ISTR
NEUTRAL
$28.54
Live
Investar Holding Corporation · NASDAQ
Target $33.17
(+16.2%)
$15.41
52W Range
$31.77
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$392.43M
P/E
13.4
ROE
8.4%
Profit margin
24.5%
Debt/Equity
N/A
Dividend yield
1.54%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
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.
Key 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
Conservative dividend payout ratio of 20.42%
Current price is below the Graham Number ($36.39)
Key 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
Very low Return on Assets (ROA) of 0.82%
Strongly bearish technical trend (10/100)
AI Fair Value Estimate
Based on comprehensive analysis
$25.65
-10.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
50
Moderate
75
40
65
20
50
AI Verdict
Cautionary Hold
Key drivers: Low P/B valuation, Poor Piotroski health score, Earnings growth contraction, Strong analyst optimism vs bearish technicals
Confidence
85%
Value
75/100
P/E 13.40, Graham Number $36.39
Positives
- P/B near 1.0
- Price below Graham Number
Watchpoints
- Price significantly above growth-based intrinsic value
Future
40/100
Revenue Growth 14.8% vs Earnings Growth -15.4%
Positives
- Double-digit revenue growth
Watchpoints
- Negative YoY earnings growth
- Bearish technical trend
Past
65/100
High average surprise rate (18.33%)
Positives
- Consistent earnings beats
- Strong 1Y and 3Y price appreciation
Watchpoints
- Recent quarterly earnings decline
Health
20/100
Piotroski F-Score 3/9
Positives
- Positive profit margins
Watchpoints
- Piotroski F-Score of 3/9 indicates weak health
Dividend
50/100
Payout Ratio 20.42%
Positives
- Low payout ratio ensures sustainability
Watchpoints
- Low dividend yield (1.54%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$28.54
Analyst Target
$33.17
Upside/Downside
+16.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ISTR and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ISTR
Investar Holding Corporation
Primary
|
+52.2% | +128.3% | +84.4% | +30.1% | +5.9% | +4.0% |
|
BGR
BlackRock Energy and Resources Trust
Peer
|
+168.3% | +43.1% | +22.1% | +17.5% | +12.3% | +2.4% |
|
GLAD
Gladstone Capital Corporation
Peer
|
+25.5% | +25.6% | -23.1% | -7.3% | -2.7% | -2.6% |
|
BSVN
Bank7 Corp.
Peer
|
+177.2% | +89.9% | +18.6% | -7.5% | +4.5% | +4.4% |
|
GCBC
Greene County Bancorp, Inc.
Peer
|
+98.4% | +10.1% | +8.4% | +4.8% | +4.7% | +1.7% |
IST
Investar Holding Corporation
Primary
5Y
+52.2%
3Y
+128.3%
1Y
+84.4%
6M
+30.1%
1M
+5.9%
1W
+4.0%
BGR
BlackRock Energy and Resources Trust
Peer
5Y
+168.3%
3Y
+43.1%
1Y
+22.1%
6M
+17.5%
1M
+12.3%
1W
+2.4%
GLA
Gladstone Capital Corporation
Peer
5Y
+25.5%
3Y
+25.6%
1Y
-23.1%
6M
-7.3%
1M
-2.7%
1W
-2.6%
BSV
Bank7 Corp.
Peer
5Y
+177.2%
3Y
+89.9%
1Y
+18.6%
6M
-7.5%
1M
+4.5%
1W
+4.4%
GCB
Greene County Bancorp, Inc.
Peer
5Y
+98.4%
3Y
+10.1%
1Y
+8.4%
6M
+4.8%
1M
+4.7%
1W
+1.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.4
Forward P/E
8.27
PEG Ratio
N/A
P/B Ratio
1.03
P/S Ratio
4.2
EV/Revenue
5.74
EV/EBITDA
N/A
Market Cap
$392.43M
Profitability
Profit margins and return metrics
Profit Margin
24.54%
Operating Margin
30.2%
Gross Margin
N/A
ROE
8.45%
ROA
0.82%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.8%
Earnings Growth
-15.4%
Q/Q Revenue Growth
+3.65%
Q/Q Earnings Growth
-2.8%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.87
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
25.3%
Total Assets
$2.8B
Liabilities
$2.5B
Equity
$0.3B
Debt/Equity
8.41x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
87%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-20
$N/A
2026-01-22
$0.58
+10.1% surprise
2025-10-20
$0.54
+18.2% surprise
2025-07-21
$0.46
+26.6% surprise
Financial Services Sector Comparison
Comparing ISTR against 362 companies in the Financial Services sector
(63 bullish, 158 neutral, 141 bearish)
P/E Ratio
13.4
This Stock
vs
52.08
Sector Avg
-74.3%
(Discount)
Return on Equity (ROE)
8.45%
This Stock
vs
-0.05%
Sector Avg
-16257.6%
(Below Avg)
Profit Margin
24.54%
This Stock
vs
66.07%
Sector Avg
-62.9%
(Weaker)
Revenue Growth
14.8%
This Stock
vs
43.38%
Sector Avg
-65.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ISTR
Investar Holding Corporation
|
NEUTRAL | $392.43M | 13.4 | 8.4% | 24.5% | $28.54 | |
|
BGR
BlackRock Energy and...
