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Investar Holding Corporation

NASDAQ•ISTR
CEO: Mr. John Joseph D'Angelo
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
10500 Coursey Boulevard, Baton Rouge, LA, 70816, United States
225-227-2222
www.investarbank.com
市值
$279.93M
市盈率 (TTM)
12.2
15.5
股息率
1.5%
52周最高
$31.77
52周最低
$15.89
52周范围
79%
排名42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
疲弱 • 3.9 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$38.97M-4.17%
近4季度走势

每股收益

$0.55-11.29%
近4季度走势

自由现金流

$3.20M+0.00%
近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (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%

毛利率 (最新季度)

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

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
OVLY$291.53M12.012.3%0.4%
ISTR$279.93M12.28.3%5.4%
WNEB$278.99M18.16.3%3.2%

长期趋势

近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
2.3%
温和增长
4季度净利润复合增长率
-1.9%
盈利能力基本稳定
现金流稳定性
100%
现金流表现优异

深度研究

下次财报:2026年4月20日
|
每股收益:$0.69
|
营业收入:$36.40M
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过去12个月
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