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
市值
$261.77M
本益比 (TTM)
11.4
14.5
股息率
1.6%
52周最高
$31.77
52周最低
$15.39
52周範圍
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
$0.00+0.00%
近4季度走勢
2025 Q3 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$183.79M
$166.66M
$153.49M
毛利率 (最新季度)
95.9%
91.8%
72.6%
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 | $266.33M | 11.0 | 12.7% | 0.0% |
| FVCB | $264.98M | 12.0 | 8.9% | 0.8% |
| ISTR | $261.77M | 11.4 | 8.3% | 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
75%
現金流波動較大
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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