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Investar HoldingISTR +0.68%54 FCF Margin % is 16.14% as of Jun. 2026, which is 14% below its 10-year median of 18.68. 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. Among 1,499 Banks companies, Investar Holding ranks worse than 58.84% on this metric.
The historical data trend for Investar Holding's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Investar Holding's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Investar Holding's FCF Margin % falls into.
* 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 FCF Margin % of 16.14% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Investar Holding and its competitors. This is 14% below median its historical median of 18.68. Over the past decade, Investar Holding's FCF Margin % has ranged from 11.86 to 85.36. According to the industry distribution chart, Investar Holding ranks #882 out of 1499 companies in the Banks industry, placing it in the top 58.8%.
Is Investar Holding's FCF Margin % too high?
Investar Holding's current FCF Margin % of 16.14% is 14% below median its 10-year median of 18.68. Over the past 10 years, this metric has ranged from a low of 11.86 to a high of 85.36. The Banks industry median FCF Margin % is 27.12. Investar Holding's value of 16.14% is 40.5% below this industry median. Based on the distribution chart, Investar Holding ranks #882 out of 1499 companies in the Banks industry, which is below 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 FCF Margin % compare to NEWT and AVBC?
According to the Banks industry distribution chart, Investar Holding ranks #882 out of 1499 companies for FCF Margin %. This places Investar Holding in the lower half of its industry. The industry median FCF Margin % is 27.12. Investar Holding's value of 16.14% is 40.5% below this benchmark. Historically, Investar Holding's own FCF Margin % has ranged from 11.86 to 85.36 over the past decade. While the company's 10-year median is 18.68 vs. the industry median of 27.12, Investar Holding has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Investar Holding's current FCF Margin % of 16.14% is 40.5% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Investar Holding and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investar Holding's current FCF Margin % is 16.14%, which is 14% below median its own 10-year median of 18.68. 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 $30.32 — trading 43.1% above its estimated fair value. The current FCF Margin % is 16.14%, which is 14% below median its 10-year median of 18.68 and 40.5% below the Banks industry median of 27.12. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Investar Holding (ISTR), the current FCF Margin % is 16.14% 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 $30.32 is trading 43.1% above its estimated GF Value™ of $21.18.
GuruFocus considers Investar Holding to be Significantly Overvalued.
Key valuation signals for ISTR:
FCF Margin %: 16.14% (14% below median its 10-year median of 18.68)
GF Value™: $21.18 vs. price of $30.32 (43.1% above fair value)
Industry Position: 40.5% below the Banks median (#882 of 1499)
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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