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Investar Holding
(NASDAQ:ISTR)
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Rating:72Outperform
Price Target:
$33.00
â–²(9.05% Upside)
Action:Reiterated
Date:08/07/26
ISTR earns a solid overall score driven primarily by healthy profitability and improved recent growth with a currently reasonable leverage profile, while the biggest offset is weakened and volatile cash flow (notably negative TTM free cash flow growth). Technically, the stock is in an uptrend above key moving averages with positive MACD, and valuation is supportive at a moderate P/E with a modest dividend. Corporate updates add a positive bias via capital-return actions and operational progress, tempered by the need to monitor risk as the loan mix shifts.
Positive Factors
Revenue Growth and Profitability
Improving revenue scale alongside healthy net and EBIT margins supports the bank’s earnings capacity. Sustained profitability provides a foundation for reinvestment, capital returns, and absorbing normal credit or funding-cycle pressures.
Negative Factors
Weak and Volatile Cash Generation
Recent deterioration in operating and free cash flow reduces the reliability of internally generated funds. Although free cash flow remains close to earnings, continued volatility could constrain capital deployment, shareholder returns, or flexibility during funding stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profitability
Improving revenue scale alongside healthy net and EBIT margins supports the bank’s earnings capacity. Sustained profitability provides a foundation for reinvestment, capital returns, and absorbing normal credit or funding-cycle pressures.
Read all positive factors
Investar Holding Key Performance Indicators (KPIs)
Any
Loan Portfolio By Type
Analyzes the composition of loans by type, providing insights into the company's lending strategy, risk exposure, and potential for interest income growth.
Analyzes the composition of loans by type, providing insights into the company's lending strategy, risk exposure, and potential for interest income growth.
Data provided by:
The Fly
The FlyInvestar Holding (ISTR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$428.47M
Dividend Yield1.45%
Average Volume (3M)114.90K
Price to Earnings (P/E)12.0
Beta (1Y)0.82
Revenue Growth23.04%
EPS Growth15.23%
CountryUS
Employees421
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.60
Shares Outstanding13,777,026
10 Day Avg. Volume77,130
30 Day Avg. Volume114,902
Financial Highlights & Ratios
PEG Ratio1.55
Price to Book (P/B)0.87
Price to Sales (P/S)1.71
P/FCF Ratio15.61
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.16
Revenue Forecast (FY)$147.40M
Investar Holding Business Overview & Revenue Model
Company Description
Investar Holding Corporation acts as the parent company for Investar Bank, delivering a wide spectrum of financial products and services. The bank caters to both individual clients and small to mid-sized businesses throughout South Louisiana. Its ...
How the Company Makes Money
Investar primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest and fees on loans and other interest-earning assets (e.g., investment securities) and paying interest o...
Investar Holding Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 188.56M | 153.49M | 156.52M | 141.06M | 123.18M | 107.99M |
| Gross Profit | 116.41M | 93.56M | 85.89M | 84.38M | 105.47M | 73.38M |
| EBITDA | 39.03M | 30.60M | 27.50M | 24.21M | 48.78M | 14.90M |
| Net Income | 33.61M | 22.90M | 20.25M | 16.68M | 35.71M | 8.00M |
Balance Sheet | ||||||
| Total Assets | 3.86B | 2.83B | 2.72B | 2.82B | 2.75B | 2.51B |
| Cash, Cash Equivalents and Short-Term Investments | 534.96M | 397.22M | 34.12M | 393.93M | 445.23M | 452.05M |
| Total Debt | 194.37M | 152.75M | 101.02M | 85.08M | 439.74M | 135.66M |
| Total Liabilities | 3.44B | 2.53B | 2.48B | 2.59B | 2.54B | 2.27B |
| Stockholders Equity | 420.13M | 301.07M | 241.30M | 226.77M | 215.78M | 242.60M |
Cash Flow | ||||||
| Free Cash Flow | 24.99M | 16.83M | 15.42M | 25.18M | 41.69M | 30.16M |
| Operating Cash Flow | 27.14M | 18.22M | 15.93M | 26.25M | 42.75M | 33.48M |
| Investing Cash Flow | 71.15M | -83.91M | 90.06M | -73.49M | -350.99M | 53.40M |
| Financing Cash Flow | -81.21M | 79.27M | -110.08M | 38.99M | 251.46M | -25.21M |
Investar Holding Technical Analysis
Positive
30.26
Price Trends
30.01
Positive
29.23
Positive
28.20
Positive
Market Momentum
0.14
Negative
61.78
Neutral
81.74
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISTR, the sentiment is Positive. The current price of 30.26 is below the 20-day moving average (MA) of 30.40, above the 50-day MA of 30.01, and above the 200-day MA of 28.20, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 61.78 is Neutral, neither overbought nor oversold. The STOCH value of 81.74 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ISTR.
Investar Holding Risk Analysis
Investar Holding disclosed 39 risk factors in its most recent earnings report. Investar Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Investar Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $337.60M | 13.00 | 12.52% | 1.39% | 4.97% | 28.06% | |
76 Outperform | $293.44M | 12.28 | 11.31% | 2.15% | 5.96% | -3.47% | |
75 Outperform | $286.26M | 11.46 | 12.22% | 2.34% | 6.51% | 5.38% | |
75 Outperform | $378.41M | 11.09 | 10.98% | 3.66% | 42.39% | 1119.11% | |
72 Outperform | $428.47M | 11.96 | 9.39% | 1.45% | 23.04% | 15.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
ISTR
Investar Holding
31.10
8.51
37.66%
FUNC
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44.36
8.46
23.55%
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34.71
9.15
35.78%
OVLY
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34.88
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22.48%
FVCB
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18.72
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Investar Holding Corporate Events
Business Operations and StrategyExecutive/Board ChangesStock BuybackDividendsFinancial Disclosures
Investar Holding Reports Strong Q2 Results and Growth
Positive
Jul 20, 2026
On July 17, 2026, Investar Holding, through Investar Bank, renewed and formalized long-term employment and compensation arrangements with senior executives Linda M. Crochet and Jeffrey W. Martin, securing leadership continuity in operations and ri...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Investar Holding Shareholders Approve Expanded Long-Term Incentive Plan
Positive
May 22, 2026
At Investar Holding Corporation’s 2026 Annual Meeting of Shareholders on May 20, 2026, investors approved the Second Amended and Restated 2017 Long-Term Incentive Compensation Plan, which authorizes up to 1,800,000 shares of common stock for...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.