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MARKETS / NASDAQ / Financials / Banks / 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
$93.6M
▲ 7.1% YoY
$22.9M
▲ 13.1% YoY

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

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
50M100M
201220152018202120242025
Compound annual growth
−3.8%
+4.7%
−13.8%
+10.5%
+12.5%
−15.3%
+10.9%
+8.2%
+6.0%
+11.7%
+30.7%
−22.7%
−14.0%
+23.3%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +4.7% a year over the five years to FY2025 — 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%
20%40%
201220182025
ROE
FY2025 · ROE 8.4%
5%10%15%
201220182025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin29.8%
Net margin24.5%
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
15M30M-40M-80M
201220182025
Net buybacks $M Dividends $M
FY2025 · Dividends 4.2 · Net buybacks 2.2
5M10M-15M-30MDividendsNet buybacks
20122014201620182020202220242025
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—not applicable◌not available in our data
ISTR, 14-year financial record
Metric 20252024202320222021202020192018201720162015201420132012
Revenue $B0.10.10.10.10.10.10.1◌◌◌◌◌◌◌
Operating income $B0.00.00.00.00.00.00.00.00.00.00.00.00.0◌
EBITDA $B◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B◌◌◌◌◌◌◌0.00.00.00.0−0.10.0−0.0
EPS, diluted $2.132.041.693.500.761.271.661.390.961.100.970.930.810.71
Dividend / sh $0.430.410.400.360.310.250.230.170.100.040.030.040.050.05
Payout %1820231039191311943456
ROE %8.48.77.515.63.35.77.97.75.77.16.66.86.45.4
Shares out B0.010.010.010.010.010.010.010.010.010.010.010.010.000.00

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

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UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 41 reconciliationsAUDITED

Reconciled in 14 of the 14 fiscal years we could check. Six checks were skipped: the balance sheet is not tagged before 2013. Five checks were skipped: EPS is not tagged before 2012.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inLouisiana
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2012

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