Investar Holding Corp (ISTR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Investar Holding Corp stock (ISTR) is currently trading at $27.13. Investar Holding Corp PE ratio is 12.45. Investar Holding Corp PS ratio (Price-to-Sales) is 3.91. Analyst consensus price target for ISTR is $33.25. WallStSmart rates ISTR as Underperform.
- ISTR PE ratio analysis and historical PE chart
- ISTR PS ratio (Price-to-Sales) history and trend
- ISTR intrinsic value — DCF, Graham Number, EPV models
- ISTR stock price prediction 2025 2026 2027 2028 2029 2030
- ISTR fair value vs current price
- ISTR insider transactions and insider buying
- Is ISTR undervalued or overvalued?
- Investar Holding Corp financial analysis — revenue, earnings, cash flow
- ISTR Piotroski F-Score and Altman Z-Score
- ISTR analyst price target and Smart Rating
Investar Holding Corp
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ISTR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Investar Holding Corp (ISTR)
ISTR trades 104% above its Graham fair value of $14.48, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Investar Holding Corp (ISTR) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Investar Holding Corp (ISTR) Key Strengths (3)
Keeps $30 of every $100 in revenue after operating costs
Keeps $25 of every $100 in revenue as net profit
Trading at 1.35x book value, attractively priced
Supporting Valuation Data
Investar Holding Corp (ISTR) Areas to Watch (6)
Earnings declining -15.40%, profits shrinking
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.91x sales
Solid revenue growth at 14.80% per year
Moderate institutional interest at 48.15%
Investar Holding Corp (ISTR) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.35) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 30.20%, Profit Margin at 24.50%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Market Cap. Some valuation metrics including Price/Sales (3.91) suggest expensive pricing. Growth concerns include Revenue Growth at 14.80%, EPS Growth at -15.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.45%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.45% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ISTR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ISTR's Price-to-Sales ratio of 3.91x sits near its historical average of 3.79x (50th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 46% below its historical high of 7.22x set in Jul 2014, and 240% above its historical low of 1.15x in Oct 2023. Over the past 12 months, the PS ratio has expanded from ~1.6x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Investar Holding Corp (ISTR) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Investar Holding Corp is a mature, profitable business with steady cash generation. Revenue reached 93M with 15% growth year-over-year. Profit margins are strong at 24.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 24.5% and operating margin of 30.2% demonstrate strong pricing power and operational efficiency.
Generating 3M in free cash flow and 4M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Investar Holding Corp.
Bottom Line
Investar Holding Corp is a well-established business delivering consistent profitability with 24.5% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(20 last 3 months)
| Insider | Type | Shares |
|---|---|---|
JORDAN, ROBERT CHRIS Director | Buy | +1,550 |
| Insider | Type | Shares |
|---|---|---|
CAMPBELL, JOHN R Chief Financial Officer | Sell | -259 |
Data sourced from SEC Form 4 filings
Last updated: 12:59:01 PM
About Investar Holding Corp(ISTR)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Investar Holding Corporation is the banking holding company of Investar Bank offering a range of commercial banking products to individuals and small and medium-sized businesses in southern Louisiana. The company is headquartered in Baton Rouge, Louisiana.