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Investar HoldingISTR -0.46%54 Equity-to-Asset is 0.11 as of Jun. 2026, which is 10% above its 10-year median of 0.10. GuruFocus rates ISTR with a GF Score™ of 54/100 and a GF Value™ of $21.37 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,517 Banks companies, Investar Holding ranks better than 63.88% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Investar Holding's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $420.1 Mil. Investar Holding's Total Assets for the quarter that ended in Jun. 2026 was $3,861.7 Mil.
Therefore, Investar Holding's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.11.
The historical rank and industry rank for Investar Holding's Equity-to-Asset or its related term are showing as below:
ISTR'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.1 Max: 0.13
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Investar Holding was 0.13. The lowest was 0.08. And the median was 0.10.
ISTR's Equity-to-Asset is ranked better than 63.88% of 1517
companies
in the Banks industry
Industry Median: 0.1
vs ISTR: 0.11
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Investar Holding Equity-to-Asset Related Terms
Investar Holding Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Investar Holding's Equity-to-Asset 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.
ISTR vs USCB, PBFS, AVBC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Investar Holding's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Investar Holding's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Investar Holding's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Investar Holding's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (ISTR) has a Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Investar Holding and its competitors. This is 10% above median its historical median of 0.10. Over the past decade, Investar Holding's Equity-to-Asset has ranged from 0.08 to 0.13. According to the industry distribution chart, Investar Holding ranks #548 out of 1517 companies in the Banks industry, placing it in the top 36.1%.
Is Investar Holding's Equity-to-Asset too high?
Investar Holding's current Equity-to-Asset of 0.11 is 10% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Investar Holding's value of 0.11 is 10% above this industry median. Based on the distribution chart, Investar Holding ranks #548 out of 1517 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to USCB and PBFS?
According to the Banks industry distribution chart, Investar Holding ranks #548 out of 1517 companies for Equity-to-Asset. This puts Investar Holding in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Investar Holding's value of 0.11 is 10% above this benchmark. Historically, Investar Holding's own Equity-to-Asset has ranged from 0.08 to 0.13 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Investar Holding has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Investar Holding's current Equity-to-Asset of 0.11 is 10% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Investar Holding and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investar Holding's current Equity-to-Asset is 0.11, which is 10% above median its own 10-year median of 0.10. 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 $21.37, compared to a current price of $30.49 — trading 42.7% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 10% above median its 10-year median of 0.10 and 10% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Investar Holding (ISTR), the current Equity-to-Asset is 0.11 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 $30.49 is trading 42.7% above its estimated GF Value™ of $21.37.
GuruFocus considers Investar Holding to be Significantly Overvalued.
Key valuation signals for ISTR:
Equity-to-Asset: 0.11 (10% above median its 10-year median of 0.10)
GF Value™: $21.37 vs. price of $30.49 (42.7% above fair value)
Industry Position: 10% above the Banks median (#548 of 1517)
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 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
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