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Monday 2 November 2026
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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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.04 | 10.66 | 8.82 | 6.10 | 23.91 | 13.02 | 14.29 | 17.59 | 24.28 | 17.07 |
Piotroski F-Score |
5 | 6 | 6 | 7 | 6 | 5 | 6 | 7 | 4 | 5 |
P/S ratio |
1.71 | 1.36 | 1.05 | 1.77 | 1.78 | 1.69 | 2.49 | 3.02 | 3.46 | 2.77 |
P/FCF ratio |
15.70 | 12.93 | 5.84 | 4.16 | 6.16 | 17.57 | 15.18 | 20.52 | 23.29 | 3.69 |
P/Operating CF |
72.53 | (740.60) | 495.27 | 23.67 | 39.46 | 27.78 | 49.35 | 55.51 | 94.42 | 31.70 |
P/B ratio |
0.97 | 0.89 | 0.65 | 1.01 | 0.79 | 0.74 | 0.99 | 1.30 | 1.15 | 1.19 |
Price to Tangible BV |
1.14 | 1.08 | 0.79 | 1.26 | 0.97 | 0.85 | 1.13 | 1.46 | 1.29 | 1.23 |
EV/Sales |
2.31 | 1.72 | 2.83 | 4.95 | 2.01 | 2.90 | 3.85 | 5.68 | 6.16 | 3.89 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
19.43 | 17.05 | 15.05 | 14.24 | 6.46 | 17.33 | 19.82 | 27.06 | 37.24 | 5.07 |
EV/FCF |
21.15 | 16.29 | 15.72 | 11.63 | 6.94 | 30.10 | 23.45 | 38.53 | 41.48 | 5.18 |
Quick Ratio |
0.02 | 0.01 | 0.01 | 0.02 | 0.05 | 0.02 | 0.03 | 0.01 | 0.02 | 0.03 |
Current Ratio |
0.92 | 0.89 | 0.96 | 1.01 | 0.91 | 0.99 | 1.00 | 1.03 | 1.02 | 0.95 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
4.69% | 3.08% | 9.96% | 15.66% | 4.83% | 7.04% | 8.12% | 12.58% | 11.39% | 7.23% |
Debt/Equity |
0.44 | 0.35 | 1.24 | 2.00 | 0.50 | 0.67 | 0.72 | 1.23 | 1.07 | 0.74 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
Operating CF/Net income |
0.83 | 0.79 | 1.57 | 1.20 | 4.20 | 1.28 | 1.11 | 1.22 | 1.17 | 4.73 |
Capex/Depreciation |
(0.62) | 0.27 | (0.29) | 1.80 | (0.32) | (1.17) | (0.99) | (5.33) | (0.34) | (0.30) |
| 8.53% | 8.65% | 7.54% | 15.57% | 3.28% | 5.69% | 7.86% | 7.56% | 5.67% | 7.10% | |
| 0.79% | 0.73% | 0.60% | 1.35% | 0.33% | 0.62% | 0.85% | 0.79% | 0.58% | 0.72% | |
ROIC |
4.61% | 5.13% | 2.69% | 4.57% | 2.89% | 3.10% | 3.88% | 3.00% | 2.74% | 4.30% |
Return on Tangible Assets |
(14.16%) | (9.37%) | (44.56%) | 46.82% | (6.10%) | 45.91% | 31.89% | 17.94% | 13.87% | (67.72%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
38.13% | 35.72% | 40.68% | 48.29% | 72.98% | 59.17% | 46.54% | 51.73% | 52.74% | 56.00% |
Intangible Assets out of Total Assets |
0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
Share Based Compensation of Revenue |
1.29% | 1.24% | 1.42% | 1.71% | 1.62% | 1.55% | 1.49% | 1.37% | 1.38% | 1.25% |
Graham Net Nets |
(1.24) | (1.58) | (2.47) | (1.86) | (1.62) | (1.06) | (0.73) | (0.80) | (0.83) | (0.94) |
