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Investar Holding Corporation logo

Investar Holding Corporation

ISTR

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$30.31

+$0.22 · +0.73%

Aug 21, 4:00 PM ET

ISTR company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

77

Undervalued

Momentum

66

Gaining

Sentiment

67

Bullish

Risk resilience

78

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $30.31

52-week range

Current $30.31

Open
$30.29
Previous close
$30.09
Volume
345.73K
Market cap
416.76M USD
50-day average
$29.8866
+1.42% above average
200-day average
$28.0161
+8.19% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
388.97M USD
P/E (TTM)
11.66×
P/B (TTM)
1.01×
P/S (TTM)
2.21×
EV / EBITDA
12.71×
Earnings yield
8.71%
Free cash flow yield
6.40%
Dividend yield
1.48%

Profitability & efficiency

Gross margin
61.74%
Operating margin
19.27%
Net margin
17.83%
Return on equity
7.61%
Return on assets
0.81%
Return on invested capital
-2.84%

Financial health

Debt / equity
0.46×
Current ratio
0.31×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends93%62%31%-0%Gross margin, FY2021: 67.95%Gross margin, FY2022: 85.63%Gross margin, FY2023: 59.82%Gross margin, FY2024: 54.87%Gross margin, FY2025: 60.96%Operating margin, FY2021: 9.18%Operating margin, FY2022: 36.00%Operating margin, FY2023: 14.48%Operating margin, FY2024: 15.59%Operating margin, FY2025: 18.12%Net margin, FY2021: 7.41%Net margin, FY2022: 28.99%Net margin, FY2023: 11.82%Net margin, FY2024: 12.94%Net margin, FY2025: 14.92%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 67.95%. Gross margin FY2022 85.63%. Gross margin FY2023 59.82%. Gross margin FY2024 54.87%. Gross margin FY2025 60.96%. Operating margin FY2021 9.18%. Operating margin FY2022 36.00%. Operating margin FY2023 14.48%. Operating margin FY2024 15.59%. Operating margin FY2025 18.12%. Net margin FY2021 7.41%. Net margin FY2022 28.99%. Net margin FY2023 11.82%. Net margin FY2024 12.94%. Net margin FY2025 14.92%.

Income trends

Revenue

153.49M USD-1.94%

Operating income

27.81M USD+13.95%

Net income

22.9M USD+13.10%
Income trends across reported periods171.37M USD111.96M USD52.56M USD−6.85M USDRevenue, FY2021: 107.99M USDRevenue, FY2022: 123.18M USDRevenue, FY2023: 141.06M USDRevenue, FY2024: 156.52M USDRevenue, FY2025: 153.49M USDOperating income, FY2021: 9.91M USDOperating income, FY2022: 44.35M USDOperating income, FY2023: 20.43M USDOperating income, FY2024: 24.41M USDOperating income, FY2025: 27.81M USDNet income, FY2021: 8M USDNet income, FY2022: 35.71M USDNet income, FY2023: 16.68M USDNet income, FY2024: 20.25M USDNet income, FY2025: 22.9M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 107.99M USD. Revenue FY2022 123.18M USD. Revenue FY2023 141.06M USD. Revenue FY2024 156.52M USD. Revenue FY2025 153.49M USD. Operating income FY2021 9.91M USD. Operating income FY2022 44.35M USD. Operating income FY2023 20.43M USD. Operating income FY2024 24.41M USD. Operating income FY2025 27.81M USD. Net income FY2021 8M USD. Net income FY2022 35.71M USD. Net income FY2023 16.68M USD. Net income FY2024 20.25M USD. Net income FY2025 22.9M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue153.49M USD156.52M USD141.06M USD123.18M USD107.99M USD
Cost of goods sold59.93M USD70.63M USD56.68M USD17.71M USD34.61M USD
Gross profit93.56M USD85.89M USD84.38M USD105.47M USD73.38M USD
Selling, general, and administrative42.19M USD38.99M USD37.45M USD35.24M USD35.8M USD
Operating expenses65.75M USD61.48M USD63.95M USD61.12M USD63.47M USD
Interest income144.02M USD143.87M USD133.2M USD104.57M USD95.54M USD
Interest expense63.24M USD74.11M USD58.68M USD14.78M USD11.73M USD
Depreciation and amortization2.79M USD3.1M USD3.78M USD4.44M USD4.99M USD
Operating income27.81M USD24.41M USD20.43M USD44.35M USD9.91M USD
Net income22.9M USD20.25M USD16.68M USD35.71M USD8M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+35.37%
11 comparable reports
Latest EPS result
0.75
Estimate 0.71 · Beat by 6.08%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.910.710.510.31Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 0.611, estimate 0.39, surprise +56.67%, Beat. Q2 2025, reported Apr 21, 2025: actual 0.64, estimate 0.35, surprise +82.86%, Beat. Q3 2025, reported Jul 21, 2025: actual 0.47, estimate 0.4, surprise +17.50%, Beat. Q4 2025, reported Oct 20, 2025: actual 0.54, estimate 0.48, surprise +12.50%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.58, estimate 0.54, surprise +7.41%, Beat. Q2 2026, reported Apr 20, 2026: actual 0.87, estimate 0.69, surprise +26.09%, Beat. Q3 2026, reported Jul 20, 2026: actual 0.75, estimate 0.707, surprise +6.08%, Beat. Q4 2026, reported Oct 19, 2026: actual —, estimate 0.76, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates38.95M32.28M25.61M18.94MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 22.65M USD, estimate 20.9M USD, surprise +8.35%, Beat. Q2 2025, reported Apr 21, 2025: actual 20.44M USD, estimate 21.1M USD, surprise -3.15%, Miss. Q3 2025, reported Jul 21, 2025: actual 22.22M USD, estimate 21.15M USD, surprise +5.04%, Beat. Q4 2025, reported Oct 20, 2025: actual 24.14M USD, estimate 24.45M USD, surprise -1.26%, Miss. Q1 2026, reported Jan 22, 2026: actual 23.47M USD, estimate 24.4M USD, surprise -3.80%, Miss. Q2 2026, reported Apr 20, 2026: actual 35.64M USD, estimate 36.4M USD, surprise -2.09%, Miss. Q3 2026, reported Jul 20, 2026: actual 36.55M USD, estimate 36.35M USD, surprise +0.54%, Beat. Q4 2026, reported Oct 19, 2026: actual —, estimate 37.45M USD, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.435

2025 complete year+40.3% since 2021

2026 partial: $0.23

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 30, 2026

$0.12

Quarterly

Record Jun 30, 2026 · Payment Jul 31, 2026

Dividend

Ex-dividend Mar 31, 2026

$0.11

Quarterly

Record Mar 31, 2026 · Payment Apr 30, 2026

Dividend

Ex-dividend Dec 31, 2025

$0.11

Quarterly

Record Dec 31, 2025 · Payment Jan 30, 2026

Dividend

Ex-dividend Sep 30, 2025

$0.11

Quarterly

Record Sep 30, 2025 · Payment Oct 31, 2025

Dividend

Ex-dividend Jun 30, 2025

$0.11

Quarterly

Record Jun 30, 2025 · Payment Jul 31, 2025

Dividend

Ex-dividend Mar 31, 2025

$0.105

Quarterly

Record Mar 31, 2025 · Payment Apr 30, 2025

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ETFs holding ISTR

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
11.92M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
10.31M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
4.23M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
3.84M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
2.34M
Weight
0.03%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
2.22M
Weight
0.09%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
2.16M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
2.07M
Weight
0.01%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%

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