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Investar Holding Corp

Data quality: 83%

ISTR

Nasdaq Financial Services Depository Institutions

$28.54

▼ $0.17 (-0.59%)

Mkt Cap: 396.05 M

Price

$28.80

Mkt Cap

396.05 M

Day Range

—

52-Week Range

—

Volume

—

Open —

50D / 200D Avg

—

50D / 200D Avg

—

Quick Summary

Key Takeaways

Generating 18.22 M in free cash flow

PEG of 0.57 suggests growth is underpriced

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)13.10%

FCF Growth (3Y)-16.69%

Quality

Return on Equity

8.31%

Below sector avg (9.24%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

N/A

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM|2027)

17.29 | 8.35

Above sector avg (11.15)

P/B Ratio1.34

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)

Metric	Stock	Sector Median
P/E	17.3	11.1
P/B	1.3	1.2
ROE %	8.3	9.2
Net Margin %	—	9.4
Rev Growth 5Y %	—	5.9
D/E	—	0.5

Analyst Price Target

3 analysts

Buy

Current

$28.54

+16.2%

Target

$33.17

$32.50

$33.00

$34.00

Forecast

Forward P/E 8.27

Forward EPS $3.45

EPS Growth (est.) +9.1%

Est. Revenue 160.30 M

Earnings Estimates

Period	EPS Est.	Revenue Est.	Analysts
FY2027	$3.45 $3.35 – $3.60	160.30 M	3
FY2026	$3.16 $3.09 – $3.30	152.40 M	3

Period	EPS Est.	Revenue Est.	Analysts
2026 Q2	$0.76 $0.74 – $0.80	37.70 M	3
2026 Q1	$0.68 $0.65 – $0.72	36.40 M	3

Earnings Surprises

Last 4 quarters

Quarter	Est. EPS	Actual EPS	Surprise
Q42025	$0.53	$0.58	+10.1%
Q32025	$0.46	$0.54	+18.3%
Q22025	$0.38	$0.47	+23.7%
Q12025	$0.43	$0.64	+47.7%

ETFs Holding This Stock

BRUSX BRUSX

0.50% weight

BRSIX BRSIX

0.23% weight

PSVKX PSVKX

0.10% weight

TRACX TRACX

0.10% weight

TASVX TASVX

0.10% weight

TSVAX TSVAX

0.10% weight

TSVRX TSVRX

0.10% weight

TSVQX TSVQX

0.10% weight

PSVDX PSVDX

0.10% weight

BOSVX BOSVX

0.07% weight

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	13.10%	Earnings Growth (3Y)	17.19%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	30.08%
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	22.90 M
ROE	8.31%	ROA	0.83%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	18.22 M
ROIC	N/A	FCF Growth (3Y)	-16.69%
Safety
Debt / Equity	N/A	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	295.30 M
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	17.29	Forward P/E	N/A
P/B Ratio	1.34	P/S Ratio	N/A
PEG Ratio	0.57	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	4.60%
Market Cap	396.05 M	Enterprise Value	396.05 M
Per Share
EPS (Diluted TTM)	2.13	Revenue / Share	N/A
FCF / Share	1.32	OCF / Share	1.32
EPS CAGR (1Y)	4.41%	EPS CAGR (5Y)	29.39%
EPS CAGR (10Y)	7.62%
Efficiency
CapEx / Revenue	N/A	FCF Conversion	79.53%
SBC-Adj. FCF	16.22 M	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	—	—	—	—	—
Net Income	22.90 M	20.25 M	16.68 M	35.71 M	8.00 M
EPS (Diluted)	2.13	2.04	1.69	3.50	0.76
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	2.79 M	3.10 M	3.78 M	4.44 M	4.99 M
Interest Expense	80.77 M	69.75 M	58.68 M	14.78 M	11.73 M
Income Tax	4.98 M	4.15 M	3.75 M	8.64 M	1.91 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	2.83 B	2.72 B	2.82 B	2.75 B	2.51 B
Total Liabilities	2.53 B	2.48 B	2.59 B	2.54 B	2.27 B
Shareholders' Equity	301.07 M	241.30 M	226.77 M	215.78 M	242.60 M
Total Debt	9.80 M	9.80 M	9.80 M	9.80 M	9.80 M
Cash & Equivalents	—	—	—	—	—
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—