# Investar Holding Corporation (ISTR) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $27.93, market value $385 million.

## Valuation
- **P/E (trailing): 11.5×** (5-yr avg 11.8×, 3-yr avg 10.4×). Investar Holding Corporation trades at 11.5× 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 8.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.97**. A PEG of 1.97 is in the range usually read as fairly priced for its growth.
- **Price / sales: 4.1×**. Each dollar of revenue is priced at 4.1×.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.7%**. The inverse of the P/E: 8.7% 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: 1.72%** ($0.46 per share, trailing). Investar Holding Corporation yields 1.72%, 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.
- **Shareholder yield: 2.6%**. Dividends plus net buybacks return 2.6% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Investar Holding Corporation; the consensus is buy, with an average price target of $33.58 (+20% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 20.5%** (YTD 6.7%, 3-mo -6.2%). The shares are up 20.5% over twelve months including dividends.
- **From 52-week high: -12.1%** (21.7% above the low). Trading 12% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.53** (volatility 20%). Beta of 0.53 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.