insiderdelta
CoverageForm 410-K10-Q8-K13D13G13F

ISTR · Investar Holding Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · ISTR

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$93.63M$87.44M$83.06M$105.21M$74.47M-
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$2.79M$3.10M$3.78M$4.43M$4.99M$4.57M
Operating Income$27.89M$24.41M$20.43M$44.35M$9.91M$17.34M
Interest Expense--$58.68M$14.78M$11.73M$20.26M
Income Tax$4.98M$4.15M$3.75M$8.64M$1.91M$3.45M
Net Income$22.90M$20.25M$16.68M$35.71M$8.00M$13.89M
EPS - Basic$2.22$2.06$1.69$3.54$0.77$1.27
EPS - Diluted$2.13$2.04$1.69$3.50$0.76$1.27

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents-----$35.37M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$2.83B$2.72B$2.82B$2.75B$2.51B$2.32B
Current Liabilities------
Long-term Debt$9.79M$9.79M$9.79M$9.79M$9.79M-
Total Liabilities$2.53B$2.48B$2.59B$2.54B$2.27B$2.08B
Stockholders' Equity$301.07M$241.30M$226.77M$215.78M$242.60M$243.28M
Retained Earnings$150.51M$132.94M$116.71M$108.21M$76.16M$71.39M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$18.22M$15.93M$26.25M$42.75M$33.48M$17.75M
Investing Cash Flow($83.91M)$90.06M($73.49M)($350.99M)$53.40M($148.14M)
Financing Cash Flow$79.27M($110.08M)$38.99M$251.46M($25.21M)$121.07M
CapEx------
Free Cash Flow------

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin29.8%27.9%24.6%42.2%13.3%-
EBITDA margin32.8%31.5%29.1%46.4%20.0%-
Net margin24.5%23.2%20.1%33.9%10.7%-
Free cash flow margin------
FCF / Net income------
R&D / Revenue------
SG&A / Revenue------
Effective tax rate17.9%17.0%18.4%19.5%19.3%19.9%
Return on assets0.8%0.7%0.6%1.3%0.3%0.6%
Return on equity7.6%8.4%7.4%16.5%3.3%5.7%
Return on invested capital7.4%8.1%7.1%15.8%3.2%-
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.030.040.040.050.04-
Debt / Assets0.000.000.000.000.00-
Debt / EBITDA0.320.360.400.200.66-
Interest coverage--0.3x3.0x0.8x0.9x
Equity multiplier9.4111.2812.4112.7610.369.54
Liabilities / Assets0.890.910.920.920.900.90
Efficiency
Asset turnover0.030.030.030.040.03-
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E12.5x10.8x8.8x6.2x24.2x13.0x
P / B1.0x0.9x0.6x1.0x0.8x0.7x
P / S3.1x2.5x1.8x2.1x2.6x-
EV / EBITDA9.7x8.3x6.5x4.7x13.6x6.6x
Growth
Revenue growth (YoY)7.1%5.3%-21.1%41.3%--
Revenue CAGR (3y)-3.8%5.5%----
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)14.3%19.5%-53.9%347.6%-42.9%-17.3%
Net income growth (YoY)13.1%21.4%-53.3%346.4%-42.4%-17.5%
EPS growth (YoY)4.4%20.7%-51.7%360.5%-40.2%-23.5%
EPS CAGR (3y)-15.3%39.0%10.0%28.2%-18.2%9.8%
EPS CAGR (5y)10.9%4.2%4.0%29.5%-7.1%5.5%
FCF growth (YoY)------
FCF CAGR (5y)------
Book value growth (YoY)24.8%6.4%5.1%-11.1%-0.3%0.5%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Product / service

$4.83M total
Deposit Account$3.26M · 67.4%
Credit And Debit Card$1.57M · 32.6%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✓ROA improved YoY
  • ✗Cash flow > net income
  • ✗Long-term debt decreased
  • -Current ratio improved
  • ✗No share dilution
  • -Gross margin improved
  • ✓Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
CBSH--14.9%
SBSI--8.2%
BUSE$719.58M18.8%5.5%

Comparing Investar Holding Corp against the 5 most active filers in the same SIC group.

Dividends

$0.44/share trailing 12 months · +6.0% YoY

Ex-datePer share
Mar 31, 2026$0.1100
Dec 31, 2025$0.1100
Sep 30, 2025$0.1100
Jun 30, 2025$0.1100
Mar 31, 2025$0.1050
Dec 31, 2024$0.1050
Sep 30, 2024$0.1050
Jul 1, 2024$0.1000
Mar 28, 2024$0.1000
Dec 29, 2023$0.1000
Sep 29, 2023$0.1000
Jun 30, 2023$0.1000
Mar 30, 2023$0.0950
Dec 29, 2022$0.0950
Sep 29, 2022$0.0950
Jun 29, 2022$0.0900
Mar 30, 2022$0.0850
Dec 30, 2021$0.0800
Sep 29, 2021$0.0800
Jun 29, 2021$0.0800
Mar 26, 2021$0.0700
Dec 24, 2020$0.0650
Oct 2, 2020$0.0650
Jul 2, 2020$0.0600