Investar Holding (FRA:7ZH) Cyclically Adjusted FCF per Share: €1.82 (As of Jun. 2026)

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FRA:7ZH Investar Holding Corp FRA:7ZH
54 GF Score
Price €25.20
GF Value €17.73
! 6 Warning Signs
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What is Investar Holding Cyclically Adjusted FCF per Share?

Investar Holding FRA:7ZH -3.82% 54 Cyclically Adjusted FCF per Share is €1.82 as of Jun. 2026. GuruFocus rates FRA:7ZH with a GF Score™ of 54/100 and a GF Value™ of €17.73. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Investar Holding's adjusted free cash flow per share for the three months ended in Jun. 2026 was €0.329. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €1.82 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Investar Holding's average Cyclically Adjusted FCF Growth Rate was -13.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 42.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Investar Holding was 42.00% per year. The lowest was 42.00% per year. And the median was 42.00% per year.

As of today (2026-08-21), Investar Holding's current stock price is €25.20. Investar Holding's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €1.82. Investar Holding's Cyclically Adjusted Price-to-FCF of today is 13.85.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Investar Holding was 27.01. The lowest was 5.79. And the median was 11.48.


Investar Holding  (FRA:7ZH) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Investar Holding's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=25.20/1.82
=13.85

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Investar Holding was 27.01. The lowest was 5.79. And the median was 11.48.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Investar Holding Cyclically Adjusted FCF per Share Related Terms


Investar Holding Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Investar Holding's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Investar Holding Cyclically Adjusted FCF per Share Chart

Investar Holding Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.81 0.95 2.78 2.16

Investar Holding Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.08 1.70 2.16 1.81 1.82

FRA:7ZH vs NEWT, AVBC, PCB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Investar Holding's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Investar Holding Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Investar Holding's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Investar Holding's Cyclically Adjusted Price-to-FCF falls into.


FRA:7ZH
54GF Score
Investar Holding Corp FRA:7ZH
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Investar Holding Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Investar Holding's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.329/333.9520*333.9520
=0.329

Current CPI (Jun. 2026) = 333.9520.

Investar Holding Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -0.333 241.428 -0.461
201612 0.531 241.432 0.734
201703 1.129 243.801 1.546
201706 -0.412 244.955 -0.562
201709 0.136 246.819 0.184
201712 0.115 246.524 0.156
201803 0.247 249.554 0.331
201806 0.225 251.989 0.298
201809 0.250 252.439 0.331
201812 0.293 251.233 0.389
201903 0.312 254.202 0.410
201906 0.427 256.143 0.557
201909 -0.073 256.759 -0.095
201912 0.278 256.974 0.361
202003 -0.079 258.115 -0.102
202006 0.014 257.797 0.018
202009 0.452 260.280 0.580
202012 0.404 260.474 0.518
202103 0.638 264.877 0.804
202106 0.787 271.696 0.967
202109 0.597 274.310 0.727
202112 0.411 278.802 0.492
202203 1.736 287.504 2.016
202206 0.116 296.311 0.131
202209 1.167 296.808 1.313
202212 0.836 296.797 0.941
202303 1.126 301.836 1.246
202306 0.251 305.109 0.275
202309 0.984 307.789 1.068
202312 0.012 306.746 0.013
202403 0.720 312.332 0.770
202406 0.250 314.175 0.266
202409 0.496 315.301 0.525
202412 -0.039 315.605 -0.041
202503 0.396 319.799 0.414
202506 0.258 322.561 0.267
202509 0.476 324.800 0.489
202512 0.233 324.054 0.240
202603 0.517 330.213 0.523
202606 0.329 333.952 0.329

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €1.82 mean?
Investar Holding (FRA:7ZH) has a Cyclically Adjusted FCF per Share of €1.82 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Investar Holding and its competitors.
Is Investar Holding's Cyclically Adjusted FCF per Share too high?
Investar Holding's current Cyclically Adjusted FCF per Share is €1.82. Overall, Investar Holding has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Investar Holding's Cyclically Adjusted FCF per Share compare to NEWT and AVBC?
Investar Holding's Cyclically Adjusted FCF per Share of €1.82 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Investar Holding and its competitors. Investar Holding's current Cyclically Adjusted FCF per Share is €1.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Investar Holding stock overvalued right now?
Investar Holding (FRA:7ZH) has a current Cyclically Adjusted FCF per Share of €1.82. The stock's GF Value™ is €17.73, compared to a current price of €25.20 — trading 42.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €1.82. Investar Holding's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Investar Holding (FRA:7ZH), the current Cyclically Adjusted FCF per Share is €1.82 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Investar Holding (FRA:7ZH) Overvalued in 2026?

Based on GuruFocus' analysis, Investar Holding stock appears to be overvalued. The current stock price of €25.20 is trading 42.1% above its estimated GF Value™ of €17.73.

Key valuation signals for FRA:7ZH:

  • Cyclically Adjusted FCF per Share: €1.82
  • GF Value™: €17.73 vs. price of €25.20 (42.1% above fair value)
  • GF Score™: 54/100 with 6 warning signs

No single metric tells the full story. See the FRA:7ZH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Investar Holding Business Description

Other Exchanges ISTR:USA
Address 10500 Coursey Boulevard, Baton Rouge, LA, USA, 70816
Investar Holding Corp is a U.S.-based financial holding company. Through its subsidiaries, it offers a variety of commercial and retail lending products throughout its market areas, including business loans to small to medium-sized businesses, as well as loans to individuals. It has business operations spread across the United States and serves its customers through several service branches. The bank also offers cashier's checks, direct deposit of payroll and Social Security checks, night depository, bank-by-mail, automated teller machines with deposit automation, and debit cards.
54GF Score

Get the complete analysis for FRA:7ZH

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€25.20
Price
€17.73
GF Value