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Investar Holding Corp (ISTR) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Investar Holding Corp $22.98, price $29.36, upside -21.7%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US46134L1052

IH Investar Holding Corp logo Broad data Sep 23, 2026

Investar Holding Corp

ISTR · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $22.98 · Overvalued (−22%)
!Quality 46/100
!Mixed Growth (revenue 5y +7.7 %/yr)
✓Highly profitable · 26.7% net margin (TTM)
✓Low debt · generates free cash flow
·1.50% dividend yield
!Trails peers (2/14)
!Moderate moat 61/100
!Insider activity 40/100
!Weak on valuation: 4 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$31.10 $8.77 Fair Value $22.98 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $8.77 – $31.10 · fair‑value band $17.24 – $28.72 · the $29.36 price screens above the $22.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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. 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 $29.36, while our model-based Fair Value estimate is $22.98, implying the stock looks roughly 27.8% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $21.59 per share, and 0 of the 4 models we run sit above the $29.36 price.

Bear case: the Asset-Based group reads lowest at $14.62, and 4 of the 4 models stay below the price. Evidence for this calculation is high.

Scenario range: $17.24 (bear) to $28.72 (bull), the price of $29.36 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 46/100 (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 $412M · P/E ratio 12.9 · P/S ratio 1.93 · EPS (TTM) $2.27 · Dividend yield 1.5% · Net margin 14.9% · Return on equity 8.6% · Return on assets (EBIT) 0.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −22%, ISTR screens cheaper than that median.

Fair Value models

Bear $17.24 Fair Value $22.98 Bull $28.72
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.34 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $16.91 $17.56 $18.03 76
P/E Multiple $16.19 $21.59 $26.98 63
P/B Multiple $21.17 $28.23 $35.29 55
All 4 models by family
Multiples
P/E Multiple $16.19 $21.59 $26.98 63
P/B Multiple $21.17 $28.23 $35.29 55
Asset-Based
NCAV (Graham) $10.91 $14.62 $21.83 54
Economic Profit
Residual Income $16.91 $17.56 $18.03 76

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Quality Score breakdown

Overall quality 46/100

Of which business quality 39 · Market factors (momentum, volatility) 71

Profitability 26
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 54
Earnings quality: real cash, not paper profit
Fin. Strength 3
Balance sheet, leverage, solvency risk
Investment 79
Disciplined investing over empire-building
Low Volatility 92
Calm price path (market factor)
Momentum 55
Price trend over the last 3–12 months (market factor)
52W Momentum 74
Distance to the 52-week high (market factor)
Net Issuance 41
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 74/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.7%
Start year 2020 (pandemic). Over 10 years: +12.9% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+12.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.5%
Dividend (yield on the price)1.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11% vs 8%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 18%
Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−10.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −12.7% a year for the price.

ISTR screens 28% overvalued. Compare with DBS Group →

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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 · 1076 stocks

Beats the industry median on 2/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 44 · Bottom 25%
Fair Value upside −22% · Below median
Profitability
Return on equity (TTM) 9% · Below median
Return on assets 1% · Below median
Net margin (TTM) 27% · Below median
Operating margin (TTM) 44% · Above median
Growth and dividend
Revenue growth 58% · Top 25%
Dividend yield (TTM) 1.5% · Bottom 25%
Balance sheet
Debt / equity 0.47× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 12.9× · Pricier than median
P/B 1.37× · Pricier than median
P/S (TTM) 3.84× · Pricier than median
P/FCF 24.5× · Priciest 25%
EV/EBITDA 17.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)4 · sector 11
FUTURE (revenue growth)100 · sector 45
PAST (return on equity)34 · sector 41
HEALTH (low debt)77 · sector 85
DIVIDEND (yield)30 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Investar Holding Corp · Fair Value
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Cite: Fair Value Calculator (2026). "Investar Holding Corp Fair Value". https://www.fairvalue-calculator.com/stock/ISTR

