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Upturn AI SWOT - About
ISTR 
Investar Holding Corp (ISTR)
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Upturn Advisory Summary
08/14/2025: ISTR (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $27.25
1 Year Target Price $27.25
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 95.82% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 221.32M USD | Price to earnings Ratio 10.05 | 1Y Target Price 27.25 |
Price to earnings Ratio 10.05 | 1Y Target Price 27.25 | ||
Volume (30-day avg) 3 | Beta 0.61 | 52 Weeks Range 15.30 - 24.41 | Updated Date 08/15/2025 |
52 Weeks Range 15.30 - 24.41 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.87% | Basic EPS (TTM) 2.24 |
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.38 | Actual 0.47 |
Profitability
Profit Margin 24.57% | Operating Margin (TTM) 25.36% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 9.16% |
Valuation
Trailing PE 10.05 | Forward PE 9.84 | Enterprise Value 274718944 | Price to Sales(TTM) 2.44 |
Enterprise Value 274718944 | Price to Sales(TTM) 2.44 | ||
Enterprise Value to Revenue 3.7 | Enterprise Value to EBITDA - | Shares Outstanding 9827750 | Shares Floating 8576089 |
Shares Outstanding 9827750 | Shares Floating 8576089 | ||
Percent Insiders 7.6 | Percent Institutions 70.05 |
Upturn AI SWOT
Investar Holding Corp
Company Overview
History and Background
Investar Holding Corp. was founded in 2006. It primarily operates as the holding company for Investar Bank, focusing on providing commercial and retail banking services.
Core Business Areas
- Commercial Banking: Offers a range of services including commercial lending, treasury management, and deposit accounts to businesses.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team consists of key executives who oversee the various business divisions. The organizational structure typically includes departments for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, including expansion, working capital, and equipment financing. Market share is regionally focused in Louisiana, with competitors including local and regional banks. Revenue is a significant portion of the bank's total revenue, although specific figures are not publicly available.
- Residential Mortgages: Provides mortgage loans to individuals for purchasing or refinancing homes. Competitors include national banks and mortgage companies. The market share is regionally focused in Louisiana, with competitors including local and regional banks. Revenue is a significant portion of the bank's total revenue, although specific figures are not publicly available.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Attracts deposits that fund lending activities. Competition includes national and regional banks. The market share is regionally focused in Louisiana, with competitors including local and regional banks. Revenue is generated from fees and interest spread from these deposit accounts.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, regulatory changes, and technological advancements. Interest rate environments significantly impact profitability. Economic conditions also affect loan demand and credit quality.
Positioning
Investar Holding Corp. is a regional bank with a focus on the Louisiana market. It aims to differentiate itself through personalized service and local expertise. Competitive advantages include strong relationships with local businesses and a deep understanding of the regional economy.
Total Addressable Market (TAM)
The TAM in Louisiana is estimated in the billions of dollars, representing the total banking services demanded by businesses and consumers in the region. Investar is positioned to serve a portion of this market by leveraging its regional expertise.
Upturn SWOT Analysis
Strengths
- Strong regional presence in Louisiana
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on regional economy
- High expenses from opening new locations
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking
- Growth in wealth management services
- Strategic acquisitions of other local banks
Threats
- Increased competition from national banks
- Economic downturn in Louisiana
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Hancock Whitney Corp (HWC)
- First Guaranty Bancshares, Inc. (FGBI)
- Home Bancorp, Inc. (HOMB)
Competitive Landscape
Investar Holding Corp. competes with national and regional banks, as well as other financial institutions. Its advantages include its strong regional presence, personalized service, and local expertise. Disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Summit Investors, Inc.
- Year: 2014
- Acquisition Price (USD millions): 11.5
- Strategic Rationale: Expanded wealth management capabilities
Growth Trajectory and Initiatives
Historical Growth: Investar Holding Corp.'s historical growth can be assessed by analyzing its revenue, earnings, and asset growth over the past several years. Requires financial statement data.
Future Projections: Future growth projections would depend on analyst estimates and company guidance, factoring in industry trends and strategic initiatives. Requires analyst reports.
Recent Initiatives: Recent strategic initiatives might include expansion into new markets, investments in technology, or acquisitions of other companies. Requires monitoring of company announcements and press releases.
Summary
Investar Holding Corp. is a regional bank with a solid foundation in the Louisiana market. Its strengths lie in its strong regional presence and relationship-focused banking. However, it faces challenges due to its smaller scale and limited geographic diversification. Future growth depends on its ability to capitalize on opportunities such as expansion into adjacent markets and increased adoption of digital banking, while also mitigating threats such as increased competition and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data are estimates and may not be precise.
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 337 | Website https://www.investarbank.com |
Full time employees 337 | 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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