|
BEARISH | $391.63M | 1500.0 | -0.0% | -0.8% | $15.0 | Compare |
|
GLAD
Gladstone Capital Corporation
|
BEARISH | $394.02M | 11.04 | 7.2% | 38.9% | $17.44 | Compare |
|
BSVN
Bank7 Corp.
|
NEUTRAL | $396.39M | 9.25 | 18.6% | 45.0% | $41.64 | Compare |
|
GCBC
Greene County Bancorp, Inc.
|
NEUTRAL | $396.73M | 10.84 | 15.3% | 44.6% | $23.3 | Compare |
ISTR
Investar Holding...
NEUTRAL
Mkt Cap
$392M
P/E
13.4
ROE
8.4%
Price
$28.54
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | D'ANGELO JOHN J | Chief Executive Officer | Stock Award | 16,324 | - |
| 2026-04-01 | CROCHET LINDA M | Officer | Stock Award | 4,563 | - |
| 2026-04-01 | MARTIN JEFFREY WAYNE | Officer | Stock Award | 4,339 | - |
| 2026-04-01 | MOORE COREY E | Chief Financial Officer | Stock Award | 1,818 | - |
| 2026-04-01 | CAMPBELL JOHN R | Chief Financial Officer | Stock Award | 8,694 | - |
| 2026-03-12 | JORDAN ROBERT CHRIS | Director | Purchase | 1,550 | $41,618 |
| 2026-01-27 | D'ANGELO JOHN J | Chief Executive Officer | Sale | 26,163 | $732,826 |
| 2026-01-27 | D'ANGELO JOHN J | Chief Executive Officer | Option Exercise | 29,070 | $415,120 |
| 2026-01-21 | HIDALGO WILLIAM H | Director | Stock Award | 1,503 | - |
| 2026-01-21 | GINN SCOTT G | Director | Stock Award | 1,431 | - |
| 2026-01-21 | WALKER FRANK L | Director | Stock Award | 1,431 | - |
| 2026-01-21 | NELSON ANDREW C | Director | Stock Award | 1,431 | - |
| 2026-01-21 | MIDDLETON SUZANNE O | Director | Stock Award | 1,503 | - |
| 2026-01-21 | JOFFRION GORDON H III | Director | Stock Award | 1,431 | - |
| 2026-01-21 | JORDAN ROBERT CHRIS | Director | Stock Award | 1,431 | - |
D'ANGELO JOHN J
Chief Executive Officer
2026-04-01
16,324 shares
CROCHET LINDA M
Officer
2026-04-01
4,563 shares
MARTIN JEFFREY WAYNE
Officer
2026-04-01
4,339 shares
MOORE COREY E
Chief Financial Officer
2026-04-01
1,818 shares
CAMPBELL JOHN R
Chief Financial Officer
2026-04-01
8,694 shares
JORDAN ROBERT CHRIS
Director
2026-03-12
1,550 shares
·
$41,618
D'ANGELO JOHN J
Chief Executive Officer
2026-01-27
26,163 shares
·
$732,826
D'ANGELO JOHN J
Chief Executive Officer
2026-01-27
29,070 shares
·
$415,120
HIDALGO WILLIAM H
Director
2026-01-21
1,503 shares
GINN SCOTT G
Director
2026-01-21
1,431 shares
WALKER FRANK L
Director
2026-01-21
1,431 shares
NELSON ANDREW C
Director
2026-01-21
1,431 shares
MIDDLETON SUZANNE O
Director
2026-01-21
1,503 shares
JOFFRION GORDON H III
Director
2026-01-21
1,431 shares
JORDAN ROBERT CHRIS
Director
2026-01-21
1,431 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
3 analysts
Piper Sandler
2025-10-21
Overweight
Overweight
Past News Coverage
Recent headlines mentioning ISTR from our newsroom.
Newest → oldest
No matching news yet.