Investar HoldingISTR -2.42%54 EV-to-FCF is 24.38 as of Jul. 04, 2026, which is 17% above its 10-year median of 20.77. GuruFocus rates ISTR with a GF Score™ of 54/100 and a GF Value™ of $20.16 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, Investar Holding ranks worse than 85.41% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Investar Holding's Enterprise Value is $533.0 Mil.
Investar Holding's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $21.9 Mil. Therefore, Investar Holding's EV-to-FCF for today is 24.38.
The historical rank and industry rank for Investar Holding's EV-to-FCF or its related term are showing as below:
ISTR'
s EV-to-FCF Range Over the Past 10 Years
Min: -1.25 Med: 20.77 Max: 306.78
Current: 24.38
During the past 13 years, the highest EV-to-FCF of Investar Holding was 306.78. The lowest was -1.25. And the median was 20.77.
ISTR's EV-to-FCF is ranked worse than 85.41% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs ISTR: 24.38
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Investar Holding's PE Ratio (TTM) for today is calculated as:
Investar Holding's share price for today is $29.47.
Investar Holding's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.280.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Investar Holding EV-to-FCF Related Terms
Investar Holding EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Investar Holding's EV-to-FCF 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.
For the Banks - Regional subindustry, Investar Holding's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Investar Holding's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Investar Holding's EV-to-FCF falls into.
Investar Holding's current Enterprise Value is $533.0 Mil.
Investar Holding's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $21.9 Mil.
* 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 EV-to-FCF of 24.38 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Investar Holding and its competitors. This is 17% above median its historical median of 20.77. According to the industry distribution chart, Investar Holding ranks #1019 out of 1193 companies in the Banks industry, placing it in the top 85.4%.
Is Investar Holding's EV-to-FCF too high?
Investar Holding's current EV-to-FCF of 24.38 is 17% above median its 10-year median of 20.77. The Banks industry median EV-to-FCF is 6.61. Investar Holding's value of 24.38 is 268.8% above this industry median. Based on the distribution chart, Investar Holding ranks #1019 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to FRST and PBFS?
According to the Banks industry distribution chart, Investar Holding ranks #1019 out of 1193 companies for EV-to-FCF. This places Investar Holding in the lower half of its industry. The industry median EV-to-FCF is 6.61. Investar Holding's value of 24.38 is 268.8% above this benchmark. While the company's 10-year median is 20.77 vs. the industry median of 6.61, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Investar Holding's current EV-to-FCF of 24.38 is 268.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Investar Holding and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investar Holding's current EV-to-FCF is 24.38, which is 17% above median its own 10-year median of 20.77. 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 $20.16, compared to a current price of $29.47 — trading 46.2% above its estimated fair value. The current EV-to-FCF is 24.38, which is 17% above median its 10-year median of 20.77 and 268.8% above the Banks industry median of 6.61. Investar Holding's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Investar Holding (ISTR), the current EV-to-FCF is 24.38 as of Jul. 04, 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 $29.47 is trading 46.2% above its estimated GF Value™ of $20.16.
GuruFocus considers Investar Holding to be Significantly Overvalued.
Key valuation signals for ISTR:
EV-to-FCF: 24.38 (17% above median its 10-year median of 20.77)
GF Value™: $20.16 vs. price of $29.47 (46.2% above fair value)
Industry Position: 268.8% above the Banks median (#1019 of 1193)
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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