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Investar Holding Corporation

ISTR Financial Banks Regional

Investar Holding Corporation’s revenue for fiscal 2025 (year ended December 2025) was $153.5 million, down 2.90% from fiscal 2024.

Revenue
+48.2%
EPS
+39.1%
Free cash flow
+108.4%
Total debt
+76.2%

Quarter to June 2026, against a year earlier

28.30 0.71 +2.57%
Market cap
$380.1M
P/E
10.6×
Fwd P/E
9.7×
Dividend yield
1.67%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Sold, $m 0.73
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 1 — — — — — — —
Sell — 1 — — — — — — — — — —
Insider Ownership 12.39%

Capital & Financial Ratios $m

Size
Market Cap 380.11
Revenue ttm 191.53
Net income ttm 33.61
Free cash flow ttm 25.36
Net debt Q 80.46
Valuation
P/E 10.61
Forward P/E 9.69
Price / sales 1.99
Forward P/S Powerpack
Price / FCF 15.06
Price / book 0.98
Financial health
Current ratio Q 0.95
Debt / equity Q 0.36
Interest coverage Q —
Growth
Revenue growth Q +48.21% (above 0%: growing)
Operating income growth Q +152.90% (above 0%: growing)
EPS, this year +39.91% (at or above 15%: strong)
EPS, next year A +2.78%
Revenue, next year A −4.68% (below 0%: weak)
EPS, past 5 yrs +10.90%
EPS, next 5 yrs A +15.66% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 27.73%
10-year low 10-year high
P/S against its own 10 years 48.73%
10-year low 10-year high
P/B against its own 10 years 52.37%
10-year low 10-year high

Dividends raised every year since 2016

Yield
1.67%
Annual rate
0.46
Payout ratio
18.9%
Growth, 2016–25
+26.6%/yr
  1. 0.05 ’16
  2. 0.07 ’17 +38%
  3. 0.20 ’18 +180%
  4. 0.23 ’19 +13%
  5. 0.25 ’20 +10%
  6. 0.31 ’21 +24%
  7. 0.37 ’22 +18%
  8. 0.40 ’23 +8%
  9. 0.41 ’24 +4%
  10. 0.44 ’25 +6%
  11. 0.46 ’26e +7%
paid forecast Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 32 28 42 72
Receivables — — — —
Inventory — — — —
Other — — — —
2,226 2,141 2,205 3,115
2023 2024 2025 Q'26
Payables 2,256 2,346 2,350 3,214
ST’ Debt — — — —
Other — — — —
2,308 2,398 2,399 3,289

Compound Annual Growth %

10y 5y 3y
Sales 12.88% 7.71% 7.68%
Cash Flow (6.97%) 0.52% (24.75%)
Earnings 11.94% 9.60% (15.08%)
Book Value 10.66% 4.35% 11.74%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.76 Actual 0.77

