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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Investar Holding's annualizedNet Income for the quarter that ended in Jun. 2026 was €32.9 Mil.
Investar Holding's average Total Assets over the quarter that ended in Jun. 2026 was €3,352.0 Mil. Therefore, Investar Holding's annualized ROA % for the quarter that ended in Jun. 2026 was 0.98%.
The historical rank and industry rank for Investar Holding's ROA % or its related term are showing as below:
FRA:7ZH'
s ROA % Range Over the Past 10 Years
Min: 0.33 Med: 0.73 Max: 1.36
Current: 1.04
During the past 13 years, Investar Holding's highest ROA % was 1.36%. The lowest was 0.33%. And the median was 0.73%.
FRA:7ZH's ROA % is ranked better than 51.74% of 1525
companies
in the Banks industry
Industry Median: 1.01
vs FRA:7ZH: 1.04
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Investar Holding ROA % Related Terms
Investar Holding ROA % Historical Data
* Premium members only.
The historical data trend for Investar Holding's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Investar Holding's ROA % distribution charts can be found below:
* The bar in red indicates where Investar Holding's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Investar Holding (FRA:7ZH) has a ROA % of 0.98% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Investar Holding and its competitors. This is 34% above median its historical median of 0.73. Over the past decade, Investar Holding's ROA % has ranged from 0.33 to 1.36. According to the industry distribution chart, Investar Holding ranks #736 out of 1525 companies in the Banks industry, placing it in the top 48.3%.
Is Investar Holding's ROA % too high?
Investar Holding's current ROA % of 0.98% is 34% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 1.36. The Banks industry median ROA % is 1.01. Investar Holding's value of 0.98% is 3% below this industry median. Based on the distribution chart, Investar Holding ranks #736 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Investar Holding has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Investar Holding's ROA % compare to NEWT and AVBC?
According to the Banks industry distribution chart, Investar Holding ranks #736 out of 1525 companies for ROA %. This puts Investar Holding in the upper half of its industry. The industry median ROA % is 1.01. Investar Holding's value of 0.98% is 3% below this benchmark. Historically, Investar Holding's own ROA % has ranged from 0.33 to 1.36 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 1.01, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Investar Holding's current ROA % of 0.98% is 3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Investar Holding and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investar Holding's current ROA % is 0.98%, which is 34% above median its own 10-year median of 0.73. 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 ROA % of 0.98%. 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 ROA % is 0.98%, which is 34% above median its 10-year median of 0.73 and 3% below the Banks industry median of 1.01. Investar Holding's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Investar Holding (FRA:7ZH), the current ROA % is 0.98% 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:
ROA %: 0.98% (34% above median its 10-year median of 0.73)
GF Value™: €17.73 vs. price of €25.20 (42.1% above fair value)
Industry Position: 3% below the Banks median (#736 of 1525)
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 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.
57GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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