Investar Holding Corporation (ISTR) vs Timberland Bancorp, Inc. (TSBK)

Investar Holding Corporation and Timberland Bancorp, Inc. are both Banks Regional companies. Investar Holding Corporation and Timberland Bancorp, Inc. are of similar size ($380.1M and $364.1M). Investar Holding Corporation trades at the lower P/E: 10.6× against 11.7×. Investar Holding Corporation grew revenue faster over the last twelve months: 23.2% against 6.43%. Timberland Bancorp, Inc. has the higher net margin (26.5% vs 16.5%) and the higher return on invested capital (83.9% vs 5.78%). Both pay a dividend; Timberland Bancorp, Inc. yields more (2.48% vs 1.67%). Across the 19 metrics below, Timberland Bancorp, Inc. leads on 13 and Investar Holding Corporation on 6.

Valuation

Metric ISTR TSBK Banks Regional median
P/E 10.61 11.68 12.28
P/S 1.99 3.07 2.37
P/B 0.98 1.34 1.21
Price to free cash flow 15.06 12.57 11.06
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.42% 8.56% 8.02%
Free cash flow yield 6.64% 7.96% 8.80%

Profitability

Metric ISTR TSBK Banks Regional median
Gross margin 62.55% 73.10% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.45% 26.46% 18.68%
Free cash flow margin 13.24% 24.42% 21.11%
Return on equity 9.76% 11.89% 10.64%
Return on assets 0.95% 1.57% 1.13%
Return on invested capital 5.78% 83.89% 8.33%

Growth

Metric ISTR TSBK Banks Regional median
Revenue growth (TTM) 23.18% 6.43% 6.80%
EPS growth (last fiscal year) 4.41% 21.93% 18.82%
Revenue growth, 5-year CAGR 7.71% 9.51% 12.56%
Net income growth, 5-year CAGR 9.60% 3.74% 9.83%

Health

Metric ISTR TSBK Banks Regional median
Debt to equity 0.36 0.04 0.21
Current ratio 0.95 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISTR TSBK Banks Regional median
Dividend yield 1.67% 2.48% 2.69%
Payout ratio 0.19 0.29 0.32

Size

Metric ISTR TSBK Banks Regional median
Market cap 380.11m 364.06m 921.62m

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