ISTR Stock Analysis: Investar Holding | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 411m USD | 12M Return: 40.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.60M
EPS Trend: 71.1%
Qual. Beats: 0
Rev. Trend: 39.0%
Qual. Beats: -1
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: 33.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.13 > 1.0 |
| NWC/Revenue: -2.00k% < 20% (prev -1.26k%; Δ -734.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 23.7m > Net Income 33.6m |
| Net Debt (-340.6m) to EBITDA (39.1m): -8.71 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.7m) vs 12m ago 47.24% < -2% |
| Gross Margin: 46.18% > 18% (prev 58.72%; Δ -12.54% > 0.5%) |
| Asset Turnover: 4.06% > 50% (prev 5.62%; Δ -1.56% > 0%) |
| Interest Coverage Ratio: 0.51 > 6 (EBIT TTM 36.3m / Interest Expense TTM 71.7m) |
| A: -0.69 (Total Current Assets 553.8m - Total Current Liabilities 3.23b) / Total Assets 3.86b |
| B: 0.04 (Retained Earnings 167.8m / Total Assets 3.86b) |
| C: 0.01 (EBIT TTM 36.3m / Avg Total Assets 3.30b) |
| D: 0.12 (Book Value of Equity 420.1m / Total Liabilities 3.44b) |
| Altman-Z'' = -4.21 = D |
| DSRI: 1.55 (Receivables 18.9m/14.0m, Revenue 134.1m/154.4m) |
| GMI: 1.27 (GM 58.72% / 46.18%) |
| AQI: 1.00 (AQ_t 0.84 / AQ_t-1 0.84) |
| SGI: 0.87 (Revenue 134.1m / 154.4m) |
| TATA: 0.00 (NI 33.6m - CFO 23.7m) / TA 3.86b) |
| Beneish M = -2.42 (Cap -4..+1) = BBB |
As of July 28, 2026, the stock is trading at USD 30.16 with a total of 177,507 shares traded. Over the past week, the price has changed by +1.93%, over one month by +1.31%, over three months by +9.24% and over the past year by +40.53%.
Current recommended Stop Loss: 28.20 (which is 6.5% or 2.7 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 | 9.4% |
P/E Trailing = 13.0393
P/E Forward = 9.8425
P/S = 3.3925
P/B = 1.0471
Revenue TTM = 134.1m USD
EBIT TTM = 36.3m USD
EBITDA TTM = 39.1m USD
Long Term Debt = 141.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = 18.6m USD (from shortTermDebt, last quarter)
Debt = 194.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -340.6m USD (calculated: Debt 194.4m - CCE 535.0m)
Enterprise Value = 70.8m USD (411.4m + Debt 194.4m - CCE 535.0m)
Interest Coverage Ratio = 0.51 (Ebit TTM 36.3m / Interest Expense TTM 71.7m)
EV/FCF = 3.24x (Enterprise Value 70.8m / FCF TTM 21.9m)
FCF Yield = 30.87% (FCF TTM 21.9m / Enterprise Value 70.8m)
FCF Margin = 16.31% (FCF TTM 21.9m / Revenue TTM 134.1m)
Net Margin = 25.07% (Net Income TTM 33.6m / Revenue TTM 134.1m)
Gross Margin = 46.18% ((Revenue TTM 134.1m - Cost of Revenue TTM 72.1m) / Revenue TTM)
Gross Margin QoQ = none% (prev 61.39%)
Tobins Q-Ratio = 0.02 (Enterprise Value 70.8m / Total Assets 3.86b)
Interest Expense / Debt = 36.91% (Interest Expense 71.7m / Debt 194.4m)
Taxrate = 18.53% (7.65m / 41.3m)
NOPAT = 29.6m (EBIT 36.3m * (1 - 18.53%))
Current Ratio = 0.17 (Total Current Assets 553.8m / Total Current Liabilities 3.23b)
Debt / Equity = 0.46 (Debt 194.4m / totalStockholderEquity, last quarter 420.1m)
Debt / EBITDA = -8.71 (Net Debt -340.6m / EBITDA 39.1m)
Debt / FCF = -15.58 (Net Debt -340.6m / FCF TTM 21.9m)
Total Stockholder Equity = 357.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 33.6m / Total Assets 3.86b)
RoE = 9.39% (Net Income TTM 33.6m / Total Stockholder Equity 357.8m)
RoCE = 7.27% (EBIT 36.3m / Capital Employed (Equity 357.8m + L.T.Debt 141.6m))
RoIC = 4.62% (NOPAT 29.6m / Invested Capital 641.1m)
WACC = 15.87% (E(411.4m)/V(605.8m) * Re(9.17%) + D(194.4m)/V(605.8m) * Rd(36.91%) * (1-Tc(0.19)))
Discount Rate = 9.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 79.35 | Cagr: 19.25%
[DCF] Terminal Value 57.46% ; FCFF base≈17.9m ; Y1≈20.5m ; Y5≈30.2m
[DCF] Fair Price = 38.72 (EV 192.8m - Net Debt -340.6m = Equity 533.4m / Shares 13.8m; r=15.87% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 71.05 | EPS CAGR: 14.35% | SUE: 0.64 | # QB: 0
Revenue Correlation: 38.96 | Revenue CAGR: 2.94% | SUE: -1.41 | # QB: -1
EPS current 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: -44% (up=1, down=5)