MARKETS / NASDAQ / ISTR

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Investar Holding Corp. ISTR

14 fiscal years on record · USD · FY2025 reported · SEC filings only

10 YEARS OF DIVIDEND GROWTH

Revenue

$93.6M

▲ 7.1% YoY

Net income

$22.9M

▲ 13.1% YoY

In brief

What this company does

Through the Bank, the Company offers a wide range of commercial banking products tailored to meet the needs of individuals, professionals, and small to medium-sized businesses. Investar's primary areas of operation are south Louisiana, including Baton Rouge, New Orleans, Lafayette and Lake Charles; Texas, including Houston, north Dallas and Wichita Falls; and Alabama, including York and Oxford and their surrounding areas. As of December 31, 2025, on a consolidated basis, the Company had total assets of $2.8 billion, net loans of $2.1 billion, total deposits of $2.4 billion, and stockholders' equity of $301.1 million. The Company offers a full range 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. Management considers all of the Company's operations to be aggregated in one reportable operating segment.

Written from the business description in Investar Holding Corp's annual report to the U.S. Securities and Exchange Commission, filed 16 March 2026. Every sentence was checked against that document before publication.

Growth

USD 93.6M

Revenue, FY2025 · full 14-year series below

Revenue $M Net income $M

FY2025 · Revenue 93.6 · Net income 22.9

Compound annual growth

Revenue

−3.8%

+4.7%

Net income

−13.8%

+10.5%

+12.5%

EPS, diluted

−15.3%

+10.9%

+8.2%

Dividend / share

+6.0%

+11.7%

+30.7%

Returned to shareholders

−22.7%

−14.0%

+23.3%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +4.7% a year over five years — but profit grew faster: net income at +10.5%, earnings per share at +10.9%.

The share count fell from 0.01B to 0.01B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

24 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 29.8% · Net 24.5%

ROE

FY2025 · ROE 8.4%

Gross margin—

Operating margin29.8%

Net margin24.5%

Return on assets0.8%

EBITDA—

Each USD of equity produced 8 cents of profit this year.

Cash & shareholders

USD 6.5M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2018 · FCF 11.5

Net buybacks $M Dividends $M

FY2025 · Dividends 4.2 · Net buybacks 2.2

Dividends paidUSD 4.2M

Net buybacksUSD 2.2M

Share of profit28.2%

Consecutive raises10 years

USD 4.2M in dividends and USD 2.2M in buybacks — 28% of the year's profit went back to shareholders.

Total assetsUSD 2.8B

EquityUSD 301.1M

Gross debtUSD 9.8M

DepositsUSD 2.4B

Equity funds 11% of total assets.

The 14-year record

14 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Revenue $B	0.1	0.1	0.1	0.1	0.1	0.1	0.1	·	·	·	·	·	·	·
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·
EBITDA $B	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	·	·	·	·	·	·	·	0.0	0.0	0.0	0.0	−0.1	0.0	−0.0
EPS, diluted $	2.13	2.04	1.69	3.50	0.76	1.27	1.66	1.39	0.96	1.10	0.97	0.93	0.81	0.71
Dividend / sh $	0.43	0.41	0.40	0.36	0.31	0.25	0.23	0.17	0.10	0.04	0.03	0.04	0.05	0.05
Payout %	18	20	23	10	39	19	13	11	9	4	3	4	5	6
ROE %	8.4	8.7	7.5	15.6	3.3	5.7	7.9	7.7	5.7	7.1	6.6	6.8	6.4	5.4
Shares out B	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 41 reconciliationsAUDITED

Reconciled in 14 of 19 fiscal years. 16 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inLouisiana

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2012