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
$282.09M
P/E (TTM)
12.3
15.6
Dividend Yield
1.5%
52W High
$31.77
52W Low
$16.30
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
$3.20M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Interest Margin Expansion NIM rose 44 basis points to 3.07% in 2025, driven by lower short-term borrowing costs and yield increases on earning assets.
Profitability Rises Significantly Net income available to common shareholders grew 7.9% to $21.8M; diluted EPS reached $2.13, reflecting successful margin management.
Strategic Acquisition Closed Total loans grew 2.4% to $2.18B; deposits remained stable at $2.35B; WFB acquisition finalized January 1, 2026.
Stable Asset Quality Metrics NPL ratio held steady at 0.43% of total loans; the company recorded a $3.4M net reversal of credit losses for the year.
Risk Factors
Interest Rate Sensitivity Risk Earnings depend on net interest income; rapid rate fluctuations challenge management, potentially reducing margin if liabilities reprice faster.
Geographic Loan Concentration Business concentrated in Southern Louisiana, Texas, and Alabama; regional economic downturns or disasters magnify credit risk exposure significantly.
Deposit Stability Concerns Core deposits are the most stable funding source, but brokered deposits are sensitive to interest rates, posing liquidity uncertainty risks.
Evolving Cybersecurity Threats Increased reliance on digital transformation and AI heightens exposure to cyberattacks, data breaches, and associated compliance costs.
Outlook
Post-Acquisition Integration Focus Management seeks to realize anticipated benefits from the WFB merger while continuing organic growth in new and existing markets.
Maintaining Strong Capital Levels The Bank remains well-capitalized (Leverage 10.85% in 2025), maintaining buffers above minimum regulatory requirements.
Digital Branch Optimization Strategy includes enhancing online banking and potentially closing or consolidating physical branches to improve efficiency moving forward.
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 |
|---|---|---|---|---|
| OVLY | $294.98M | 12.1 | 12.3% | 0.4% |
| WNEB | $285.07M | 18.5 | 6.3% | 3.2% |
| ISTR | $282.09M | 12.3 | 8.3% | 5.4% |
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
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 20, 2026
EPS:$0.69
|Revenue:$36.40M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data