ISTR Stock Overview
Investar 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.
Investar Holding Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$18.63|
|52 Week High||US$23.69|
|52 Week Low||US$15.66|
|1 Month Change||4.96%|
|3 Month Change||0.19%|
|1 Year Change||4.90%|
|3 Year Change||-20.82%|
|5 Year Change||-2.00%|
|Change since IPO||32.13%|
Recent News & Updates
Investar Holding (NASDAQ:ISTR) Is Increasing Its Dividend To US$0.08
Investar Holding Corporation ( NASDAQ:ISTR ) has announced that it will be increasing its dividend on the 31st of...
Here's Why We Think Investar Holding (NASDAQ:ISTR) Is Well Worth Watching
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
|ISTR||US Banks||US Market|
Return vs Industry: ISTR underperformed the US Banks industry which returned 24.9% over the past year.
Return vs Market: ISTR matched the US Market which returned 4.2% over the past year.
|ISTR Average Weekly Movement||2.4%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||6.7%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.4%|
Stable Share Price: ISTR is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: ISTR's weekly volatility (2%) has been stable over the past year.
About the Company
Investar 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.
Investar Holding Fundamentals Summary
|ISTR fundamental statistics|
Is ISTR overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ISTR income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.54|
|Net Profit Margin||8.08%|
How did ISTR perform over the long term?See historical performance and comparison
1.7%Current Dividend Yield
Is Investar Holding undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ISTR ($18.63) is trading below our estimate of fair value ($38.88)
Significantly Below Fair Value: ISTR is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ISTR is poor value based on its PE Ratio (34.5x) compared to the US Banks industry average (10.9x).
PE vs Market: ISTR is poor value based on its PE Ratio (34.5x) compared to the US market (16.5x).
Price to Earnings Growth Ratio
PEG Ratio: ISTR is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: ISTR is good value based on its PB Ratio (0.8x) compared to the US Banks industry average (1.2x).
How is Investar Holding forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ISTR's forecast earnings growth (60.8% per year) is above the savings rate (2%).
Earnings vs Market: ISTR's earnings (60.8% per year) are forecast to grow faster than the US market (12.9% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ISTR's revenue (8.7% per year) is forecast to grow slower than the US market (9.1% per year).
High Growth Revenue: ISTR's revenue (8.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ISTR's Return on Equity is forecast to be low in 3 years time (9%).
How has Investar Holding performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ISTR has a large one-off loss of $2.5M impacting its September 30 2021 financial results.
Growing Profit Margin: ISTR's current net profit margins (8.1%) are lower than last year (17.5%).
Past Earnings Growth Analysis
Earnings Trend: ISTR's earnings have grown by 13.9% per year over the past 5 years.
Accelerating Growth: ISTR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ISTR had negative earnings growth (-55.7%) over the past year, making it difficult to compare to the Banks industry average (43.5%).
Return on Equity
High ROE: ISTR's Return on Equity (2.4%) is considered low.
How is Investar Holding's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ISTR's Assets to Equity ratio (11.4x) is moderate.
Allowance for Bad Loans: ISTR has a low allowance for bad loans (62%).
Low Risk Liabilities: 94% of ISTR's liabilities are made up of primarily low risk sources of funding.
Loan Level: ISTR has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: ISTR's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: ISTR has an appropriate level of bad loans (1.7%).
What is Investar Holding current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ISTR's dividend (1.72%) is higher than the bottom 25% of dividend payers in the US market (1.37%).
High Dividend: ISTR's dividend (1.72%) is low compared to the top 25% of dividend payers in the US market (3.61%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, ISTR has been paying a dividend for less than 10 years.
Growing Dividend: ISTR's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (54.5%), ISTR's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ISTR's dividends in 3 years are forecast to be thoroughly covered by earnings (15% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
John D'Angelo (61 yo)
Mr. John Joseph D'Angelo has been the President and Chief Executive Officer of the Company since Investar Holding Corporation (formerly known as Investar Bank), National Association organization as a bank...
CEO Compensation Analysis
Compensation vs Market: John's total compensation ($USD1.10M) is about average for companies of similar size in the US market ($USD1.14M).
Compensation vs Earnings: John's compensation has been consistent with company performance over the past year.
Experienced Management: ISTR's management team is seasoned and experienced (5.1 years average tenure).
Experienced Board: ISTR's board of directors are considered experienced (9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ISTR insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Investar Holding Corporation's employee growth, exchange listings and data sources
- Name: Investar Holding Corporation
- Ticker: ISTR
- Exchange: NasdaqGM
- Founded: 2006
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$192.699m
- Shares outstanding: 10.34m
- Website: https://www.investarbank.com
Number of Employees
- Investar Holding Corporation
- 10500 Coursey Boulevard
- Baton Rouge
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/22 23:19|
|End of Day Share Price||2022/01/21 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.