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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.16
ISTR's Cash to Debt is ranked lower than
89% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. ISTR: 0.16 )
Ranked among companies with meaningful Cash to Debt only.
ISTR' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.16 Max: N/A
Current: 0.16
Equity to Asset 0.11
ISTR's Equity to Asset is ranked higher than
53% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ISTR: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
ISTR' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.11 Max: 0.12
Current: 0.11
0.09
0.12
Interest Coverage 1.80
ISTR's Interest Coverage is ranked higher than
52% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. ISTR: 1.80 )
Ranked among companies with meaningful Interest Coverage only.
ISTR' s Interest Coverage Range Over the Past 10 Years
Min: 0.58  Med: 1.31 Max: 1.8
Current: 1.8
0.58
1.8
F-Score: 4
M-Score: -2.41
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 26.59
ISTR's Operating margin (%) is ranked lower than
63% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. ISTR: 26.59 )
Ranked among companies with meaningful Operating margin (%) only.
ISTR' s Operating margin (%) Range Over the Past 10 Years
Min: 13.96  Med: 20.10 Max: 26.59
Current: 26.59
13.96
26.59
Net-margin (%) 17.77
ISTR's Net-margin (%) is ranked lower than
67% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. ISTR: 17.77 )
Ranked among companies with meaningful Net-margin (%) only.
ISTR' s Net-margin (%) Range Over the Past 10 Years
Min: 9.29  Med: 15.07 Max: 17.77
Current: 17.77
9.29
17.77
ROE (%) 6.63
ISTR's ROE (%) is ranked lower than
63% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. ISTR: 6.63 )
Ranked among companies with meaningful ROE (%) only.
ISTR' s ROE (%) Range Over the Past 10 Years
Min: 6.4  Med: 6.72 Max: 10.84
Current: 6.63
6.4
10.84
ROA (%) 0.76
ISTR's ROA (%) is ranked lower than
60% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. ISTR: 0.76 )
Ranked among companies with meaningful ROA (%) only.
ISTR' s ROA (%) Range Over the Past 10 Years
Min: 0.63  Med: 0.73 Max: 1.26
Current: 0.76
0.63
1.26
» ISTR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

ISTR Guru Trades in Q1 2015

Michael Price 175,000 sh (unchged)
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Q2 2015

ISTR Guru Trades in Q2 2015

Michael Price 175,000 sh (unchged)
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Q3 2015

