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Investar Holding Corporation

NASDAQ•ISTR
CEO: Mr. John Joseph D'Angelo
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
10500 Coursey Boulevard, Baton Rouge, LA, 70816, United States
225-227-2222
www.investarbank.com
時価総額
$279.93M
PER (TTM)
12.2
15.5
配当利回り
1.5%
52週高値
$31.77
52週安値
$15.89
52週レンジ
79%
順位42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$38.97M-4.17%
直近4四半期の推移

EPS

$0.55-11.29%
直近4四半期の推移

フリーCF

$3.20M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

CFFI stock ticker logoCFFI
$183.79M
+10.1%
OPBK stock ticker logoOPBK
$166.66M
+8.2%
ISTR stock ticker logoISTR
$153.49M
-1.9%

粗利益率 (最新四半期)

OVLY stock ticker logoOVLY
95.9%
+11.9pp
CBNA stock ticker logoCBNA
91.8%
+0.4pp
LCNB stock ticker logoLCNB
72.6%
+10.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
OVLY$291.53M12.012.3%0.4%
ISTR$279.93M12.28.3%5.4%
WNEB$278.99M18.16.3%3.2%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.3%
緩やかな成長
4四半期純利益CAGR
-1.9%
収益性の安定
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日
|
EPS:$0.69
|
売上高:$36.40M
財務データ
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財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし