ISTR
Investar Holding Corporation
ISTR's fundamentals are strong: revenue grew 42% and its operating margin rose 6 points to 36%. At 11x earnings, it's trading in line with its usual 12x. Analysts expect earnings growth.
ISTR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
ISTR's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like ISTR.
ISTR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.7x | $17.54 | -38% |
| Forward | 9.1x | $28.15 | — |
| Current | 11x | $28.15 | — |
| Fair | 12x | $30.37 | +7.9% |
| Expensive | 14x | $37.39 | +33% |
Historical ranges are pointers, not guarantees.
ISTR's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.1x next year's earnings, in its cheap range.
ISTR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ISTR, with profitability improving.
ISTR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.09 | +18% |
| Q3 2026 | $2.62 | +17% |
| Q2 2026 | $2.42 | +8% |
| Q1 2026 | $2.27 | +3.7% |
| Q4 2025 | $2.13 | +4.4% |
| Q3 2025 | $2.24 | +25% |
| Q2 2025 | $2.24 | +46% |
| Q1 2025 | $2.19 | +22% |
| Q4 2024 | $2.04 | +21% |
ISTR's earnings per share have fallen from their peak: $2.62 over the past year, against $3.50 in late 2022.
ISTR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $36.8M | +53% |
| Q2 2026 | $36.5M | +65% |
| Q1 2026 | $35.6M | +49% |
| Q4 2025 | $23.5M | +0.9% |
| Q3 2025 | $24M | +7.4% |
| Q2 2025 | $22.1M | +8.7% |
| Q1 2025 | $24M | +12% |
| Q4 2024 | $23.3M | +18% |
ISTR's revenue has grown year over year for nine quarters in a row: $37M last quarter, up 53% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.5 points |
| Q2 2026 | 32% | +7.2 points |
| Q1 2026 | 42% | +9.6 points |
| Q4 2025 | 31% | -0.3 points |
| Q3 2025 | 31% | +3.6 points |
| Q2 2025 | 25% | +0.5 points |
| Q1 2025 | 32% | +3.7 points |
| Q4 2024 | 31% | +9.3 points |
ISTR's operating margin was 39% last quarter, up 7.5 points from the same quarter a year ago.
ISTR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $11.1M | +60% |
| Q2 2026 | $6.4M | +103% |
| Q1 2026 | $9.9M | +122% |
| Q4 2025 | $3.6M | +$3.9M |
| Q3 2025 | $6.9M | +25% |
| Q2 2025 | $3.2M | +12% |
| Q1 2025 | $4.5M | -43% |
| Q4 2024 | -$291K | -198% |
ISTR's free cash flow was $31M over the past year, up 118% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ISTR.
ISTR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +182K shares |
| 1 year | +58% | +5.8M shares |
| 3 years | +59% | +5.8M shares |
| 5 years | +49% | +5.2M shares |
| Available history | +57% | +5.7M shares |
ISTR has 16M diluted shares, up 58% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $747,000 |
| Q2 2026 | $763,000 |
| Q1 2026 | $1.5M |
| Q4 2025 | $689,000 |
| Q3 2025 | $321,000 |
| Q2 2025 | $634,000 |
| Q1 2025 | $649,000 |
| Q4 2024 | — |
ISTR spent $4M buying back its own shares over the past year, up 134% from the year before.
ISTR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.2x | Elevated |
| Q2 2026 | 2.7x | Moderate |
| Q1 2026 | 3.0x | Moderate |
| Q4 2025 | -0.6x | Net Cash |
| Q3 2025 | 1.4x | Healthy |
| Q2 2025 | 2.0x | Healthy |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | -0.6x | Net Cash |
ISTR's net debt is about 3.2 years of its operating earnings (EBITDA), up from 1.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ISTR.
ISTR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.5 | Neutral |
| Stochastic | 14.8 | Oversold |
ISTR's weekly RSI is 44 (neutral) and its Stochastic is 15 (oversold).
ISTR PE vs Financial Services Sector
| Metric | ISTR | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 43 | 63 | 20 pts below |
ISTR is trading at 11x earnings, a 18% discount to the Financial Services sector's median of 13x.
ISTR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.5 | 1.2% below |
| 20 week MA | $29.5 | 4.7% below |
| 50 week MA | $28.7 | 1.8% below |
| 100 week MA | $24.7 | 14% above |
| 200 week MA | $20.2 | 39% above |
ISTR has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 39% above its 200-week average.
ISTR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.1 | $16.6 | -31% |
| 2021 | $16.6 | $17.8 | +6.8% |
| 2022 | $17.8 | $21.6 | +21% |
| 2023 | $21.6 | $14.9 | -31% |
| 2024 | $14.9 | $22.0 | +47% |
| 2025 | $22.0 | $27.3 | +24% |
| 2026 YTD | $27.3 | $28.2 | +3.2% |
ISTR has finished higher in four of the last six years. It's up 3.2% so far in 2026.