8-K Announcements
6Material company update
Jun 22, 2026·SEC
Material company update
May 22, 2026·SEC
Material company update
Apr 20, 2026·SEC
Investar Holding Corporation(ISTR)Earnings, Financials & Key Ratios
ISTR•NASDAQ•Banking & Credit
$29.88
14.4× P/E·Price updated Jun 27, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutInvestar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals and small to medium-sized businesses in South Louisiana. The company offers various deposit products and services, such as savings, checking, money market, and individual retirement accounts, as well as various certificates of deposit; debit cards; and mobile banking services. It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate lending, such as second mortgage loans; consumer loans, such as secured and unsecured installment and term loans, home equity loans and lines of credit, and auto loans, as well as loans for personal, family, and household purposes. In addition, the company offers cash management products, including remote deposit capture, virtual vault, electronic statements, positive pay, ACH origination and wire transfer, investment sweep accounts, and business Internet banking services. Further, it provides various other banking services, such as cashiers' checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, automated teller machine, interactive teller machines, merchant card, and mobile wallet payment services. The company operates through a network of 24 full service branches. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.Show more
- Net Interest Income$81M+15.8%
- Total Revenue$153M-1.9%
- Net Income$23M+13.1%
- Return on Equity8.45%-2.4%
- Net Interest Margin2.85%+11.3%
- Efficiency Ratio42.84%+9.1%
- ROA0.82%+12.7%
- Equity / Assets10.63%+19.9%
- Book Value per Share28.38+16.9%
ISTR Price & Volume
Investar Holding Corporation (ISTR) stock price & volume — 10-year historical chart
Loading chart...
Securities Portfolio Expansion Masks Core Margin Stagnation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial Position:Adequate
Cash Flow:Mixed
Primary Risk:CRE Concentration and Insurance
"Investar Holding Corporation is currently undergoing a significant strategic pivot, evidenced by a massive expansion of its investment securities portfolio to $3.5 billion in 2026Q1, which now constitutes the majority of its $3.9 billion asset base. While the recent surge in net interest income to $32.7 million suggests a potential inflection point, the bank's persistent net interest margin compression, which has fluctuated between 0.6% and 0.8% over the last ten quarters, remains a primary concern. Investors should monitor whether this shift toward a securities-heavy balance sheet can sustainably improve profitability or if it merely obscures underlying credit risks associated with the bank's historical concentration in South Louisiana commercial real estate."
Verdict Logic
while the 2026Q1 net interest income growth of 78.0% is notable, the bank's reliance on a $3.5 billion securities portfolio to drive assets suggests a high-risk transition that warrants further scrutiny of long-term margin sustainability.
ISTR Growth Metrics
Investar Holding Corporation (ISTR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.89%
5 Years7.7%
3 Years7.61%
TTM-
Profit CAGR
10 Years12.47%
5 Years10.52%
3 Years-13.76%
TTM31.12%
EPS CAGR
10 Years7.93%
5 Years10.37%
3 Years-15.93%
TTM1.37%
Return on Capital
10 Years4.51%
5 Years4.49%
3 Years3.87%
Last Year2.96%
ISTR Recent Earnings
Investar Holding Corporation (ISTR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.87+26.1%
$0.69
Rev
$36M-2.1%
$36M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.56
—
Rev
$39M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.58+10.1%
$0.53
Rev
$23M-3.8%
$24M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.58+7.4%
$0.54
Rev
$23M-3.8%
$24M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.87vs $0.69+26.1% | $36Mvs $36M-2.1% |
| Q2 2026 | Mar 16, 2026 | $0.56 | $39M |
| Q1 2026 | Jan 26, 2026 | $0.58vs $0.53+10.1% | $23Mvs $24M-3.8% |
| Q1 2026 | Jan 22, 2026 | $0.58vs $0.54+7.4% | $23Mvs $24M-3.8% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Investar Holding Corporation (ISTR)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $29.88 | $323.06M | 14.37 | -1.94% | 14.92% | 8.45% | 1.33% | |
| $20.99 | $64.1M | 16.66 | -2.88% | 17.78% | 10.42% | — | |
| $62.68 | $1.56B | 15.63 | -1.93% | 25.81% | 14.79% | — | |
| $35.24 | $5.05B | 19.91 | 11.71% | 31.14% | 14.2% | — | |
| $88.52 | $4.84B | 17.49 | 4.13% | 29.04% | 16.31% | — | |
| $41.05 | $678.52M | 15.49 | 8.75% | 20.72% | 12.04% | — |
Compare ISTR vs Peers
Investar Holding Corporation (ISTR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ISTR SEC Filings & Documents
Investar Holding Corporation (ISTR) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when ISTR posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
ISTR Frequently Asked Questions
Investar Holding Corporation (ISTR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Investar Holding Corporation growing?
Investar Holding Corporation (ISTR) saw revenue decline by 1.9% over the past year.
Is ISTR profitable?
Yes, Investar Holding Corporation (ISTR) is profitable, generating $28.6M in net income for fiscal year 2025 (14.9% net margin).
Dividend & Returns
Does ISTR pay dividends?
Yes, Investar Holding Corporation (ISTR) pays a dividend with a yield of 1.33%. This makes it attractive for income-focused investors.
What is ISTR's return on equity?
Investar Holding Corporation (ISTR) has a return on equity (ROE) of 8.4%. This is below average, suggesting room for improvement.
Industry Metrics
What is Investar Holding Corporation's net interest margin?
Investar Holding Corporation (ISTR) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is Investar Holding Corporation's efficiency ratio?
Investar Holding Corporation (ISTR) has an efficiency ratio of 42.8%. This is excellent, indicating strong cost control.