Investar Holding Corporation

NasdaqGM:ISTR Stock Report

Market Cap: US$229.9m

Investar Holding Valuation

Is ISTR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ISTR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ISTR ($23.82) is trading below our estimate of fair value ($34.62)

Significantly Below Fair Value: ISTR is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ISTR?

Key metric: As ISTR is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ISTR. This is calculated by dividing ISTR's market cap by their current earnings.
What is ISTR's PE Ratio?
PE Ratio13.2x
EarningsUS$17.68m
Market CapUS$229.89m

Price to Earnings Ratio vs Peers

How does ISTR's PE Ratio compare to its peers?

The above table shows the PE ratio for ISTR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average11.7x
PWOD Penns Woods Bancorp
11.7xn/aUS$227.3m
CHMG Chemung Financial
11.3x15.3%US$241.0m
VABK Virginia National Bankshares
14.7xn/aUS$226.7m
CVCY Central Valley Community Bancorp
9.2x39.8%US$235.3m
ISTR Investar Holding
13.2x10.1%US$229.9m

Price-To-Earnings vs Peers: ISTR is expensive based on its Price-To-Earnings Ratio (13.2x) compared to the peer average (11.7x).

Price to Earnings Ratio vs Industry

How does ISTR's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
ISTR 13.2xIndustry Avg. 13.1xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ISTR is expensive based on its Price-To-Earnings Ratio (13.2x) compared to the US Banks industry average (12.9x).

Price to Earnings Ratio vs Fair Ratio

What is ISTR's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ISTR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.2x
Fair PE Ratio12.1x

Price-To-Earnings vs Fair Ratio: ISTR is expensive based on its Price-To-Earnings Ratio (13.2x) compared to the estimated Fair Price-To-Earnings Ratio (12.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ISTR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$23.82
US$25.25
+6.0%
8.9%US$27.50US$23.00n/a2
Nov ’25US$20.81
US$23.50
+12.9%
2.1%US$24.00US$23.00n/a2
Oct ’25US$18.80
US$20.50
+9.0%
2.4%US$21.00US$20.00n/a2
Sep ’25US$18.62
US$20.50
+10.1%
2.4%US$21.00US$20.00n/a2
Aug ’25US$17.52
US$20.50
+17.0%
2.4%US$21.00US$20.00n/a2
Jul ’25US$15.22
US$19.50
+28.1%
2.6%US$20.00US$19.00n/a2
Apr ’25US$16.35
US$20.33
+24.4%
1.2%US$20.50US$20.00n/a3
Mar ’25US$15.75
US$20.33
+29.1%
1.2%US$20.50US$20.00n/a3
Feb ’25US$17.84
US$20.33
+14.0%
1.2%US$20.50US$20.00n/a3
Jan ’25US$14.91
US$15.44
+3.5%
7.3%US$16.25US$13.50n/a4
Dec ’24US$11.52
US$14.13
+22.6%
14.7%US$16.00US$11.00n/a4
Nov ’24US$9.93
US$14.13
+42.2%
14.7%US$16.00US$11.00US$20.814
Oct ’24US$10.59
US$15.44
+45.8%
9.6%US$17.50US$13.50US$18.804
Sep ’24US$13.20
US$15.81
+19.8%
6.8%US$17.50US$14.75US$18.624
Aug ’24US$14.24
US$15.81
+11.0%
6.8%US$17.50US$14.75US$17.524
Jul ’24US$12.11
US$14.81
+22.3%
13.4%US$17.75US$13.00US$15.224
Jun ’24US$11.22
US$15.94
+42.0%
13.0%US$18.00US$13.00US$15.854
May ’24US$12.94
US$16.94
+30.9%
7.0%US$18.00US$15.00US$16.554
Apr ’24US$13.96
US$22.50
+61.2%
16.9%US$26.50US$17.00US$16.354
Mar ’24US$19.66
US$24.06
+22.4%
8.8%US$26.50US$21.00US$15.754
Feb ’24US$20.78
US$24.06
+15.8%
8.8%US$26.50US$21.00US$17.844
Jan ’24US$21.53
US$25.19
+17.0%
6.3%US$27.00US$23.25US$14.914
Dec ’23US$21.80
US$25.19
+15.5%
6.3%US$27.00US$23.25US$11.524
Nov ’23US$21.43
US$25.19
+17.5%
6.3%US$27.00US$23.25US$9.934

Analyst Forecast: Target price is less than 20% higher than the current share price.

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