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Upturn AI Summary - About
Investar Holding Corp(ISTR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ISTR
10/02/2026: ISTR (3-star) is currently NOT-A-BUY. Pass it for now.
Investar Holding Corp is a regional bank holding company centered on commercial and retail lending in the Southern US. Its primary strengths lie in its relationship-based business model and deep local market expertise, which allow it to compete effectively in its niche. The main investment opportunity centers on potential expansion in its core markets and improved operational efficiency via digital initiatives. Risks include geographic concentration, interest rate volatility, and competition from larger financial institutions. The stock may suit value-oriented investors who favor a community-bank model, though investors should closely monitor loan quality and the bank's ability to maintain healthy margins.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is steady rather than explosive, tied closely to regional economic cycles. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lacks the high-frequency trading volume required for momentum strategies. |
| Value investor | Strong fit | The bank often trades at valuation multiples that may appeal to investors looking for fundamental banking value. |
| Dividend investor | Mixed fit | Dividend payments are present but modest, prioritizing capital preservation and growth over high yield. |
| Low-risk investor | Mixed fit | While regional banks are generally stable, they are subject to macroeconomic risks and regional downturns. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is subject to fluctuations typical of small-cap regional financial institutions. |
| Valuation risk | Medium | Investor sentiment toward regional banks can lead to valuation compression during interest rate uncertainty. |
| Competition risk (regional banking competition) | High | The company competes with much larger, well-capitalized institutions that possess greater economies of scale. |
| Business quality | Medium | The bank maintains a solid reputation, though it lacks the broad diversification of national banks. |
| Dividend income | Low | Dividends are not the primary investment thesis for this equity. |
| Execution risk | Medium | Success depends on the management team's ability to manage loan quality in a varying economic environment. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 50.42% | Avg. Invested days 83 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 398.98M USD | Price to earnings Ratio 11.92 | 1Y Target Price 34.25 |
Price to earnings Ratio 11.92 | 1Y Target Price 34.25 | ||
Volume (30-day avg) 100.9K shares | Beta 0.46 | 52 Weeks Range 21.08 - 31.38 | Updated Date 10/02/2026 |
52 Weeks Range 21.08 - 31.38 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 1.56% | Basic EPS (TTM) 2.43 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank profits primarily from the 'spread' between what it earns on loans and what it pays to savers. |
| Non-Interest Income | Service charges, fees from deposit accounts, and wealth management fees. | This represents auxiliary fee-based revenue that helps diversify the bank's income stream. |
| Geography (Louisiana and surrounding) | Lending and deposit operations concentrated in the Southern US. | The bank's health is directly tied to the economic prosperity of the specific regional markets it serves. |
Valuation
Trailing PE 11.92 | Forward PE 9.84 | Enterprise Value 554.06M | Price to Sales(TTM) 3.28 |
Enterprise Value 554.06M | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 5.1 | Enterprise Value to EBITDA - | Shares Outstanding 13.78M | Shares Floating 12.53M |
Shares Outstanding 13.78M | Shares Floating 12.53M | ||
Percent Insiders 9.2 | Percent Institutions 65.07 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Investar Holding Corp
Exchange NASDAQ | Headquarters Baton Rouge, LA, United States | ||
IPO Launch date 2014-07-01 | President, CEO & Director Mr. John Joseph D'Angelo | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 421 | Website https://www.investarbank.com |
Full time employees 421 | Website https://www.investarbank.com | ||
Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals, professionals, and small to medium-sized businesses in south Louisiana, southeast Texas, and Alabama in the United States. The company offers various deposit products and services, such as savings, checking, money market, and individual retirement accounts, as well as various certificates of deposit; debit and credit cards; internet, mobile, and video banking services; and reciprocal deposit products. It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; construction and development loans comprising loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate loans, which includes second mortgage loans; and consumer loans, such as secured or unsecured loans, installment or term loans, home equity loans and lines of credit, business purpose loans, and auto loans, as well as loans for personal, family, and household purposes. In addition, the company offers treasury management products, including remote deposit capture, virtual vaults, positive pay, automated clearing house origination, credit card processing, wire transfers, investment sweep accounts, and business internet banking services. Further, it provides various other banking services, such as cashier's checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, ATMs with deposit automation, electronic statements, interactive teller machines, online account opening, online bill payment, online fund transfer, Zelle money transfer solutions, and mobile wallet payment option services. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
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