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Investar Holding Corporation

NASDAQ•ISTR
執行長: Mr. John Joseph D'Angelo
板塊: Financial Services
行業: 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.
聯絡資訊
10500 Coursey Boulevard, Baton Rouge, LA, 70816, United States
225-227-2222
www.investarbank.com
市值
$276.39M
本益比 (TTM)
12.1
15.5
股息率
1.6%
52周最高
$31.77
52周最低
$16.01
52周範圍
77%
排名42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
疲弱 • 3.9 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$38.97M-4.17%
近4季度走勢

每股收益

$0.55-11.29%
近4季度走勢

自由現金流

$3.20M+0.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼
市值
本益比 (TTM)
股東權益報酬率 (TTM)
負債率
OVLY$289.09M11.912.3%0.4%
WNEB$279.80M18.16.3%3.2%
ISTR$276.39M12.18.3%5.4%

長期趨勢

近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
2.3%
溫和增長
4季度淨利複合增長率
-1.9%
盈利能力基本穩定
現金流穩定性
100%
現金流表現優異

深度研究

下次財報:2026年4月20日
|
每股收益:$0.69
|
營業收入:$36.40M
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