ISTR

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Investar Holding Corp.

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Key Metrics

Previous Close: $28.96
52-Week Range: $21.43 – $31.77
Market Cap: $405.18M
P/E (TTM): 12.10
EPS (TTM): 2.43
Dividend Yield: 1.63%

Advanced Metrics

Price/Book: 1.04
PEG Ratio: —
Return on Equity: 9.94%
Return on Assets: 1.02%
Gross Margin: 0.00%
Operating Margin: 39.12%
Profit Margin: 27.65%
Current Ratio: —
Debt/Equity: —
Total Debt: $208.56M
Free Cash Flow: —
Revenue Growth: 66.20%
Earnings Growth: 33.50%
Enterprise Value: $560.26M

ISTR Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$108.39M	$82.38M	$82.41M	$90.24M
Selling, General & Admin	$35.24M	$37.45M	$38.98M	$40.66M
Pretax Income	$44.35M	$20.43M	$24.41M	$27.89M
Income Tax	$8.64M	$3.75M	$4.15M	$4.98M
Net Income	$35.71M	$16.68M	$20.25M	$22.90M
Diluted EPS	3.50	1.69	2.04	2.13
Diluted Shares	10.20M	9.87M	9.93M	10.26M

ISTR Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$40.07M	$32.01M	$27.92M	$41.51M
Receivables	$12.75M	$14.37M	$14.42M	$14.29M
Total Assets	$2.75B	$2.82B	$2.72B	$2.83B
Long-Term Debt	$439.74M	$76.45M	$92.64M	$141.57M
Total Debt	$439.74M	$76.45M	$92.64M	$141.57M
Total Liabilities	$2.54B	$2.59B	$2.48B	$2.53B
Retained Earnings	$108.21M	$116.71M	$132.94M	$150.51M
Shareholders' Equity	$215.78M	$226.77M	$241.30M	$301.07M
Net Debt	$399.67M	$44.44M	$64.72M	$100.06M

ISTR Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$42.75M	$26.25M	$15.93M	$18.22M
Capital Expenditure	-$1.06M	-$1.07M	-$506.00K	-$1.38M
Free Cash Flow	$41.69M	$25.18M	$15.42M	$16.83M
Depreciation & Amortisation	$4.43M	$3.78M	$3.10M	$2.79M
Stock-Based Compensation	$2.11M	$1.99M	$1.96M	$1.98M
Investing Cash Flow	-$350.99M	-$73.49M	$90.06M	-$83.91M
Financing Cash Flow	$251.46M	$38.99M	-$110.08M	$79.27M
Dividends Paid	-$3.55M	-$3.84M	-$3.97M	-$4.75M
Share Repurchases	-$10.54M	-$3.03M	-$305.00K	-$2.29M
Net Change in Cash	-$56.78M	-$8.25M	-$4.09M	$13.58M

ISTR Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$22.27M	$24.14M	$23.47M	$35.64M	$36.55M
Selling, General & Admin	$10.37M	$10.40M	$10.17M	$13.05M	$13.56M
Pretax Income	$5.43M	$7.47M	$7.27M	$14.91M	$11.61M
Income Tax	$935.00K	$1.29M	$1.33M	$2.88M	$2.14M
Net Income	$4.49M	$6.18M	$5.94M	$12.02M	$9.47M
Diluted EPS	0.46	0.54	0.51	0.77	0.61
Diluted Shares	9.96M	11.53M	11.55M	15.55M	15.54M

ISTR Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$55.22M	$35.37M	$41.51M	$79.61M	$72.30M
Receivables	$14.03M	$14.86M	$14.29M	$19.76M	$18.89M
Total Assets	$2.75B	$2.80B	$2.83B	$3.88B	$3.86B
Long-Term Debt	$95.50M	$85.53M	$141.57M	$175.80M	$175.75M
Total Debt	$95.50M	$85.53M	$141.57M	$175.80M	$175.75M
Total Liabilities	$2.49B	$2.51B	$2.53B	$3.46B	$3.44B
Retained Earnings	$141.61M	$146.18M	$150.51M	$160.49M	$167.78M
Shareholders' Equity	$255.93M	$295.30M	$301.07M	$414.63M	$420.13M
Net Debt	$40.27M	$50.16M	$100.06M	$96.19M	$103.45M

ISTR Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$3.18M	$6.94M	$3.62M	$9.94M	$6.45M
Capital Expenditure	-$216.00K	-$497.00K	-$455.00K	-$651.00K	-$547.00K
Free Cash Flow	$2.96M	$6.44M	$3.17M	$9.29M	$5.90M
Depreciation & Amortisation	$710.00K	$683.00K	$678.00K	$1.34M	$1.33M
Stock-Based Compensation	$514.00K	$512.00K	$504.00K	$473.00K	$517.00K
Investing Cash Flow	-$7.76M	-$66.94M	-$24.88M	$155.47M	$7.69M
Financing Cash Flow	$16.28M	$40.15M	$27.39M	-$127.31M	-$21.45M
Dividends Paid	-$1.03M	-$1.08M	-$1.61M	-$1.61M	-$2.04M
Share Repurchases	-$634.00K	-$321.00K	-$689.00K	-$1.55M	-$763.00K
Net Change in Cash	$11.70M	-$19.85M	$6.13M	$38.11M	-$7.31M

Market Snapshot

About

Investar Holding Corporation is the bank holding company for Investar Bank, a Louisiana-based community bank. The bank provides a full range of commercial banking products and services to individuals and small to medium-sized businesses in Louisiana. Investar Bank offers commercial loans, real estate loans, consumer loans, and various deposit products through its branch network. The bank emphasizes relationship banking and local decision-making to serve its communities effectively. Investar focuses on markets along the Interstate 10 and Interstate 12 corridors in south Louisiana, serving both established businesses and growing enterprises in the region.