Investar Holding Corporation
NASDAQ•ISTR
CEO: Mr. John Joseph D'Angelo
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2014-07-01
Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals, professionals, and small to medium-sized businesses in south Louisiana, southeast Texas, and Alabama in the United States. The company offers various deposit products and services, such as savings, checking, money market, and individual retirement accounts, as well as various certificates of deposit; debit and credit cards; internet, mobile, and video banking services; and reciprocal deposit products. It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate loans, such as second mortgage loans; and consumer loans, such as secured and unsecured installment and term loans, home equity loans and lines of credit, and auto loans, as well as loans for personal, family, and household purposes. In addition, the company offers treasury management products, including remote deposit capture, lockbox payment processing, virtual vault, positive pay, ACH origination, wire transfer, investment sweep accounts, and business internet banking services. Further, it provides various other banking services, such as cashiers' checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, automated teller machines, electronic statements, interactive teller machines, online account opening, and mobile wallet payment services. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
Contact Information
Market Cap
$274.27M
P/E (TTM)
12.0
13.9
Dividend Yield
1.6%
52W High
$31.77
52W Low
$15.39
52W Range
Rank42Top 47.5%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$38.97M-4.17%
4-Quarter Trend
EPS
$0.55-11.29%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Net Income Rises Significantly Nine-month net income reached $17.0M, up 20% YoY; diluted EPS improved to $1.62 from $1.43.
Net Interest Margin Expansion Nine-month NIM expanded 39 basis points to 3.02% driven by lower funding costs and optimized asset yields.
Strong Capital Ratios Maintained Bank Tier 1 Leverage ratio stood at 10.88%, well above the 5.00% minimum requirement for well-capitalized status.
Preferred Stock Issuance Completed $32.5M Series A Preferred Stock private placement, using proceeds to support the pending WFB acquisition.
Risk Factors
Nonaccrual Loans Increased Nonaccrual loans rose to $7.68M (0.36% of loans) from $4.12M (0.19%) due to commercial relationship deterioration.
Interest Rate Environment Uncertainty Future NIM stability faces risk from potential interest rate fluctuations and associated changes in deposit pricing sensitivity.
WFB Merger Integration Risk Realizing anticipated benefits from the WFB merger is subject to integration difficulties, cost overruns, and market share retention.
Credit Quality Monitoring Needed ACL decreased year-to-date due to net recoveries, but management notes ongoing monitoring required due to inflation risks.
Outlook
WFB Merger Closing Anticipated Anticipate closing the Wichita Falls Bancshares merger around January 1, 2026, pending customary closing conditions satisfaction.
Strategy Focus on Organic Growth Strategy emphasizes organic loan/deposit growth and balance sheet optimization, proactively exiting credit relationships not fitting strategy.
Managing Deposit Costs Company increased interest-bearing deposit rates to attract stable funding, managing cost relative to higher-cost short-term borrowings.
Regulatory Compliance Costs Increasing costs associated with complying with new and potential future financial regulations remain an ongoing operational factor.
Peer Comparison
Revenue (TTM)
$183.79M
$166.66M
$153.49M
Gross Margin (Latest Quarter)
95.9%
91.8%
72.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| ISTR | $274.27M | 12.0 | 8.3% | 5.4% |
| OVLY | $272.95M | 11.2 | 12.7% | 0.0% |
| FVCB | $272.93M | 12.3 | 8.9% | 0.8% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.3%
Moderate Growth
4Q Net Income CAGR
-1.9%
Stable Profitability
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:Apr 20, 2026
EPS:$0.70
|Revenue:$36.40M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data