INVESTAR HOLDING CORP (ISTR)
US46134L1052 - Common Stock
Taking everything into account, ISTR scores 3 out of 10 in our fundamental rating. ISTR was compared to 412 industry peers in the Banks industry. ISTR may be in some trouble as it scores bad on both profitability and health. ISTR has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
ISTR had positive earnings in the past year.
In the past year ISTR had a positive cash flow from operations.
ISTR had positive earnings in each of the past 5 years.
ISTR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ISTR has a worse Return On Assets (0.59%) than 73.30% of its industry peers.
ISTR has a Return On Equity of 7.36%. This is in the lower half of the industry: ISTR underperforms 64.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 7.36% | ||
| ROIC | N/A |
ROA(3y)0.74%
ROA(5y)0.72%
ROE(3y)9.06%
ROE(5y)7.95%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 20.57%, ISTR is doing worse than 64.56% of the companies in the same industry.
ISTR's Profit Margin has been stable 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.57% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.47%
PM growth 5Y-1.37%
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 less shares outstanding than it did 1 year ago.
ISTR has more shares outstanding than it did 5 years ago.
ISTR has a worse debt/assets ratio than last year.
2.2 Solvency
ISTR has a debt to FCF ratio of 2.45. This is a good value and a sign of high solvency as ISTR would need 2.45 years to pay back of all of its debts.
ISTR's Debt to FCF ratio of 2.45 is in line compared to the rest of the industry. ISTR outperforms 51.21% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that ISTR is not too dependend on debt financing.
ISTR's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. ISTR outperforms 42.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 2.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ISTR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.76%.
Measured over the past 5 years, ISTR shows a small growth in Earnings Per Share. The EPS has been growing by 3.76% on average per year.
Looking at the last year, ISTR shows a very negative growth in Revenue. The Revenue has decreased by -25.04% in the last year.
ISTR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.61% yearly.
EPS 1Y (TTM)-27.76%
EPS 3Y16.23%
EPS 5Y3.76%
EPS growth Q2Q-37.1%
Revenue 1Y (TTM)-25.04%
Revenue growth 3Y-1.8%
Revenue growth 5Y5.61%
Revenue growth Q2Q-22.01%
3.2 Future
The Earnings Per Share is expected to grow by 2.84% on average over the next years.
ISTR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.47% yearly.
EPS Next Y-33.25%
EPS Next 2Y2.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.84%
Revenue Next 2Y4.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
ISTR is valuated reasonably with a Price/Earnings ratio of 8.60.
66.02% 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 28.28. ISTR is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 12.88 indicates a correct valuation of ISTR.
Based on the Price/Forward Earnings ratio, ISTR is valued a bit more expensive than the industry average as 66.99% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.88, ISTR is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.6 | ||
| Fwd PE | 12.88 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ISTR is valued a bit cheaper than the industry average as 76.94% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.29
EPS Next 2Y2.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.46%, ISTR has a reasonable but not impressive dividend return.
ISTR's Dividend Yield is slightly below the industry average, which is at 3.81.
Compared to an average S&P500 Dividend Yield of 2.41, ISTR has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
5.2 History
On average, the dividend of ISTR grows each year by 20.39%, which is quite nice.
ISTR has paid a dividend for at least 10 years, which is a reliable track record.
ISTR has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)20.39%
Div Incr Years9
Div Non Decr Years9
5.3 Sustainability
23.05% 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.
DP23.05%
EPS Next 2Y2.84%
EPS Next 3YN/A
INVESTAR HOLDING CORP
NASDAQ:ISTR (5/3/2024, 7:00:02 PM)
16.34
+0.04 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap159.81M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.6 | ||
| Fwd PE | 12.88 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 7.36% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 20.57% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-27.76%
EPS 3Y16.23%
EPS 5Y
EPS growth Q2Q
EPS Next Y-33.25%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-25.04%
Revenue growth 3Y-1.8%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y