Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ISTR
BuyPremium GrowerFLAGInvestar Holding Corporation · Financial Services · United States · $417M · Avg Vol: $3M/d
Insufficient evidence for a screen-pass. Investar Holding Corporation: fails the quant gate on value (Q50/V46/M66; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.
COMPANY DESCRIPTION
Investar Holding Corporation operates as a bank holding company for Investar Bank, providing a full range of commercial and retail banking services to small and medium-sized businesses and individuals primarily across Louisiana and Texas. The company distinguishes itself through a strong focus on relationship-based community banking, fostering deep client ties within its localized markets. This approach enables it to capture and retain customers in its specific operating regions, offering a competitive advantage against larger national banks.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 108.4M | 82.4M | 82.4M | 90.2M | -5.9% | 121.6M | 147.6M | 154.9M | 31.0% |
| EPS | 3.54 | 1.69 | 2.06 | 2.22 | -14.4% | 2.42 | 3.15 | 3.28 | 21.6% |
| Shares | 9.9M | 9.7M | 9.8M | 9.8M | -1.0% | — | — | — | — |
| Debt | 439.7M | 76.5M | 92.6M | 141.6M | -31.5% | 208.6M | — | — | — |
| Equity | 215.8M | 226.8M | 241.3M | 301.1M | 11.7% | — | — | — | — |
| Op CF | 42.7M | 26.2M | 15.9M | 18.2M | -24.7% | 26.9M | — | — | — |
| Inv CF | -351.0M | -73.5M | 90.1M | -83.9M | — | — | — | — | — |
| Fin CF | 251.5M | 39.0M | -110.1M | 79.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ISTR are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ISTR | Investar Holding Corporation(you) | $417M | 67 | Buy |
| WSBF | Waterstone Financial, Inc. | $379M | 66 | Buy |
| CZNC | Citizens & Northern Corporation | $458M | 65 | Hold |
| PCB | PCB Bancorp | $386M | 70 | Buy |
| PLBC | Plumas Bancorp | $430M | 71 | Buy |
| USCB | USCB Financial Holdings, Inc. | $414M | 61 | Hold |
| CBK | Commercial Bancgroup, Inc. | $467M | 63 | Hold |
| NRIM | Northrim BanCorp, Inc. | $571M | 67 | Buy |
| OBT | Orange County Bancorp, Inc. | $511M | 70 | Buy |
| NECB | Northeast Community Bancorp, Inc. | $364M | 71 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%