Graham Number |
37.09 | 33.76 | 29.60 | 41.28 | 20.09 | 25.31 | 30.35 | 24.62 | 21.19 | 19.91 |
Earnings Yield |
8.31% | 9.38% | 11.34% | 16.40% | 4.18% | 7.68% | 7.00% | 5.69% | 4.12% | 5.86% |
Free Cash Flow Yield |
6.37% | 7.73% | 17.13% | 24.04% | 16.24% | 5.69% | 6.59% | 4.87% | 4.29% | 27.08% |
Revenue per Share |
15.61 | 16.11 | 14.20 | 12.19 | 10.33 | 9.76 | 9.63 | 8.20 | 6.81 | 6.84 |
Operating CF per Share |
1.85 | 1.62 | 2.67 | 4.24 | 3.21 | 1.64 | 1.87 | 1.72 | 1.13 | 5.25 |
Capex per Share |
(0.14) | 0.09 | (0.10) | 0.96 | (0.22) | (0.68) | (0.28) | (0.50) | (0.10) | (0.12) |
Free Cash Flow per Share |
1.71 | 1.71 | 2.56 | 5.20 | 3.00 | 0.95 | 1.59 | 1.22 | 1.02 | 5.13 |
Cash per Share |
4.22 | 2.85 | 3.25 | 3.99 | 9.32 | 3.26 | 4.50 | 1.80 | 3.62 | 4.14 |
Shareholders Equity per Share |
30.63 | 24.59 | 23.05 | 21.39 | 23.29 | 22.42 | 24.36 | 19.11 | 20.56 | 15.87 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
30.63 | 24.59 | 23.05 | 21.39 | 23.29 | 22.42 | 24.36 | 19.11 | 20.56 | 15.87 |
Free Cash Flow |
16.83 | 16.76 | 25.22 | 52.46 | 31.24 | 10.32 | 15.80 | 11.63 | 8.59 | 36.47 |
Working Capital |
(193.82) | (256.90) | (81.61) | 26.61 | (188.95) | (26.21) | 1.37 | 34.56 | 20.82 | (43.36) |
Capital Expenditures |
(1.38) | 0.84 | (1.03) | 9.71 | (2.25) | (7.43) | (2.77) | (4.78) | (0.86) | (0.84) |
Net Current Asset Value |
(326.56) | (340.81) | (361.93) | (404.61) | (310.44) | (189.60) | (173.06) | (190.14) | (164.01) | (127.16) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | (0.01) | 0.01 | (0.08) | 0.02 | 0.07 | 0.03 | 0.06 | 0.02 | 0.02 |
Price to Operating Income |
9.08 | 8.83 | 7.18 | 4.91 | 15.52 | 9.75 | 10.34 | 12.66 | 13.82 | 11.72 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.06 | 0.08 | 0.08 | 0.11 | 0.12 | 0.11 | 0.06 | 0.02 | 0.07 | 0.09 |
Cash ROIC |
3.54% | 4.75% | 4.68% | 7.63% | 6.77% | 2.33% | 3.43% | 2.74% | 2.21% | 16.14% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
13,564.20 | 11,553.72 | 14,030.78 | 51,411.20 | 65,987.13 | 34,010.65 | 25,312.19 | 30,084.85 | 41,297.58 | 39,384.55 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,348.10 | 2,300.84 | 2,169.05 | 2,101.32 | 2,004.05 | 1,797.77 | 1,534.72 | 1,293.48 | 1,066.51 | 822.60 |
Average Assets |
2,777.93 | 2,768.98 | 2,784.48 | 2,633.51 | 2,417.19 | 2,235.05 | 1,967.69 | 1,704.60 | 1,390.85 | 1,095.26 |
Average Common Equity |
256.01 | 234.03 | 221.28 | 229.19 | 242.94 | 242.63 | 212.12 | 177.50 | 142.74 | 111.05 |
Columns are period end dates · fundamentals updated 25 Oct 2026