Investar Holding (ISTR) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Investar Holding

NasdaqGM•Financial Services•Banks - Regional

$31.10+0.39(0.01%)Market closed

Market Cap

$417.39M

P/E

12.4x

P/S

2.2x

P/B

1.0x

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; construction and development loans comprising loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate loans, which includes second mortgage loans; and consumer loans, such as secured or unsecured loans, installment or term loans, home equity loans and lines of credit, business purpose loans, 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, virtual vaults, positive pay, automated clearing house origination, credit card processing, wire transfers, investment sweep accounts, and business internet banking services. Further, it provides various other banking services, such as cashier's checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, ATMs with deposit automation, electronic statements, interactive teller machines, online account opening, online bill payment, online fund transfer, Zelle money transfer solutions, and mobile wallet payment option services. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.

How this company scores

WeakMetricSide Score: 71/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Growth (20/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability18/25

Growth20/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality20/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.4x5y range 4.5x – 40.5x

Currently near its 20-quarter median.

P/S · 2.2x5y range 0.8x – 2.2x

Currently above its 20-quarter median.

P/B · 1.0x5y range 0.5x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

FCF consistently trails net income (avg 0.7x) — earnings may be inflated by non-cash items or aggressive accounting.

Leverage Risk

Watch

Debt-to-equity has risen 59.5% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $417.39M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $191.53M
Q. Revenue: $56.30M
TTM EBITDA: $45.20M
TTM Op. Income: $41.16M
Q. Op. Income: $11.61M
TTM Net Income: $33.61M
Q. Net Income: $9.47M
EPS: $0.64
Shares Out.: $13.79M

$191.53M in TTM revenue grew 23.2% YoY, reaching $56.30M last quarter. TTM EBITDA of $45.20M and TTM operating income of $41.16M show growth is flowing through to the bottom line. TTM net income of $33.61M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 64.9%
EBITDA Margin: 23.0%
Op. Margin: 20.6%
Net Margin: 16.8%

Op. margin of 20.6% is up 6.3% YoY — cost efficiency is improving. Net margin at 16.8% and gross margin of 64.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 44% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.4x
P/S Ratio: 2.2x
P/B Ratio: 1.0x

At 12.4x P/E, the stock trades below typical market levels. P/S of 2.2x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 45% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.86B
Cash: $72.30M
Long-Term Debt: $22.99M
Book Value: $420.13M
D/E Ratio: 0.1
Debt/EBITDA: 1.8

With $3.86B in assets and $22.99M in long-term debt, D/E is 0.1and book value is $420.13M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 59% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.45M
TTM Free Cash Flow: $24.80M
FCF Margin: 12.9%
FCF / Net Income: 0.7

TTM FCF of $24.80M on $6.45M in operating cash flow. The FCF / Net Income ratio of 0.7x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 5 consecutive quarters — an improving trend.