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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 0.34
ISTR's Cash-to-Debt is ranked lower than
80% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. ISTR: 0.34 )
Ranked among companies with meaningful Cash-to-Debt only.
ISTR' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.25 Max: N/A
Current: 0.34
Equity-to-Asset 0.10
ISTR's Equity-to-Asset is ranked lower than
56% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ISTR: 0.10 )
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: 0.1
0.09
0.12
Interest Coverage 1.37
ISTR's Interest Coverage is ranked lower than
56% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. ISTR: 1.37 )
Ranked among companies with meaningful Interest Coverage only.
ISTR' s Interest Coverage Range Over the Past 10 Years
Min: 0.58  Med: 1.34 Max: 1.8
Current: 1.37
0.58
1.8
Piotroski F-Score: 5
Beneish M-Score: -2.34
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 : 7/10

vs
industry
vs
history
Operating Margin % 28.57
ISTR's Operating Margin % is ranked lower than
56% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. ISTR: 28.57 )
Ranked among companies with meaningful Operating Margin % only.
ISTR' s Operating Margin % Range Over the Past 10 Years
Min: 13.96  Med: 20.71 Max: 28.57
Current: 28.57
13.96
28.57
Net Margin % 19.60
ISTR's Net Margin % is ranked lower than
59% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. ISTR: 19.60 )
Ranked among companies with meaningful Net Margin % only.
ISTR' s Net Margin % Range Over the Past 10 Years
Min: 9.29  Med: 15.83 Max: 19.6
Current: 19.6
9.29
19.6
ROE % 7.04
ISTR's ROE % is ranked lower than
61% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. ISTR: 7.04 )
Ranked among companies with meaningful ROE % only.
ISTR' s ROE % Range Over the Past 10 Years
Min: 6.4  Med: 6.79 Max: 10.84
Current: 7.04
6.4
10.84
ROA % 0.71
ISTR's ROA % is ranked lower than
62% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ISTR: 0.71 )
Ranked among companies with meaningful ROA % only.
ISTR' s ROA % Range Over the Past 10 Years
Min: 0.63  Med: 0.72 Max: 1.26
Current: 0.71
0.63
1.26
3-Year Revenue Growth Rate -3.30
ISTR's 3-Year Revenue Growth Rate is ranked lower than
79% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. ISTR: -3.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ISTR' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.3  Med: 3.6 Max: 5
Current: -3.3
-3.3
5
3-Year EBITDA Growth Rate 11.00
ISTR's 3-Year EBITDA Growth Rate is ranked higher than
64% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. ISTR: 11.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ISTR' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 11  Med: 11.7 Max: 14.1
Current: 11
11
14.1
3-Year EPS without NRI Growth Rate 10.70
ISTR's 3-Year EPS without NRI Growth Rate is ranked higher than
61% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. ISTR: 10.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ISTR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 10.7  Med: 11 Max: 25.5
Current: 10.7
10.7
25.5
GuruFocus has detected 6 Warning Signs with Investar Holding Corp $ISTR.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ISTR's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

ISTR Guru Trades in Q1 2016

Michael Price 175,000 sh (unchged)
» More
Q2 2016

ISTR Guru Trades in Q2 2016

Michael Price 175,000 sh (unchged)
» More
Q3 2016

ISTR Guru Trades in Q3 2016

Michael Price 175,000 sh (unchged)
» More
Q4 2016

ISTR Guru Trades in Q4 2016

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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:NAS:ENFC, NYSE:MSL, NAS:TCFC, OTCPK:BERK, NAS:CFFI, NAS:TRCB, NAS:FCCO, NAS:NWFL, NAS:FCCY, NAS:CFNB, NAS:SBCP, NAS:PEBK, NAS:PKBK, NAS:DNBF, NAS:BOCH, NAS:SMBK, OTCPK:HCFB, OTCPK:TGRF, NAS:OPOF, OTCBB:FKYS » details
Investar Holding Corp is a holding company for Investar Bank. Through its wholly-owned subsidiary, Investar Bank, a Louisiana-chartered commercial bank, it offers commercial banking products to meet the needs of individuals and businesses.

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.

