# Investar Holding Corporation (ISTR) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $31.10, market value $428 million.

## Valuation
- **P/E (trailing): 12.9×** (5-yr avg 11.8×, 3-yr avg 10.4×). Investar Holding Corporation trades at 12.9× trailing earnings, close to its own five-year average of 11.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.14**. A PEG of 2.14 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 4.6×**. Each dollar of revenue is priced at 4.6×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 7.8%**. The inverse of the P/E: 7.8% of the price is earned each year.

## Profitability
- **Net margin: 24.5%**. 24.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 7.6%**. 7.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.8%**. Each dollar of assets produces 0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.1%** (3-yr -3.8%/yr, 5-yr 4.7%/yr). Revenue grew 7.1% over the last year, against 4.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 4.4%** (3-yr -15.3%/yr, 5-yr 10.9%/yr). Earnings per share rose 4.4%, roughly in step with revenue.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.54%** ($0.45 per share, trailing). Investar Holding Corporation yields 1.54%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 18%**. 18% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 11.7%/yr** (1-yr 6.1%). The dividend has compounded at 11.7% a year over five years, doubling roughly every 6 years at that pace.

## Price and momentum
- **Total return (1 yr): 35.3%** (YTD 17.3%, 3-mo 7.6%). The shares are up 35.3% over twelve months including dividends.
- **From 52-week high: -2.1%** (45.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.63** (volatility 23%). Beta of 0.63 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ISTR · Page: https://foliofundamentals.com/stocks/istr

Not investment advice.