INVESTAR HOLDING CORP (ISTR) Stock Fundamental Analysis

NASDAQ:ISTR • US46134L1052

30.1 USD
+0.23 (+0.77%)
At close: Feb 17, 2026
30.1 USD
0 (0%)
After Hours: 2/17/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, ISTR scores 4 out of 10 in our fundamental rating. ISTR was compared to 381 industry peers in the Banks industry. ISTR may be in some trouble as it scores bad on both profitability and health. ISTR is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ISTR was profitable.
  • ISTR had a positive operating cash flow in the past year.
  • In the past 5 years ISTR has always been profitable.
  • Each year in the past 5 years ISTR had a positive operating cash flow.
ISTR Yearly Net Income VS EBIT VS OCF VS FCFISTR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

  • The Return On Assets of ISTR (0.80%) is comparable to the rest of the industry.
  • ISTR has a worse Return On Equity (7.63%) than 60.63% of its industry peers.
Industry RankSector 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
ISTR Yearly ROA, ROE, ROICISTR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ISTR's Profit Margin of 25.22% is in line compared to the rest of the industry. ISTR outperforms 55.91% 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 RankSector 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
ISTR Yearly Profit, Operating, Gross MarginsISTR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • Compared to 1 year ago, ISTR has an improved debt to assets ratio.
ISTR Yearly Shares OutstandingISTR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
ISTR Yearly Total Debt VS Total AssetsISTR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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 62.73% 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's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. ISTR outperforms 58.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 3.06
Altman-Z N/A
ROIC/WACCN/A
WACC15.85%
ISTR Yearly LT Debt VS Equity VS FCFISTR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ISTR Yearly Current Assets VS Current LiabilitesISTR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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 been growing slightly by 2.19% in the past year.
  • 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%-10.77%
Revenue 1Y (TTM)2.19%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%11.77%

3.2 Future

  • ISTR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.32% yearly.
  • Based on estimates for the next years, ISTR will show a very strong growth in Revenue. The Revenue will grow by 26.48% on average per year.
EPS Next Y20.35%
EPS Next 2Y31.41%
EPS Next 3Y23.32%
EPS Next 5YN/A
Revenue Next Year13.8%
Revenue Next 2Y38.76%
Revenue Next 3Y26.48%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ISTR Yearly Revenue VS EstimatesISTR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
ISTR Yearly EPS VS EstimatesISTR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.93 indicates a correct valuation of ISTR.
  • Based on the Price/Earnings ratio, ISTR is valued a bit more expensive than the industry average as 72.44% of the companies are valued more cheaply.
  • ISTR is valuated rather cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
  • ISTR is valuated reasonably with a Price/Forward Earnings ratio of 9.22.
  • Based on the Price/Forward Earnings ratio, ISTR is valued cheaply inside the industry as 82.41% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.10. ISTR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 15.93
Fwd PE 9.22
ISTR Price Earnings VS Forward Price EarningsISTR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ISTR is valued a bit more expensive than 79.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 31.22
EV/EBITDA N/A
ISTR Per share dataISTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • ISTR's 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 23.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)16.24
EPS Next 2Y31.41%
EPS Next 3Y23.32%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.49%, ISTR has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, ISTR is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, ISTR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.49%

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.
  • 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
ISTR Yearly Dividends per shareISTR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 18.53% 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.
DP18.53%
EPS Next 2Y31.41%
EPS Next 3Y23.32%
ISTR Yearly Income VS Free CF VS DividendISTR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
ISTR Dividend Payout.ISTR Dividend Payout, showing the Payout Ratio.ISTR Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

INVESTAR HOLDING CORP

NASDAQ:ISTR (2/17/2026, 4:30:02 PM)

After market: 30.1 0 (0%)

30.1

+0.23 (+0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners65.76%
Inst Owner Change5.03%
Ins Owners7.11%
Ins Owner Change1.17%
Market Cap413.88M
Revenue(TTM)82.84M
Net Income(TTM)22.55M
Analysts84.44
Price Target33.92 (12.69%)
Short Float %1.09%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 1.49%
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)13.03%
PT rev (3m)16.33%
EPS NQ rev (1m)3.48%
EPS NQ rev (3m)3.48%
EPS NY rev (1m)1.83%
EPS NY rev (3m)2.06%
Revenue NQ rev (1m)-2.05%
Revenue NQ rev (3m)-2.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.06%
Valuation
Industry RankSector Rank
PE 15.93
Fwd PE 9.22
P/S 4.63
P/FCF 31.22
P/OCF 28.93
P/B 1.4
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)1.89
EY6.28%
EPS(NY)3.26
Fwd EY10.84%
FCF(TTM)0.96
FCFY3.2%
OCF(TTM)1.04
OCFY3.46%
SpS6.5
BVpS21.48
TBVpS18.47
PEG (NY)0.78
PEG (5Y)16.24
Graham Number30.22
Profitability
Industry RankSector 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 RankSector 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
WACC15.85%
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%-10.77%
EPS Next Y20.35%
EPS Next 2Y31.41%
EPS Next 3Y23.32%
EPS Next 5YN/A
Revenue 1Y (TTM)2.19%
Revenue growth 3Y-4.73%
Revenue growth 5Y3.13%
Sales Q2Q%11.77%
Revenue Next Year13.8%
Revenue Next 2Y38.76%
Revenue Next 3Y26.48%
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 5 / 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%.