Ratios

vs
industry
vs
history
PE Ratio 19.88
ISTR's PE Ratio is ranked lower than
71% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. ISTR: 19.88 )
Ranked among companies with meaningful PE Ratio only.
ISTR' s PE Ratio Range Over the Past 10 Years
Min: 14.1  Med: 16.19 Max: 61.22
Current: 19.88
14.1
61.22
PE Ratio without NRI 19.88
ISTR's PE Ratio without NRI is ranked lower than
70% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. ISTR: 19.88 )
Ranked among companies with meaningful PE Ratio without NRI only.
ISTR' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.1  Med: 16.19 Max: 61.22
Current: 19.88
14.1
61.22
PB Ratio 1.37
ISTR's PB Ratio is ranked lower than
61% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ISTR: 1.37 )
Ranked among companies with meaningful PB Ratio only.
ISTR' s PB Ratio Range Over the Past 10 Years
Min: 0.92  Med: 1.03 Max: 1.4
Current: 1.37
0.92
1.4
PS Ratio 3.94
ISTR's PS Ratio is ranked lower than
61% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. ISTR: 3.94 )
Ranked among companies with meaningful PS Ratio only.
ISTR' s PS Ratio Range Over the Past 10 Years
Min: 2.56  Med: 2.84 Max: 3.98
Current: 3.94
2.56
3.98
Price-to-Free-Cash-Flow 4.83
ISTR's Price-to-Free-Cash-Flow is ranked higher than
75% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. ISTR: 4.83 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ISTR' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.04  Med: 4.24 Max: 42.96
Current: 4.83
3.04
42.96
Price-to-Operating-Cash-Flow 4.27
ISTR's Price-to-Operating-Cash-Flow is ranked higher than
74% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. ISTR: 4.27 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ISTR' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.71  Med: 4.11 Max: 65.3
Current: 4.27
2.71
65.3
EV-to-EBIT 18.81
ISTR's EV-to-EBIT is ranked lower than
68% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. ISTR: 18.81 )
Ranked among companies with meaningful EV-to-EBIT only.
ISTR' s EV-to-EBIT Range Over the Past 10 Years
Min: 14.1  Med: 17.8 Max: 29.8
Current: 18.81
14.1
29.8
EV-to-EBITDA 16.67
ISTR's EV-to-EBITDA is ranked lower than
67% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. ISTR: 16.67 )
Ranked among companies with meaningful EV-to-EBITDA only.
ISTR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.4  Med: 15.7 Max: 24.7
Current: 16.67
12.4
24.7
PEG Ratio 1.44
ISTR's PEG Ratio is ranked lower than
51% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. ISTR: 1.44 )
Ranked among companies with meaningful PEG Ratio only.
ISTR' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.45
Current: 1.44
0
1.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.19
ISTR's Dividend Yield % is ranked lower than
99% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. ISTR: 0.19 )
Ranked among companies with meaningful Dividend Yield % only.
ISTR' s Dividend Yield % Range Over the Past 10 Years
Min: 0.1  Med: 0.22 Max: 0.26
Current: 0.19
0.1
0.26
Dividend Payout Ratio 0.04
ISTR's Dividend Payout Ratio is ranked higher than
98% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ISTR: 0.04 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ISTR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.03 Max: 0.04
Current: 0.04
0.02
0.04
Forward Dividend Yield % 0.36
ISTR's Forward Dividend Yield % is ranked lower than
98% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. ISTR: 0.36 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.19
ISTR's 5-Year Yield-on-Cost % is ranked lower than
100% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. ISTR: 0.19 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ISTR' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.1  Med: 0.22 Max: 0.26
Current: 0.19
0.1
0.26
3-Year Average Share Buyback Ratio -21.90
ISTR's 3-Year Average Share Buyback Ratio is ranked lower than
91% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. ISTR: -21.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ISTR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -50.7  Med: -30 Max: -21.9
Current: -21.9
-50.7
-21.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.43
ISTR's Price-to-Tangible-Book is ranked lower than
59% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. ISTR: 1.43 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ISTR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1  Med: 1.2 Max: 1.44
Current: 1.43
1
1.44
Price-to-Median-PS-Value 1.38
ISTR's Price-to-Median-PS-Value is ranked lower than
68% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. ISTR: 1.38 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ISTR' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.99  Med: 1.13 Max: 1.4
Current: 1.38
0.99
1.4
Price-to-Graham-Number 1.12
ISTR's Price-to-Graham-Number is ranked lower than
62% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. ISTR: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ISTR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.82  Med: 0.95 Max: 1.13
Current: 1.12
0.82
1.13
Earnings Yield (Greenblatt) % 5.32
ISTR's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. ISTR: 5.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ISTR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.4  Med: 5.6 Max: 7.1
Current: 5.32
3.4
7.1

More Statistics

Revenue (TTM) (Mil) $40.21
EPS (TTM) $ 1.11
Short Percentage of Float0.10%
52-Week Range $14.56 - 22.50
Shares Outstanding (Mil)7.10
» More Articles for ISTR

Headlines

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Investar Holding Corporation Announces Pricing of Common Stock Offering Mar 16 2017
Investar Holding Corporation Declares a 65% Increase in its Quarterly Cash Dividend Mar 15 2017
INVESTAR HOLDING CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 15 2017
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INVESTAR HOLDING CORP Financials Mar 15 2017
INVESTAR HOLDING CORP Files SEC form 10-K, Annual Report Mar 09 2017
Kroll Bond Rating Agency Assigns BBB & K3 Senior Unsecured & Short-Term Debt Ratings to Investar... Mar 09 2017
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Investar Holding Corp. : ISTR-US: Dividend Analysis : January 04th, 2017 (record date) : By the... Mar 01 2017
Investar Holding Corp. :ISTR-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
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INVESTAR HOLDING CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2017
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