Obermatt

Investar

NMQ:ISTR · US46134L1052
BanksX-Small

360

80
Profit price42
Cash yield39
Price/Sales76
EV / Gross Profit34
Price/Book77
Returns on capital24
Profit margins
Cash Conversion34
Accruals85
Owner Earnings Margin41
Sales growth98
Profit Growth36
Owner Earnings Growth61
Reinvestment96
Price momentum92
Debt load20
Debt serviceability59
Liquidity24
Analyst ratings79
Opinion Changes50
Price Target Upside69
Market mood1
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Investar clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Founded2009
Employees207
ISINUS46134L1052
Last UpdateApr 2, 2026

Description

Investar Holding Corporation is a financial holding company. The company conducts its operations primarily through its wholly-owned subsidiary, Investar Bank, National Association, a national bank chartered by the OCC. Through the bank, the company…

Analysis

Weak and unloved

Investar Holding Corporation scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 13.5×; owner earnings: the cash an owner could take out each year.

Growth is solid and accelerating; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
76
2023202420252026

All-time high

87

Mar 2026

All-time low

27

Jan 2023

Average rank

65

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
76
89
93
97
Price/Earnings
85
72
75
95
Price/Book
77
87
93
97
Dividend Yield
39
30
36
31
Value (overall)
75
75
88
93

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →