ISTR Stock Analysis: Investar Holding | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 417m USD | 12M Return: 34.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.25M
EPS Trend: 28.3%
Qual. Beats: 1
Rev. Trend: 89.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Investar Holding Corporation (ISTR) is the bank holding company for Investar Bank, a regional commercial bank founded in 2006 and headquartered in Baton Rouge, Louisiana. The company serves individuals, professionals, and small to medium-sized businesses across south Louisiana, southeast Texas, and Alabama, offering a full suite of deposit products (savings, checking, money market, IRAs, CDs) and lending solutions spanning commercial real estate, commercial and industrial, construction and development, one-to-four family residential, and consumer loans. Investar also provides treasury management services, digital and mobile banking channels, payment solutions such as Zelle and mobile wallets, and traditional branch services like cashiers checks and ATMs.
As a U.S. community/regional bank, Investar operates under the bank holding company structure typical of the industry, which allows it to own the operating bank subsidiary while maintaining flexibility for capital management and potential non-banking activities. The company is classified within the GICS Regional Banks sub-industry, a segment that generally competes on local relationship banking, geographic concentration, and net interest margin rather than the scale-driven models of large money-center banks.
- Net interest margin faces pressure from Fed rate cuts
- Commercial real estate loan growth outpaces core deposit expansion
- Credit quality deteriorates amid Louisiana energy sector exposure
| Net Income: 28.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.13 > 1.0 |
| NWC/Revenue: -1.58k% < 20% (prev -1.26k%; Δ -317.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 23.7m > Net Income 28.6m |
| Net Debt (-349.5m) to EBITDA (33.3m): -10.49 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.9m) vs 12m ago 49.89% < -2% |
| Gross Margin: 60.07% > 18% (prev 57.37%; Δ 2.70% > 0.5%) |
| Asset Turnover: 5.15% > 50% (prev 5.68%; Δ -0.52% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBIT TTM 29.9m / Interest Expense TTM 67.7m) |
| A: -0.69 (Total Current Assets 563.5m - Total Current Liabilities 3.25b) / Total Assets 3.88b |
| B: 0.04 (Retained Earnings 160.5m / Total Assets 3.88b) |
| C: 0.01 (EBIT TTM 29.9m / Avg Total Assets 3.30b) |
| D: 0.12 (Book Value of Equity 414.6m / Total Liabilities 3.46b) |
| Altman-Z'' = -4.23 = D |
| DSRI: 1.18 (Receivables 19.8m/15.3m, Revenue 170.2m/154.9m) |
| GMI: 0.96 (GM 57.37% / 60.07%) |
| AQI: 1.00 (AQ_t 0.84 / AQ_t-1 0.84) |
| SGI: 1.10 (Revenue 170.2m / 154.9m) |
| TATA: 0.00 (NI 28.6m - CFO 23.7m) / TA 3.88b) |
| Beneish M = -2.85 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 29.19 with a total of 156,865 shares traded. Over the past week, the price has changed by -1.95%, over one month by +1.06%, over three months by +5.50% and over the past year by +34.83%.
Current recommended Stop Loss: 28.30 (which is 3% or 1.2 ATR below the current price).
Investar Holding has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy ISTR.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 33 | 13.1% |
P/E Trailing = 13.3084
P/E Forward = 9.8425
P/S = 3.89
P/B = 1.0847
Revenue TTM = 170.2m USD
EBIT TTM = 29.9m USD
EBITDA TTM = 33.3m USD
Long Term Debt = 175.8m USD (from longTermDebt, last quarter)
Short Term Debt = 18.4m USD (from shortTermDebt, last quarter)
Debt = 194.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -349.5m USD (calculated: Debt 194.2m - CCE 543.7m)
Enterprise Value = 67.2m USD (416.7m + Debt 194.2m - CCE 543.7m)
Interest Coverage Ratio = 0.44 (Ebit TTM 29.9m / Interest Expense TTM 67.7m)
EV/FCF = 3.07x (Enterprise Value 67.2m / FCF TTM 21.9m)
FCF Yield = 32.54% (FCF TTM 21.9m / Enterprise Value 67.2m)
FCF Margin = 12.84% (FCF TTM 21.9m / Revenue TTM 170.2m)
Net Margin = 16.82% (Net Income TTM 28.6m / Revenue TTM 170.2m)
Gross Margin = 60.07% ((Revenue TTM 170.2m - Cost of Revenue TTM 68.0m) / Revenue TTM)
Gross Margin QoQ = 61.39% (prev 60.23%)
Tobins Q-Ratio = 0.02 (Enterprise Value 67.2m / Total Assets 3.88b)
Interest Expense / Debt = 34.87% (Interest Expense 67.7m / Debt 194.2m)
Taxrate = 18.37% (6.45m / 35.1m)
NOPAT = 24.4m (EBIT 29.9m * (1 - 18.37%))
Current Ratio = 0.17 (Total Current Assets 563.5m / Total Current Liabilities 3.25b)
Debt / Equity = 0.47 (Debt 194.2m / totalStockholderEquity, last quarter 414.6m)
Debt / EBITDA = -10.49 (Net Debt -349.5m / EBITDA 33.3m)
Debt / FCF = -15.99 (Net Debt -349.5m / FCF TTM 21.9m)
Total Stockholder Equity = 316.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.87% (Net Income 28.6m / Total Assets 3.88b)
RoE = 9.04% (Net Income TTM 28.6m / Total Stockholder Equity 316.7m)
RoCE = 6.07% (EBIT 29.9m / Capital Employed (Equity 316.7m + L.T.Debt 175.8m))
RoIC = 3.85% (NOPAT 24.4m / Invested Capital 633.8m)
WACC = 15.13% (E(416.7m)/V(610.9m) * Re(8.92%) + D(194.2m)/V(610.9m) * Rd(34.87%) * (1-Tc(0.18)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 82.22 | Cagr: 20.78%
[DCF] Terminal Value 59.18% ; FCFF base≈17.9m ; Y1≈20.5m ; Y5≈30.2m
[DCF] Fair Price = 40.18 (EV 204.8m - Net Debt -349.5m = Equity 554.3m / Shares 13.8m; r=15.13% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 28.25 | EPS CAGR: 5.09% | SUE: 2.44 | # QB: 1
Revenue Correlation: 89.66 | Revenue CAGR: 7.44% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.71 | Chg30d=-7.42% | Revisions=-40% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.75 | Chg30d=-11.42% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.12 | Chg30d=-1.47% | Revisions=+0% | GrowthEPS=+39.8% | GrowthRev=+63.5%
EPS next Year (2027-12-31): EPS=3.26 | Chg30d=-5.60% | Revisions=-40% | GrowthEPS=+4.5% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: -55% (up=1, down=7)