ISTR (Investar Holding) E10: $2.03 (As of Jun. 2026)

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ISTR Investar Holding Corp ISTR
54 GF Score
Price $30.21
GF Value $21.18
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Investar Holding E10?

Investar Holding ISTR +0.33% 54 E10 is $2.03 as of Jun. 2026. GuruFocus rates ISTR with a GF Score™ of 54/100 and a GF Value™ of $21.18 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Investar Holding's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.610. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.03 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Investar Holding's average E10 Growth Rate was 9.10% per year. During the past 3 years, the average E10 Growth Rate was 9.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Investar Holding was 9.10% per year. The lowest was 9.10% per year. And the median was 9.10% per year.

As of today (2026-08-21), Investar Holding's current stock price is $30.2099. Investar Holding's E10 for the quarter that ended in Jun. 2026 was $2.03. Investar Holding's Shiller PE Ratio of today is 14.88.

During the past 13 years, the highest Shiller PE Ratio of Investar Holding was 15.76. The lowest was 6.27. And the median was 10.93.


Investar Holding  (NAS:ISTR) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Investar Holding's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=30.2099/2.03
=14.88

* 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 Shiller P/E Ratio of Investar Holding was 15.76. The lowest was 6.27. And the median was 10.93.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Investar Holding E10 Related Terms


Investar Holding E10 Historical Data

* Premium members only.

The historical data trend for Investar Holding's E10 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 E10 Chart

Investar Holding Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 1.47 1.63 1.78 1.91

Investar Holding Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 1.86 1.89 1.91 1.98 2.03

ISTR vs NEWT, AVBC, PCB: E10 Comparison

For the Banks - Regional subindustry, Investar Holding's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Investar Holding's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Investar Holding's Shiller PE Ratio falls into.


ISTR
54GF Score
Investar Holding Corp ISTR
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Investar Holding E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.61/333.9520*333.9520
=0.610

Current CPI (Jun. 2026) = 333.9520.

Investar Holding Quarterly Data

per share eps CPI Adj_EPS
201609 0.290 241.428 0.401
201612 0.260 241.432 0.360
201703 0.260 243.801 0.356
201706 0.220 244.955 0.300
201709 0.240 246.819 0.325
201712 0.250 246.524 0.339
201803 0.250 249.554 0.335
201806 0.390 251.989 0.517
201809 0.410 252.439 0.542
201812 0.340 251.233 0.452
201903 0.400 254.202 0.525
201906 0.480 256.143 0.626
201909 0.460 256.759 0.598
201912 0.320 256.974 0.416
202003 0.050 258.115 0.065
202006 0.390 257.797 0.505
202009 0.410 260.280 0.526
202012 0.420 260.474 0.538
202103 0.510 264.877 0.643
202106 0.530 271.696 0.651
202109 -0.950 274.310 -1.157
202112 0.670 278.802 0.803
202203 0.970 287.504 1.127
202206 0.920 296.311 1.037
202209 0.730 296.808 0.821
202212 0.880 296.797 0.990
202303 0.380 301.836 0.420
202306 0.670 305.109 0.733
202309 0.280 307.789 0.304
202312 0.360 306.746 0.392
202403 0.480 312.332 0.513
202406 0.410 314.175 0.436
202409 0.540 315.301 0.572
202412 0.610 315.605 0.645
202503 0.630 319.799 0.658
202506 0.460 322.561 0.476
202509 0.540 324.800 0.555
202512 0.510 324.054 0.526
202603 0.770 330.213 0.779
202606 0.610 333.952 0.610

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.03 mean?
Investar Holding (ISTR) has a E10 of $2.03 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Investar Holding and its competitors.
Is Investar Holding's E10 too high?
Investar Holding's current E10 is $2.03. Overall, Investar Holding has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Investar Holding's E10 compare to NEWT and AVBC?
Investar Holding's E10 of $2.03 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Investar Holding and its competitors. Investar Holding's current E10 is $2.03. 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?
Based on GuruFocus' analysis, Investar Holding (ISTR) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.18, compared to a current price of $30.21 — trading 42.6% above its estimated fair value. The current E10 is $2.03. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Investar Holding (ISTR), the current E10 is $2.03 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 (ISTR) Overvalued in 2026?

Based on GuruFocus' analysis, Investar Holding stock appears to be overvalued. The current stock price of $30.21 is trading 42.6% above its estimated GF Value™ of $21.18. GuruFocus considers Investar Holding to be Significantly Overvalued.

Key valuation signals for ISTR:

  • E10: $2.03
  • GF Value™: $21.18 vs. price of $30.21 (42.6% above fair value)
  • GF Score™: 54/100 with 6 warning signs

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


Investar Holding Business Description

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 ISTR

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.21
Price
$21.18
GF Value