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ISTR

Investar Holding Corporation

ISTR

Investar Holding Corporation • NASDAQ
$24.80 ▼ -0.04% (-0.01)
Market Cap $243.89 M
52w High $25.71
52w Low $15.39
Dividend Yield 0.43%
P/E 11.12
Volume 10.08K
Outstanding Shares 9.83M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $40.084M ▲ $16.531M ▼ $6.179M ▲ 15.415% ▲ $0.57 ▲ $8.155M ▲
Q2-2025 $37.985M ▲ $16.7M ▲ $4.494M ▼ 11.831% ▼ $0.46 ▼ $6.139M ▼
Q1-2025 $36.448M ▼ $16.241M ▲ $6.293M ▲ 17.266% ▲ $0.64 ▲ $8.435M ▲
Q4-2024 $40.668M ▲ $16.079M ▲ $6.107M ▲ 15.017% ▲ $0.62 ▲ $8.004M ▲
Q3-2024 $39.27M $15.058M $5.381M 13.703% $0.55 $6.925M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $41.095M ▼ $2.801B ▲ $2.505B ▲ $295.295M ▲
Q2-2025 $410.932M ▲ $2.748B ▲ $2.492B ▲ $255.929M ▲
Q1-2025 $389.25M ▲ $2.73B ▲ $2.478B ▼ $251.737M ▲
Q4-2024 $34.12M ▼ $2.723B ▼ $2.482B ▼ $241.296M ▼
Q3-2024 $436.986M $2.803B $2.557B $245.542M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $6.179M ▲ $6.939M ▲ $-66.941M ▼ $40.151M ▲ $-19.851M ▼ $6.442M ▲
Q2-2025 $4.494M ▼ $3.178M ▼ $-7.76M ▼ $16.284M ▲ $11.702M ▼ $2.962M ▼
Q1-2025 $6.293M ▲ $4.478M ▲ $15.675M ▲ $-4.553M ▲ $15.6M ▲ $4.263M ▲
Q4-2024 $6.107M ▲ $-291K ▼ $15.289M ▲ $-73.416M ▼ $-58.418M ▼ $-409K ▼
Q3-2024 $5.381M $5.556M $9.352M $1.76M $16.668M $5.447M

Five-Year Company Overview

Income Statement

Income Statement Revenue has trended upward over the past five years, showing a steadily growing franchise rather than a volatile one. Profitability improved sharply a few years ago, then eased back to a more normal level, with recent earnings comfortably positive but below the prior peak. This pattern is typical for a regional bank navigating shifting interest rates: when spreads were very favorable, profits surged, and as conditions normalized, earnings settled down. Overall, the income statement reflects a bank that is steadily growing, consistently profitable, and managing through rate cycles without major swings or losses.

Balance Sheet

Balance Sheet The balance sheet looks generally solid and cleaner than it was a few years ago. Total assets have grown over time, reflecting gradual expansion of the business. Equity has remained stable, which supports a reasonable capital base for a community bank. Borrowings briefly rose to a much higher level, then were pulled back significantly, suggesting deliberate efforts to reduce reliance on more expensive or less stable funding. Cash levels are modest, indicating the bank is efficiently deployed but not sitting on large excess liquidity. In short, the balance sheet shows measured growth with improved leverage and no obvious signs of stress in the headline figures.

Cash Flow

Cash Flow Cash flow from the core banking business has been positive and fairly consistent, which is an important sign of health for a lender. Free cash flow closely tracks operating cash flow because capital spending needs are relatively modest; the bank does not appear to be burdened by heavy physical or technology investment requirements. This pattern indicates the franchise largely funds itself from ongoing operations, leaving room to support dividends, organic growth, or small acquisitions without stretching the balance sheet. The trade‑off is that there is limited visible step‑change investment, but also no sign of cash strain.

Competitive Edge

Competitive Edge Investar operates as a classic community and regional bank, relying on local relationships and knowledge of its markets in Louisiana, Texas, and Alabama. Its main advantages are familiarity with local borrowers, high‑touch service, and the ability to make relationship‑driven lending decisions that larger national banks may handle more mechanically. It supplements this with a full suite of standard digital banking services and treasury tools, which keeps it competitive but not technologically unique. The competitive risks are clear: large banks have greater scale and resources, and fintechs can undercut on pure digital convenience. Investar’s edge is more about service quality, local presence, and disciplined balance sheet management than about offering something radically different.

Innovation and R&D

Innovation and R&D The company is not a technology pioneer in the way fintech firms are, but it has made practical, customer‑focused upgrades. Its digital platform covers the basics well, and services like video banking try to blend personal interaction with online convenience. For business customers, its treasury and cash‑management tools are competitive for a community bank, though not groundbreaking versus major national players. Innovation here is incremental: improving customer experience, expanding digital access, and integrating newly acquired banks into a consistent service model. Future upside will depend on deepening these digital capabilities and ensuring that the technology keeps pace with rising customer expectations while preserving the community‑bank feel.

Summary

Overall, Investar looks like a steadily growing regional bank that leans on community relationships and measured expansion rather than aggressive risk‑taking or flashy technology. Earnings are consistently positive, the balance sheet has become cleaner after a period of higher borrowing, and cash generation is stable. Its strategic focus on acquisitions and local lending, supported by adequate but not leading‑edge digital tools, positions it as a service‑oriented community bank competing against both large national institutions and pure online players. Key things to watch going forward include credit quality in its local markets, how well it integrates acquisitions, and whether its digital offering continues to improve fast enough to retain and attract customers in an increasingly online banking world.

NEWS

October 30, 2025 · 4:30 PM UTC

Investar Holding Corporation Announces Acquisition Approvals

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October 20, 2025 · 6:00 AM UTC

Investar Holding Corporation Announces 2025 Third Quarter Results and Wichita Falls Bancshares, Inc. Transaction Update

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September 17, 2025 · 6:30 PM UTC

Investar Holding Corporation Declares Quarterly Common and Preferred Stock Cash Dividends

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