Investar Holding Corp (ISTR) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Investar Holding Corp stock $15.65, price $27.79, that is 43.7% below the price, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Investar Holding Corp
ISTR · USOur calculation puts a fair price 44% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $8.77 – $31.10 · fair‑value band $13.68 – $17.38 · the $27.79 price screens above the $15.65 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals, professionals, and small to medium-sized businesses in south Louisiana, southeast Texas, and Alabama in the United States.
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The company offers various deposit products and services, such as savings, checking, money market, and individual retirement accounts, as well as various certificates of deposit; debit and credit cards; internet, mobile, and video banking services; and reciprocal deposit products.
It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; construction and development loans comprising loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate loans, which includes second mortgage loans; and consumer loans, such as secured or unsecured loans, installment or term loans, home equity loans and lines of credit, business purpose loans, and auto loans, as well as loans for personal, family, and household purposes.
In addition, the company offers treasury management products, including remote deposit capture, virtual vaults, positive pay, automated clearing house origination, credit card processing, wire transfers, investment sweep accounts, and business internet banking services.
Further, it provides various other banking services, such as cashier's checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, ATMs with deposit automation, electronic statements, interactive teller machines, online account opening, online bill payment, online fund transfer, Zelle money transfer solutions, and mobile wallet payment option services.
Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
Stock analysis
Investar Holding Corp (ISTR) currently trades at $27.79, while our model-based Fair Value estimate is $15.65, 44% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $21.45 per share, and 0 of the 6 models we run sit above the $27.79 price.
Bear case: the Dividend Discount group reads lowest at $5.38, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $13.68 (bear) to $17.38 (bull), the price of $27.79 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Investar Holding Corp reported revenue of $153M in FY2025 versus $108M in FY2021, a compound +9.2%/yr. Reported net income was $22.9M in FY2025, compounding +30.1%/yr from FY2021.
Key figures
Market cap $407M Small · P/E ratio 11.4 · P/S ratio 3.03 · EPS (TTM) $2.43 · Dividend yield 1.7% · Net margin 29.1% · Return on equity 11.0% · Return on assets (EBIT) 0.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 20% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −44%, ISTR screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- BuyRobert Chris JordanDirector2× since Mar 12, 2026: 3,550 shares, avg. $27.14$96,338Apr 23, 2026
- SaleJohn J D'AngeloChief Executive Officer, Director26,163 shares at $28.01$732,826Jan 27, 2026
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
ISTR screens overvalued: fair value 44% below the price. Compare with China Merchants Bank Co →
Earlier news
- Investar (ISTR) Surpasses Q3 Earnings Estimates
- Investar declares $0.12 dividend
- Investar (ISTR) Upgraded to Buy: Here's What You Should Know
- Investar (ISTR) Beats Q2 Earnings and Revenue Estimates
Compare Investar Holding Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs ISTR |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs ISTR |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs ISTR |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs ISTR |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs ISTR |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs ISTR |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs ISTR |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs ISTR |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs ISTR |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs ISTR |
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Frequently asked questions
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Key figures of Investar Holding Corp
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