(ISTR) Investar Holding - Overview
Stock: Deposits, Loans, Treasury, Cards, Digital
| Risk 5d forecast | |
|---|---|
| Volatility | 25.8% |
| Relative Tail Risk | -18.7% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.54 |
| Alpha | 43.63 |
| Character TTM | |
|---|---|
| Beta | 0.757 |
| Beta Downside | 0.739 |
| Drawdowns 3y | |
|---|---|
| Max DD | 52.50% |
| CAGR/Max DD | 0.32 |
EPS (Earnings per Share)
Revenue
Description: ISTR Investar Holding January 01, 2026
Investar Holding Corp. (NASDAQ: ISTR) is the bank-holding company for Investar Bank, a regional commercial bank serving individuals, professionals, and SMBs across south Louisiana, southeast Texas, and Alabama. Its product suite spans traditional deposit accounts (savings, checking, money-market, CDs, IRAs), consumer and commercial loan portfolios (real-estate, C&I, construction, auto, and home-equity), and a full suite of treasury-management and digital-banking services such as remote deposit capture, lockbox processing, and mobile-wallet payments.
Key operating metrics (Q4 2024) show a loan-to-deposit ratio of roughly 78%, a net interest margin (NIM) of 3.6%-slightly above the regional-bank average of 3.3%-and a return on assets (ROA) of 1.1%, reflecting solid asset quality in a market still sensitive to Gulf-Coast energy cycles. The bank’s loan growth in 2024 was 5.4% YoY, driven largely by commercial real-estate and equipment financing, while its core deposit base expanded 3.2% amid a broader “flight-to-safety” into FDIC-insured institutions as the Federal Reserve maintains a higher-for-longer rate stance.
If you’re looking for a data-driven deep-dive on ISTR’s valuation and risk profile, ValueRay’s analytical tools can provide the granular metrics you need to assess the opportunity further.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 22.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.12 > 1.0 |
| NWC/Revenue: -592.9% < 20% (prev -1473 %; Δ 880.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 14.3m > Net Income 22.9m |
| Net Debt (126.1m) to EBITDA (30.6m): 4.12 < 3 |
| Current Ratio: 0.31 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.6m) vs 12m ago 6.14% < -2% |
| Gross Margin: 60.96% > 18% (prev 0.55%; Δ 6041 % > 0.5%) |
| Asset Turnover: 5.53% > 50% (prev 5.75%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBITDA TTM 30.6m / Interest Expense TTM 63.2m) |
Altman Z'' -1.81
| A: -0.32 (Total Current Assets 411.5m - Total Current Liabilities 1.32b) / Total Assets 2.83b |
| B: 0.05 (Retained Earnings 150.5m / Total Assets 2.83b) |
| C: 0.01 (EBIT TTM 27.8m / Avg Total Assets 2.78b) |
| D: 0.05 (Book Value of Equity 124.6m / Total Liabilities 2.53b) |
| Altman-Z'' Score: -1.81 = D |
Beneish M -3.20
| DSRI: 1.01 (Receivables 14.3m/14.4m, Revenue 153.5m/156.5m) |
| GMI: 0.90 (GM 60.96% / 54.87%) |
| AQI: 0.87 (AQ_t 0.84 / AQ_t-1 0.97) |
| SGI: 0.98 (Revenue 153.5m / 156.5m) |
| TATA: 0.00 (NI 22.9m - CFO 14.3m) / TA 2.83b) |
| Beneish M-Score: -3.20 (Cap -4..+1) = AA |
What is the price of ISTR shares?
Over the past week, the price has changed by -0.07%, over one month by +8.49%, over three months by +27.05% and over the past year by +57.98%.
Is ISTR a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ISTR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.3 | 12.6% |
| Analysts Target Price | 33.3 | 12.6% |
ISTR Fundamental Data Overview February 19, 2026
P/E Forward = 9.8425
P/S = 4.4218
P/B = 1.5176
Revenue TTM = 153.5m USD
EBIT TTM = 27.8m USD
EBITDA TTM = 30.6m USD
Long Term Debt = 85.5m USD (from longTermDebt, two quarters ago)
Short Term Debt = 11.2m USD (from shortTermDebt, last quarter)
Debt = 152.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 126.1m USD (from netDebt column, last quarter)
Enterprise Value = 169.5m USD (414.0m + Debt 152.8m - CCE 397.2m)
Interest Coverage Ratio = 0.44 (Ebit TTM 27.8m / Interest Expense TTM 63.2m)
EV/FCF = 12.79x (Enterprise Value 169.5m / FCF TTM 13.3m)
FCF Yield = 7.82% (FCF TTM 13.3m / Enterprise Value 169.5m)
FCF Margin = 8.64% (FCF TTM 13.3m / Revenue TTM 153.5m)
Net Margin = 14.92% (Net Income TTM 22.9m / Revenue TTM 153.5m)
Gross Margin = 60.96% ((Revenue TTM 153.5m - Cost of Revenue TTM 59.9m) / Revenue TTM)
Gross Margin QoQ = 60.23% (prev 59.88%)
Tobins Q-Ratio = 0.06 (Enterprise Value 169.5m / Total Assets 2.83b)
Interest Expense / Debt = 10.15% (Interest Expense 15.5m / Debt 152.8m)
Taxrate = 18.33% (1.33m / 7.27m)
NOPAT = 22.7m (EBIT 27.8m * (1 - 18.33%))
Current Ratio = 0.31 (Total Current Assets 411.5m / Total Current Liabilities 1.32b)
Debt / Equity = 0.51 (Debt 152.8m / totalStockholderEquity, last quarter 301.1m)
Debt / EBITDA = 4.12 (Net Debt 126.1m / EBITDA 30.6m)
Debt / FCF = 9.51 (Net Debt 126.1m / FCF TTM 13.3m)
Total Stockholder Equity = 276.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.82% (Net Income 22.9m / Total Assets 2.83b)
RoE = 8.30% (Net Income TTM 22.9m / Total Stockholder Equity 276.0m)
RoCE = 7.69% (EBIT 27.8m / Capital Employed (Equity 276.0m + L.T.Debt 85.5m))
RoIC = 6.56% (NOPAT 22.7m / Invested Capital 346.4m)
WACC = 8.59% (E(414.0m)/V(566.8m) * Re(8.70%) + D(152.8m)/V(566.8m) * Rd(10.15%) * (1-Tc(0.18)))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.24%
[DCF Debug] Terminal Value 68.06% ; FCFF base≈14.3m ; Y1≈9.60m ; Y5≈4.55m
Fair Price DCF = N/A (negative equity: EV 80.2m - Net Debt 126.1m = -46.0m; debt exceeds intrinsic value)
EPS Correlation: -24.89 | EPS CAGR: -4.53% | SUE: 0.71 | # QB: 0
Revenue Correlation: 88.52 | Revenue CAGR: 7.84% | SUE: 2.67 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.69 | Chg30d=-0.005 | Revisions Net=+0 | Analysts=2
EPS current Year (2026-12-31): EPS=3.20 | Chg30d=+0.127 | Revisions Net=+1 | Growth EPS=+43.5% | Growth Revenue=+69.0%
EPS next Year (2027-12-31): EPS=3.48 | Chg30d=+0.158 | Revisions Net=+1 | Growth EPS=+8.6% | Growth Revenue=+5.2%