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.54 0.58 Beat by 0.04
Q1 FY26 0.69 0.87 Beat by 0.18
Q2 FY26 0.70 0.75 Beat by 0.05
Q3 FY26 0.76 0.77 Beat by 0.01
Q4 FY26 0.72 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.77 0.61 — — —
’25 0.63 0.46 0.54 0.51 2.13
’24 0.48 0.41 0.54 0.61 2.04
’23 0.38 0.67 0.28 0.36 1.69
’22 0.97 0.92 0.73 0.88 3.50
’21 0.51 0.53 (0.95) 0.67 0.76
’20 0.05 0.39 0.41 0.42 1.27
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 56 56 — — —
’25 36 38 40 39 153
’24 38 39 40 41 158
’23 32 34 35 38 140
’22 30 31 30 33 123
’21 25 28 28 25 108
’20 25 28 27 27 106
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 10 6 — — —
’25 4 3 7 4 18
’24 8 3 6 0 16
’23 12 3 11 0 26
’22 20 2 12 9 43
’21 9 12 7 5 33
’20 1 3 7 6 18
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 7 — — —
’25 4 3 8 1 17
’24 9 4 6 (2) 17
’23 13 3 11 (1) 25
’22 23 4 14 11 52
’21 8 10 8 5 31
’20 (1) 0 6 5 10
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 49 57 78 96 106 108 123 140 158 153 192 +13.6% 146 153 161 +1.6%
Gross margin, % 82.70 81.06 78.88 74.26 80.87 89.10 87.97 58.01 53.11 58.79 62.55 (23.9) pt
EBT 11 12 17 21 17 10 44 20 24 28 41 +10.4%
EBT margin, % 23.63 21.78 22.04 21.91 16.37 9.21 36.08 14.62 15.44 18.17 21.54 (5.5) pt
Net income 8 8 14 17 14 8 36 17 20 23 34 +12.6%
Per share, $
Per share, $ Revenue 6.84 6.81 8.20 9.63 9.76 10.33 12.19 14.20 16.11 15.61 13.89 +9.6%
Earnings 1.11 0.96 1.41 1.68 1.27 0.77 3.54 1.69 2.06 2.22 2.60 +8.0%
Cash flow 5.25 1.13 1.72 1.87 1.64 3.21 4.24 2.67 1.62 1.85 1.95 (10.9%)
Capex (0.12) (0.10) (0.50) (0.28) (0.68) (0.22) 0.96 (0.10) 0.09 (0.14) (0.11) +2.0%
Free cash flow 5.13 1.02 1.22 1.59 0.95 3.00 5.20 2.56 1.71 1.71 1.84 (11.5%)
Book value 15.87 20.56 19.11 24.36 22.42 23.29 21.39 23.05 24.59 30.63 30.47 +7.6%
Shares, m 7 8 10 10 11 10 10 10 10 10 12 +3.7%
Valuation, ×
Valuation, × P/E 17.07 24.28 17.59 14.29 13.02 23.91 6.10 8.82 10.66 12.04 10.61 14.8
P/S 2.77 3.46 3.02 2.49 1.69 1.78 1.77 1.05 1.36 1.71 1.99 2.1
P/B 1.19 1.15 1.30 0.99 0.74 0.79 1.01 0.65 0.89 0.97 0.98 1.0
EV/Sales 3.89 6.16 5.68 3.85 2.90 2.01 4.95 2.83 1.72 2.31 — 3.6
EV/FCF 5.18 41.48 38.53 23.45 30.10 6.94 11.63 15.72 16.29 21.15 — 21.0
Cash, $m
Cash, $m Operating cash flow 37 9 16 19 18 33 43 26 16 18 27 (7.7%)
Capex (1) (1) (5) (3) (7) (2) 10 (1) 1 (1) (2) +5.7%
Free cash flow 36 9 12 16 10 31 52 25 17 17 25 (8.2%)
Balance, $m
Balance, $m Working capital (43) 21 35 1 (26) (189) 27 (82) (257) (194) (174) +18.1%
Net debt 54 154 208 130 128 24 391 248 56 91 80 +5.9%
Shareholders’ equity 113 173 182 242 243 243 216 227 241 301 420 +11.5%
Returns, %
Returns, % ROA 0.72 0.58 0.79 0.85 0.62 0.33 1.35 0.60 0.73 0.79 0.95 +0.1 pt
ROIC 4.30 2.74 3.00 3.88 3.10 2.89 4.57 2.69 5.13 4.61 5.78 +0.3 pt
ROE 7.10 5.67 7.56 7.86 5.69 3.28 15.57 7.54 8.65 8.53 9.76 +1.4 pt
People
People Employees 152 258 255 324 326 343 331 331 327 327 — +8.9%
Revenue/emp, $m 0.32 0.22 0.31 0.30 0.32 0.31 0.37 0.42 0.48 0.47 — +4.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Investar Holding Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NECB Northeast Community Bancorp Inc. $398.0M 9.0× 11.9× −5.64% (below 0%: shrinking) −11.76% (below 0%: shrinking) −14.85% (below 0%: shrinking) 68.91% 0.00% Compare
NWFL Norwood Financial Corp. $387.1M 12.2× 11.5× +28.48% (above 0%: growing) +28.36% (above 0%: growing) +65.58% (above 0%: growing) 68.32% 0.00% Compare
PKBK Parke Bancorp, Inc. $383.2M 8.4× — +9.73% (above 0%: growing) +48.57% (above 0%: growing) −12.38% (below 0%: shrinking) 60.74% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $382.3M 12.5× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
ISTR Investar Holding Corporation $380.1M 10.6× 9.7× +48.21% (above 0%: growing) +39.13% (above 0%: growing) +108.35% (above 0%: growing) 64.92% 0.00%
AVBH Avidbank Holdings Inc. $375.2M — (loss-making) 10.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
FRST Primis Financial Corp. $365.3M 6.8× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00% Compare
TSBK Timberland Bancorp, Inc. $364.1M 11.7× — +4.36% (above 0%: growing) +10.00% (above 0%: growing) −24.92% (below 0%: shrinking) 73.48% 0.00% Compare
MVBF Mvb Financial Corp. $330.3M 8.4× 12.8× +33.88% (above 0%: growing) +493.75% (above 0%: growing) −42.33% (below 0%: shrinking) 75.80% 0.00% Compare
Median of peers $378.8M 9.0× 12.4× +12.66% +20.02% +26.60% 69.86% 0.00%

All 328 Banks Regional stocks →

Pay and ownership Proxy statement filed 8 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.48m 1.84m 132.93
2024 1.30m 1.92m 107.05
2023 1.27m 847.58k 71.05

Ownership

Directors and executive officers, together 3.74%
Wellington Management Group LLP 7.30%
Fourthstone LLC 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

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stockrow.com/ISTR · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com