Frequently asked questions

Is Investar Holding Corp (ISTR) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $22.98 versus a price of $29.36, about −22% upside (overvalued).
What is the fair value of ISTR?
Our model-based fair value for Investar Holding Corp is $22.98 (as of Sep 23, 2026), built from audited fundamentals. The current price: $29.36.
What is the quality score of ISTR?
Investar Holding Corp has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Investar Holding Corp (ISTR)?
Our model-based price target is the fair value of $22.98 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $17.24, optimistic scenario $28.72. It is a calculation from audited fundamentals, not an analyst target.
What is the Investar Holding Corp stock forecast for 2026?
Our models put fair value at $22.98, about −22% upside versus a price of $29.36 (overvalued). Cautious scenario $17.24, optimistic scenario $28.72. The calculation is refreshed regularly with new filings.
What is the revenue of Investar Holding Corp (ISTR)?
Investar Holding Corp reported trailing-twelve-month revenue of about $107M (latest available figure, as of Sep 23, 2026).
Does Investar Holding Corp pay a dividend?
Investar Holding Corp currently shows a dividend yield of about 1.50% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Investar Holding Corp (ISTR)?
For today's price to be fair in a discounted-cash-flow model, Investar Holding Corp would have to grow free cash flow by -10.6 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.7 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of ISTR use?
Our models discount Investar Holding Corp at 9.8 %: a base by market capitalisation (small), damped by beta 0.47, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Investar Holding Corp that is -10.6 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Investar Holding Corp (ISTR) delivered so far?
Over the past 5 years revenue at Investar Holding Corp grew +7.7 % a year. The price currently implies -10.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Investar Holding Corp (ISTR) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Investar Holding Corp (-10.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Investar Holding Corp (ISTR)?
The free-cash-flow yield on the price is 5.40 %: that much free cash flow Investar Holding Corp produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Investar Holding Corp (ISTR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Investar Holding Corp it is $22.98 per share (as of Sep 23, 2026), against a price of $29.36. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Investar Holding Corp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, ISTR trades above its calculated fair value: price $29.36, fair value $22.98, a gap of about −22% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ISTR?
No. The price is what the market pays today ($29.36); the fair value is what the company's own numbers justify ($22.98). For Investar Holding Corp the two are $6.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Investar Holding Corp worth?
The market values Investar Holding Corp at about $412M (market capitalisation, as of Sep 23, 2026). Per share that is $29.36; our models calculate a fair value of $22.98 per share.
What do the bullish and bearish scenarios say about ISTR?
Our models span a range for Investar Holding Corp: cautious scenario $17.24, base $22.98, optimistic $28.72 per share (as of Sep 23, 2026, price $29.36). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ISTR?
Investar Holding Corp trades at a price-to-earnings ratio of 12.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.98 is built from several models across several years. Other multiples: P/B 1.4, P/S 3.8, EV/EBITDA 17.2.
How solid is the balance sheet of Investar Holding Corp (ISTR)?
Balance-sheet figures for Investar Holding Corp (as of Sep 23, 2026): return on equity 8.6%, debt of 0.47 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is ISTR from its 52-week high?
Investar Holding Corp trades at $29.36, about 6% below its 52-week high of $31.10 and 38% above the low of $21.34 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $22.98 is for.
Which stocks are comparable to Investar Holding Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Investar Holding Corp stock attractive at the current price?
The data as of Sep 23, 2026: price $29.36, calculated fair value $22.98 (−22%), Quality Score 46/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ISTR calculated?
We run Investar Holding Corp through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $22.98, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Investar Holding Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Investar Holding Corp (ISTR)?
The closing price on Sep 23, 2026 was $29.36. Our model-based fair value is $22.98, about −22% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Investar Holding Corp right now?
The price sits above even our optimistic bull case ($28.72). The favourable scenario is already priced in. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Investar Holding Corp (ISTR) come from?
Earnings per share at Investar Holding Corp grew +7.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.7 %, EBIT margin −3.4 %, tax rate +1.6 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Investar Holding Corp

How large is the market capitalisation of Investar Holding Corp (ISTR)?
The market capitalisation of Investar Holding Corp is $412M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Investar Holding Corp (ISTR)?
The price-to-sales ratio of Investar Holding Corp is 1.93 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Investar Holding Corp (ISTR)?
Earnings per share at Investar Holding Corp are $2.27 (price ÷ EPS = P/E 12.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Investar Holding Corp (ISTR)?
The dividend yield of Investar Holding Corp is 1.5% (payout 19.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Investar Holding Corp (ISTR)?
The net margin of Investar Holding Corp is 14.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Investar Holding Corp (ISTR)?
The return on equity (ROE) of Investar Holding Corp is 8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Investar Holding Corp (ISTR)?
On an EBIT basis the return on assets of Investar Holding Corp is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Investar Holding Corp (ISTR)?
The operating margin of Investar Holding Corp is 44.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Investar Holding Corp (ISTR)?
Revenue at Investar Holding Corp is growing +57.6% versus a year earlier (3y avg +7.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Investar Holding Corp (ISTR)?
Earnings per share at Investar Holding Corp are growing +22.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Investar Holding Corp (ISTR) carry?
The net debt of Investar Holding Corp is $126M (fiscal year 2025, ≈ 7.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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