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ISTR vs RBB

ISTR
Investar Holding Corporation
NEUTRAL
Price
$28.54
Market Cap
$392.4M
Sector
Financial Services
AI Confidence
80%
RBB
RBB Bancorp
BULLISH
Price
$22.87
Market Cap
$390.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ISTR
13.4
RBB
12.5
Forward P/E
ISTR
8.27
RBB
9.84
P/B Ratio
ISTR
1.03
RBB
0.75
P/S Ratio
ISTR
4.2
RBB
3.44
EV/EBITDA
ISTR
--
RBB
--

Profitability

Gross Margin
ISTR
0.0%
RBB
0.0%
Operating Margin
ISTR
30.2%
RBB
42.58%
Profit Margin
ISTR
24.54%
RBB
28.12%
ROE
ISTR
8.45%
RBB
6.2%
ROA
ISTR
0.82%
RBB
0.78%

Growth

Revenue Growth
ISTR
14.8%
RBB
39.7%
Earnings Growth
ISTR
-15.4%
RBB
140.8%

Financial Health

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

Dividends

Dividend Yield
ISTR
1.54%
RBB
2.8%
Payout Ratio
ISTR
20.42%
RBB
34.97%

AI Verdict

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
RBB BULLISH

RBB Bancorp presents a compelling deep-value opportunity, trading significantly below its Graham Number ($35.54) and Intrinsic Value ($53.98). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting explosive YoY earnings growth of 140.8% and revenue growth of 39.7%. The stock is fundamentally undervalued with a Price-to-Book ratio of 0.75, though it faces a stark contradiction between its strong fundamentals and a very bearish technical trend (10/100).

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Trading at a discount to book value (P/B 0.75)
Exceptional YoY earnings growth (140.8%) and revenue growth (39.7%)
Risks
Low Return on Equity (ROE) of 6.20% suggests inefficient capital utilization
Extremely bearish technical trend score (10/100)
Neutral to low insider sentiment (40/100) with no recent buy activity

Compare Another Pair

ISTR vs RBB: Head-to-Head Comparison

This page compares Investar Holding Corporation (ISTR) and RBB Bancorp (RBB) 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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