (8.39%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.74%
ROE	8.39%
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 Profit Margin of 24.45%. This is comparable to the rest of the industry: ISTR outperforms 56.93% of its industry peers.

ISTR's Profit Margin has been stable in the last couple of years.

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)	24.45%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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 2.19, which is a good value as it means it would take ISTR, 2.19 years of fcf income to pay off all of its debts.

ISTR has a Debt to FCF ratio of 2.19. This is comparable to the rest of the industry: ISTR outperforms 47.86% of its industry peers.

A Debt/Equity ratio of 0.14 indicates that ISTR is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.14, ISTR is doing good in the industry, outperforming 60.71% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	2.19
Altman-Z	N/A

ROIC/WACCN/A

WACC20.82%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for ISTR have decreased by -0.53% in the last year.

The Earnings Per Share has been growing slightly by 0.98% on average over the past years.

The Revenue has been growing slightly by 2.18% 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)-0.53%

EPS 3Y53.75%

EPS 5Y0.98%

EPS Q2Q%66.67%

Revenue 1Y (TTM)2.18%

Revenue growth 3Y-4.73%

Revenue growth 5Y3.13%

Sales Q2Q%11.31%

3.2 Future

ISTR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.03% yearly.

Based on estimates for the next years, ISTR will show a quite strong growth in Revenue. The Revenue will grow by 8.46% on average per year.

EPS Next Y-2.5%

EPS Next 2Y10.03%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year6.84%

Revenue Next 2Y8.46%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.24 indicates a reasonable valuation of ISTR.

ISTR's Price/Earnings ratio is a bit cheaper when compared to the industry. ISTR is cheaper than 70.78% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.10, ISTR is valued rather cheaply.

ISTR is valuated reasonably with a Price/Forward Earnings ratio of 10.50.

ISTR's Price/Forward Earnings ratio is in line with the industry average.

ISTR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.74.

		Industry Rank	Sector Rank
PE	10.24
Fwd PE	10.5

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as ISTR.

		Industry Rank	Sector Rank
P/FCF	12.32
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)10.44

EPS Next 2Y10.03%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.22%, ISTR has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.49, ISTR is paying slightly less dividend.

ISTR's Dividend Yield is comparable with the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	2.22%

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.

As ISTR did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)14.11%

Div Incr Years9

Div Non Decr Years9

5.3 Sustainability

19.61% of the earnings are spent on dividend by ISTR. This is a low number and sustainable payout ratio.

The dividend of ISTR is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP19.61%

EPS Next 2Y10.03%

EPS Next 3YN/A

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INVESTAR HOLDING CORP

NASDAQ:ISTR (5/6/2025, 10:14:32 AM)

19.35

-0.32 (-1.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-21 2025-07-21/amc

Inst Owners65.01%

Inst Owner Change0.61%

Ins Owners6.78%

Ins Owner Change6.47%

Market Cap190.02M

Analysts84.44

Price Target23.38 (20.83%)

Short Float %1.25%

Short Ratio3.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.22%

Yearly Dividend0.41

Dividend Growth(5Y)14.11%

DP19.61%

Div Incr Years9

Div Non Decr Years9

Ex-Date03-31 2025-03-31 (0.105)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)49.57%

Min EPS beat(2)35.75%

Max EPS beat(2)63.4%

EPS beat(4)4

Avg EPS beat(4)49.54%

Min EPS beat(4)19.64%

Max EPS beat(4)79.39%

EPS beat(8)6

Avg EPS beat(8)37.31%

EPS beat(12)8

Avg EPS beat(12)25.47%

EPS beat(16)10

Avg EPS beat(16)14.75%

Revenue beat(2)0

Avg Revenue beat(2)-3.92%

Min Revenue beat(2)-7.77%

Max Revenue beat(2)-0.07%

Revenue beat(4)2

Avg Revenue beat(4)-1.13%

Min Revenue beat(4)-7.77%

Max Revenue beat(4)2.47%

Revenue beat(8)2

Avg Revenue beat(8)-5.22%

Revenue beat(12)5

Avg Revenue beat(12)-0.36%

Revenue beat(16)7

Avg Revenue beat(16)-0.17%

PT rev (1m)0.73%

PT rev (3m)-3%

EPS NQ rev (1m)0%

EPS NQ rev (3m)18.72%

EPS NY rev (1m)0%

EPS NY rev (3m)-2.61%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.5%

Revenue NY rev (1m)-0.12%

Revenue NY rev (3m)-5.28%

Valuation

		Industry Rank	Sector Rank
PE	10.24
Fwd PE	10.5
P/S	2.29
P/FCF	12.32
P/OCF	11.93
P/B	0.79
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)1.89

EY9.77%

EPS(NY)1.84

Fwd EY9.52%

FCF(TTM)1.57

FCFY8.12%

OCF(TTM)1.62

OCFY8.38%

SpS8.44

BVpS24.57

TBVpS20.33

PEG (NY)N/A

PEG (5Y)10.44

Profitability

		Industry Rank	Sector Rank
ROA	0.74%
ROE	8.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.45%
GM	N/A
FCFM	18.62%

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-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	2.19
Debt/EBITDA	N/A
Cap/Depr	16.35%
Cap/Sales	0.61%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	76.15%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC20.82%

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%66.67%

EPS Next Y-2.5%

EPS Next 2Y10.03%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.18%

Revenue growth 3Y-4.73%

Revenue growth 5Y3.13%

Sales Q2Q%11.31%

Revenue Next Year6.84%

Revenue Next 2Y8.46%

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 1Y-38.74%

FCF growth 3Y-20.04%

FCF growth 5Y7.68%

OCF growth 1Y-39.32%

OCF growth 3Y-21.94%

OCF growth 5Y-3.02%

INVESTAR HOLDING CORP (ISTR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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