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BSVN vs ISTR

BSVN
Bank7 Corp.
NEUTRAL
Price
$41.64
Market Cap
$396.4M
Sector
Financial Services
AI Confidence
60%
ISTR
Investar Holding Corporation
NEUTRAL
Price
$28.54
Market Cap
$392.4M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BSVN
9.25
ISTR
13.4
Forward P/E
BSVN
9.12
ISTR
8.27
P/B Ratio
BSVN
1.57
ISTR
1.03
P/S Ratio
BSVN
4.14
ISTR
4.2
EV/EBITDA
BSVN
--
ISTR
--

Profitability

Gross Margin
BSVN
0.0%
ISTR
0.0%
Operating Margin
BSVN
59.85%
ISTR
30.2%
Profit Margin
BSVN
45.02%
ISTR
24.54%
ROE
BSVN
18.56%
ISTR
8.45%
ROA
BSVN
2.33%
ISTR
0.82%

Growth

Revenue Growth
BSVN
-0.1%
ISTR
14.8%
Earnings Growth
BSVN
-3.8%
ISTR
-15.4%

Financial Health

Debt/Equity
BSVN
--
ISTR
--
Current Ratio
BSVN
--
ISTR
--
Quick Ratio
BSVN
--
ISTR
--

Dividends

Dividend Yield
BSVN
2.64%
ISTR
1.54%
Payout Ratio
BSVN
22.67%
ISTR
20.42%

AI Verdict

BSVN NEUTRAL

BSVN shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 30.2% premium to fair value estimate ($31.99), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 9.3
Undervalued vs Graham Number ($52.22)
Strong profitability (45.0% margin)
Risks
Declining revenue (-0.1%)
Price trades at a 30.2% premium to fair value estimate ($31.99), limiting near-term upside from a valuation perspective.
ISTR NEUTRAL

Investar Holding Corporation presents a conflicting profile: while valuation metrics are defensive, the deterministic health indicators are weak. The Piotroski F-Score of 3/9 signals significant fundamental weakness, and the stock is trading well above its growth-based intrinsic value of $14.91. Despite a 'Strong Buy' analyst consensus and consistent earnings beats, the divergence between rising revenue (+14.8%) and falling earnings (-15.4%) suggests margin compression or rising operational costs. The bearish technical trend and recent CEO selling further temper the bullish analyst outlook.

Strengths
Attractive Price-to-Book ratio of 1.03
Strong track record of earnings surprises (3/4 beats in last 4 quarters)
Positive top-line revenue growth of 14.8% YoY
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Negative YoY earnings growth of -15.4%
Bearish insider sentiment following CEO share liquidation

Compare Another Pair

BSVN vs ISTR: Head-to-Head Comparison

This page compares Bank7 Corp. (BSVN) and Investar Holding Corporation (ISTR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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