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Upturn AI SWOT - About
ISTR 
Investar Holding Corp (ISTR)
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Upturn Advisory Summary
10/31/2025: ISTR (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $28.58
1 Year Target Price $28.58
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 88.08% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 233.46M USD | Price to earnings Ratio 10.61 | 1Y Target Price 28.58 |
Price to earnings Ratio 10.61 | 1Y Target Price 28.58 | ||
Volume (30-day avg) 3 | Beta 0.6 | 52 Weeks Range 15.23 - 25.71 | Updated Date 11/2/2025 |
52 Weeks Range 15.23 - 25.71 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 1.78% | Basic EPS (TTM) 2.24 |
Earnings Date
Report Date 2025-10-20 | When Before Market | Estimate 0.46 | Actual 0.54 |
Profitability
Profit Margin 24.7% | Operating Margin (TTM) 32.16% |
Management Effectiveness
Return on Assets (TTM) 0.82% | Return on Equity (TTM) 8.53% |
Valuation
Trailing PE 10.61 | Forward PE 9.84 | Enterprise Value 329042976 | Price to Sales(TTM) 2.5 |
Enterprise Value 329042976 | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 3.72 | Enterprise Value to EBITDA - | Shares Outstanding 9825883 | Shares Floating 9142296 |
Shares Outstanding 9825883 | Shares Floating 9142296 | ||
Percent Insiders 7.34 | Percent Institutions 70.84 |
Upturn AI SWOT
Investar Holding Corp
Company Overview
History and Background
Investar Holding Corp. is a financial holding company that provides banking services through its subsidiary, Investar Bank. Founded in 2006, it operates primarily in Louisiana. It has grown through strategic acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Offers lending and deposit services to small and medium-sized businesses, including commercial real estate loans, equipment financing, and working capital loans.
- Retail Banking: Provides checking accounts, savings accounts, mortgages, personal loans, and other financial services to individuals.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other senior executives. The organizational structure is typical of a community bank, with various departments reporting to executive management. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial real estate projects. Market share data is not readily available for Investar specifically, but the market is competitive. Competitors include Regions Financial (RF), Hancock Whitney Corporation (HWC), and First Bancorp (FBNC).
- Residential Mortgages: Provides mortgage loans for homebuyers. Market share data is also not readily available but the mortgage market is very competitive. Competitors include large national banks as well as other local banks and credit unions.
- Business Lending: Provides loans to small and medium businesses to fund operations, acquisitions, and expansion. Market share data is not readily available. Key competitors include other regional and community banks such as Business First Bancshares (BFST) and Home Bancorp, Inc. (HBCP).
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, regulatory changes, and fluctuating interest rates. Community banks face pressure to maintain profitability and navigate evolving customer expectations.
Positioning
Investar Holding Corp. is a regional bank focusing on the Louisiana market. Its competitive advantages include local market knowledge, strong customer relationships, and a focus on community development.
Total Addressable Market (TAM)
The total addressable market for banking services in Louisiana is estimated to be in the billions of dollars. Investar Holding Corp. is positioned to capture a portion of this market through its branch network and digital banking offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Focus on customer relationships
- Healthy loan portfolio
Weaknesses
- Limited geographic diversification
- Dependence on the Louisiana economy
- Smaller size compared to larger regional banks
- Higher expense ratio compared to similar banks
Opportunities
- Expansion into new markets within Louisiana and surrounding states
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growing demand for commercial lending
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Louisiana
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- RF
- HWC
- BFST
- HBCP
Competitive Landscape
Investar is a smaller community bank facing competition from larger regional and national banks. Its advantages are its local focus and customer relationships. Its disadvantages are its smaller size and limited geographic reach.
Major Acquisitions
No Acquisitions
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: No Acquisitions at this time
Growth Trajectory and Initiatives
Historical Growth: Data requires actual financial reports from Investar Holding Corp. This cannot be inferred by the prompt.
Future Projections: Data requires analyst estimates, which are not provided and can't be inferred by this prompt.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and community outreach programs, but specific details require up-to-date information from the company's announcements.
Summary
Investar Holding Corp. is a community bank with a strong presence in Louisiana. It benefits from local market knowledge and strong customer relationships. However, it faces challenges from larger competitors and the fluctuating economic environment. Further expansion into new markets within Louisiana would be beneficial.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (unavailable for generation)
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Financial performance data is based on past results and is not indicative of future performance.
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.
About Investar Holding Corp
Exchange NASDAQ | Headquaters 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 326 | Website https://www.investarbank.com |
Full time employees 326 | 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, such as second mortgage loans; and consumer loans, such as secured or unsecured, installment or term loans, home equity loans, home equity 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, lockbox payment processing, virtual vaults, positive pay, automated clearing house origination, credit card processing, wire transfer, investment sweep accounts, and business internet banking services. Further, it provides various other banking services, such as cashiers' 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, and mobile wallet payment services. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
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