ISTR Guru Trades in Q3 2015

Michael Price 175,000 sh (unchged)
» More
Q4 2015

ISTR Guru Trades in Q4 2015

Michael Price 175,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with ISTR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.51
ISTR's P/E(ttm) is ranked lower than
64% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. ISTR: 15.51 )
Ranked among companies with meaningful P/E(ttm) only.
ISTR' s P/E(ttm) Range Over the Past 10 Years
Min: 14.22  Med: 17.57 Max: 70.4
Current: 15.51
14.22
70.4
PE(NRI) 15.51
ISTR's PE(NRI) is ranked lower than
64% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. ISTR: 15.51 )
Ranked among companies with meaningful PE(NRI) only.
ISTR' s PE(NRI) Range Over the Past 10 Years
Min: 14.24  Med: 17.55 Max: 70.4
Current: 15.51
14.24
70.4
P/B 1.01
ISTR's P/B is ranked higher than
52% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ISTR: 1.01 )
Ranked among companies with meaningful P/B only.
ISTR' s P/B Range Over the Past 10 Years
Min: 0.92  Med: 1.04 Max: 1.18
Current: 1.01
0.92
1.18
P/S 2.77
ISTR's P/S is ranked higher than
54% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. ISTR: 2.77 )
Ranked among companies with meaningful P/S only.
ISTR' s P/S Range Over the Past 10 Years
Min: 2.32  Med: 2.78 Max: 3.24
Current: 2.77
2.32
3.24
PFCF 3.29
ISTR's PFCF is ranked higher than
78% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. ISTR: 3.29 )
Ranked among companies with meaningful PFCF only.
ISTR' s PFCF Range Over the Past 10 Years
Min: 3.04  Med: 3.34 Max: 3.85
Current: 3.29
3.04
3.85
POCF 2.93
ISTR's POCF is ranked higher than
77% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. ISTR: 2.93 )
Ranked among companies with meaningful POCF only.
ISTR' s POCF Range Over the Past 10 Years
Min: 2.71  Med: 3.32 Max: 65.3
Current: 2.93
2.71
65.3
EV-to-EBIT 20.91
ISTR's EV-to-EBIT is ranked lower than
73% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. ISTR: 20.91 )
Ranked among companies with meaningful EV-to-EBIT only.
ISTR' s EV-to-EBIT Range Over the Past 10 Years
Min: 14.2  Med: 20.60 Max: 29.8
Current: 20.91
14.2
29.8
EV-to-EBITDA 18.40
ISTR's EV-to-EBITDA is ranked lower than
72% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. ISTR: 18.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
ISTR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.4  Med: 18.10 Max: 24.7
Current: 18.4
12.4
24.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.22
ISTR's Dividend Yield is ranked lower than
98% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. ISTR: 0.22 )
Ranked among companies with meaningful Dividend Yield only.
ISTR' s Dividend Yield Range Over the Past 10 Years
Min: 0.1  Med: 0.19 Max: 0.25
Current: 0.22
0.1
0.25
Dividend Payout 0.03
ISTR's Dividend Payout is ranked higher than
98% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. ISTR: 0.03 )
Ranked among companies with meaningful Dividend Payout only.
ISTR' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.02 Max: 0.03
Current: 0.03
0.02
0.03
Forward Dividend Yield 0.24
ISTR's Forward Dividend Yield is ranked lower than
99% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. ISTR: 0.24 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.22
ISTR's Yield on cost (5-Year) is ranked lower than
98% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. ISTR: 0.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ISTR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.1  Med: 0.19 Max: 0.25
Current: 0.22
0.1
0.25

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
ISTR's Price/Tangible Book is ranked higher than
55% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. ISTR: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
ISTR' s Price/Tangible Book Range Over the Past 10 Years
Min: 1  Med: 1.10 Max: 1.2
Current: 1.04
1
1.2
Price/Median PS Value 0.99
ISTR's Price/Median PS Value is ranked higher than
55% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. ISTR: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
ISTR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.89  Med: 1.02 Max: 1.15
Current: 0.99
0.89
1.15
Price/Graham Number 0.85
ISTR's Price/Graham Number is ranked lower than
53% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. ISTR: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
ISTR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.81  Med: 0.90 Max: 0.98
Current: 0.85
0.81
0.98
Earnings Yield (Greenblatt) (%) 4.80
ISTR's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. ISTR: 4.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ISTR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.4  Med: 4.90 Max: 7.1
Current: 4.8
3.4
7.1

More Statistics

Revenue(Mil) $40
EPS $ 0.98
Short Percentage of Float0.01%
52-Week Range $13.63 - 18.00
Shares Outstanding(Mil)7.30

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FCTY, NAS:BCBP, OTCPK:BERK, NAS:CFCB, NAS:INBK » details
Investar Holding Corp was incorporated in 2009. It is a holding company for Investar Bank. Through its wholly-owned subsidiary, Investar Bank, a Louisiana-chartered commercial bank, the Company offers commercial banking products tailored to meet the needs of individuals and small to medium-sized businesses. The Company serves primary markets of Baton Rouge, New Orleans, Lafayette and Hammond, Louisiana, and their surrounding metropolitan areas from its main office located in Baton Rouge and from nine additional full-service branches located throughout its market area. The Company's competitors include national, regional and community banks within the various markets. The Company is subject to extensive regulation and supervision that governs almost all aspects of its operations, including, among other things, its lending practices, capital structure, investment practices, dividend policy, operations and growth.
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