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.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | $24.00M | $22.13M | $23.95M | - | $22.34M | $20.36M | $21.38M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.34M | - | $683.0K | $710.0K | $721.0K | - | $760.0K | $787.0K | $812.0K | - |
| Operating Income | $14.91M | - | $7.47M | $5.43M | $7.71M | - | $6.17M | $4.89M | $6.09M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $18.51M | - |
| Income Tax | $2.88M | - | $1.29M | $935.0K | $1.42M | - | $784.0K | $829.0K | $1.38M | - |
| Net Income | $12.02M | - | $6.18M | $4.49M | $6.29M | - | $5.38M | $4.06M | $4.71M | - |
| EPS - Basic | $0.84 | - | $0.57 | $0.46 | $0.64 | - | $0.55 | $0.41 | $0.48 | - |
| EPS - Diluted | $0.77 | - | $0.54 | $0.46 | $0.63 | - | $0.54 | $0.41 | $0.48 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $3.88B | $2.83B | $2.80B | $2.75B | $2.73B | $2.72B | $2.80B | $2.79B | $2.79B | $2.82B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $9.79M | - | - | - | $9.79M | - | - | - | $9.79M |
| Total Liabilities | $3.46B | $2.53B | $2.51B | $2.49B | $2.48B | $2.48B | $2.56B | $2.56B | $2.56B | $2.59B |
| Stockholders' Equity | $414.63M | $301.07M | $295.30M | $255.93M | $251.74M | $241.30M | $245.54M | $230.20M | $227.00M | $226.77M |
| Retained Earnings | $160.49M | $150.51M | $146.18M | $141.61M | $138.20M | $132.94M | $127.86M | $123.51M | $120.44M | $116.71M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.94M | - | - | - | $4.48M | - | - | - | $7.83M | - |
| Investing Cash Flow | $155.47M | - | - | - | $15.68M | - | - | - | $35.90M | - |
| Financing Cash Flow | ($127.31M) | - | - | - | ($4.55M) | - | - | - | ($33.89M) | - |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | 31.1% | 24.5% | 32.2% | - | 27.6% | 24.0% | 28.5% | - |
| EBITDA margin | - | - | 34.0% | 27.7% | 35.2% | - | 31.0% | 27.9% | 32.3% | - |
| Net margin | - | - | 25.7% | 20.3% | 26.3% | - | 24.1% | 19.9% | 22.0% | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 19.4% | - | 17.3% | 17.2% | 18.4% | - | 12.7% | 17.0% | 22.7% | - |
| Return on assets | 0.3% | - | 0.2% | 0.2% | 0.2% | - | 0.2% | 0.1% | 0.2% | - |
| Return on equity | 2.9% | - | 2.1% | 1.8% | 2.5% | - | 2.2% | 1.8% | 2.1% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.03 | - | - | - | 0.04 | - | - | - | 0.04 |
| Debt / Assets | - | 0.00 | - | - | - | 0.00 | - | - | - | 0.00 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.3x | - |
| Equity multiplier | 9.35 | 9.41 | 9.48 | 10.74 | 10.84 | 11.28 | 11.41 | 12.11 | 12.28 | 12.41 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.91 | 0.91 | 0.91 | 0.91 | 0.92 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | 0.01 | 0.01 | 0.01 | - | 0.01 | 0.01 | 0.01 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 35.4x | - | 43.0x | 42.0x | 28.0x | - | 35.9x | 37.6x | 34.1x | - |
| P / B | 1.0x | - | 0.9x | 0.8x | 0.7x | - | 0.8x | 0.7x | 0.7x | - |
| P / S | - | - | 11.1x | 8.7x | 7.3x | - | 8.6x | 7.5x | 7.5x | - |
| EV / EBITDA | 26.1x | - | 32.8x | 31.3x | 20.8x | - | 27.7x | 26.9x | 23.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | 7.4% | 8.7% | 12.0% | - | 16.7% | -12.6% | 2.5% | - |
| Revenue CAGR (3y) | - | - | -1.3% | -6.9% | -5.2% | - | 4.5% | -6.8% | 13.4% | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 93.3% | - | 21.2% | 11.1% | 26.7% | - | 83.2% | -39.3% | 29.9% | - |
| Net income growth (YoY) | 91.1% | - | 14.8% | 10.8% | 33.7% | - | 93.5% | -38.0% | 23.5% | - |
| EPS growth (YoY) | 22.2% | - | 0.0% | 12.2% | 31.3% | - | 92.9% | -38.8% | 26.3% | - |
| EPS CAGR (3y) | 26.5% | - | -9.6% | -20.6% | -13.4% | - | - | -8.2% | -2.0% | - |
| EPS CAGR (5y) | 8.6% | - | 5.7% | 3.4% | 66.0% | - | 3.3% | -3.1% | 3.7% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 64.7% | 24.8% | 20.3% | 11.2% | 10.9% | 6.4% | 17.6% | 5.4% | 3.9% | 5.1% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$4.83M totalDeposit Account$3.26M · 67.4%
Credit And Debit Card$1.57M · 32.6%
Peer comparison
Same SIC group: State Commercial Banks
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-date | Per 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 |