Investar Holding Corporation

Investar Holding Corporation

ISTRยทNASDAQ

$27.89

-1.9%
Financial ServicesBanks - Regional

Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals and small to medium-sized businesses in South Louisiana. 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 cards; and mobile banking services. It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate lending, such as second mortgage loans; consumer loans, such as secured and unsecured installment and term loans, home equity loans and lines of credit, and auto loans, as well as loans for personal, family, and household purposes. In addition, the company offers cash management products, including remote deposit capture, virtual vault, electronic statements, positive pay, ACH origination and wire transfer, investment sweep accounts, and business Internet banking services. Further, it provides various other banking services, such as cashiers' checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, automated teller machine, interactive teller machines, merchant card, and mobile wallet payment services. The company operates through a network of 24 full service branches. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.

At a Glance

Live Snapshot
Market Cap$301.54M
EPS2.2200
P/E Ratio12.56
Earnings Date07/20/2026
3Y-57.0%
5Y+3.0%
10Y-51.0%
3Y-76.0%
5Y-43.0%
10Y-45.0%
3Y-68.0%
5Y-35.0%
10Y-36.0%
ISTR

Investar Holding Corporation Cash Conversion Engine

ISTR ยท NASDAQ
Net Income22.90M
Depreciation & Amortization2.79M
Stock-Based Compensation1.98M
Change in Working Capital-3.02M
Others-6.09M
Capital Expenditures-1.38M
Free Cash Flow16.83M

Cash Flow Quality Analysis

FCF Conversion Rate

73.5%

Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.

CapEx Intensity

7.6%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+9.2%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

-$3.02M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Solid cash generation: Positive free cash flow with reasonable earnings quality provides financial flexibility for growth investments, debt reduction, or shareholder returns.

Investar Holding Corporation Cash Flow Statement

ISTR โ€ข NASDAQ

Investar Holding Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011
OPERATING ACTIVITIES
22.9M
20.3M
16.7M
35.7M
8M
13.9M
16.8M
13.6M
8.2M
7.9M
7.1M
5.4M
3.2M
2.4M
999K
2.8M
3.1M
3.8M
4.4M
5M
4.6M
3.5M
2.6M
1.9M
1.5M
1.4M
1.3M
893K
587K
440K
-349K
659K
-350K
-655K
-547K
-1.4M
153K
841K
245K
-207K
-386K
-134K
773K
21K
0.0
2M
2M
2M
2.1M
1.7M
1.6M
1.4M
1.1M
786K
609K
385K
228K
151K
68K
0.0
-6.1M
-9.4M
-2.6M
3.6M
21M
9.4M
-367K
793K
1.6M
29.5M
25.3M
-97.4M
11.6M
-3.5M
-1.3M
(5.9M)
(3.1M)
(2.9M)
(8.9M)
(4.2M)
(4.3M)
(4.2M)
(2.6M)
(4.4M)
(2.9M)
(4M)
(1.3M)
(1.7M)
(0.0)
(65K)
-3M
-635K
6.7M
-2.4M
-1.7M
-10.4M
-3M
-2.5M
-3.2M
-2M
3.7M
2.9M
-640K
-614K
1.4M
18.2M
15.9M
26.2M
42.7M
33.5M
17.7M
18.6M
16.4M
9.5M
37.3M
37.5M
-87.6M
15.9M
-1.1M
1.6M
INVESTING ACTIVITIES
-1.4M
-506K
-1.1M
-1.1M
-3.3M
-7.6M
-7.9M
-4.9M
-2.1M
-4M
-4.1M
-5.1M
-9.4M
-4.9M
-3.7M
(0.0)
(0.0)
-596K
(0.0)
(8.1M)
-10.8M
(74.1M)
(0.0)
(21.2M)
(0.0)
(0.0)
(0.0)
(9.3M)
(0.0)
(8.6M)
-86.7M
-60.7M
-126.8M
-194M
-256.2M
-133.3M
-117.6M
-76.6M
-109.8M
-90.2M
-95.6M
-78.5M
-41.7M
-27.8M
-13.8M
57.5M
60.3M
175M
63.3M
225.3M
133.8M
110M
40.7M
139.8M
43.2M
46.9M
44.4M
26.2M
11.8M
16.1M
-53.3M
91M
-120M
-219.3M
79.6M
-130.3M
-161.7M
-141.6M
-147.5M
-101M
-120.5M
-116.4M
-135.7M
-72.8M
-32.3M
-83.9M
(90.1M)
-73.5M
-351M
(53.4M)
-148.1M
-103.1M
-182.4M
-98.3M
-152M
-173.3M
-155.6M
-151.3M
-93.7M
-25.1M
FINANCING ACTIVITIES
-2.2M
-305K
-3M
-10.5M
-6.9M
-11.1M
20.2M
-3.4M
32M
-3.5M
-572K
41.7M
5.3M
5.8M
2.6M
48.8M
-196.2M
-151M
309.4M
-42M
-11.1M
-50.3M
39.8M
95M
-43.7M
1.7M
95M
1M
17.2M
5.8M
-4.8M
-4M
-3.8M
-3.6M
-3.1M
-2.7M
-2.2M
-1.5M
-722K
-278K
-221K
-194K
-169K
-135K
-92K
-2.3M
-305K
-3M
-10.5M
-6.9M
-11.1M
-8.3M
-3.4M
-506K
-3.5M
-572K
-6K
(0.0)
(0.0)
(0.0)
7.1M
90.4M
196.9M
-43.9M
26.8M
146M
144.4M
117.7M
-36.4M
170.6M
136.3M
98M
152.8M
70.8M
6.3M
79.3M
-110.1M
39M
251.5M
-25.2M
121.1M
112.1M
152.7M
89.9M
123.1M
137.3M
234.5M
159M
93.6M
14.6M
CASH FLOW SUMMARY
13.6M
-4.1M
-8.3M
-56.8M
61.7M
-9.3M
27.6M
-13.3M
973K
8.5M
1.5M
-8.7M
23.6M
-1.2M
-8.9M
27.9M
32M
40.3M
97M
35.4M
44.7M
17.1M
30.4M
29.4M
21M
19.5M
28.2M
4.6M
5.9M
14.8M
41.5M
27.9M
32M
40.3M
97M
35.4M
44.7M
17.1M
30.4M
29.4M
21M
19.5M
28.2M
4.6M
5.9M
16.8M
15.4M
25.2M
41.7M
30.2M
10.2M
10.6M
11.5M
7.4M
33.2M
33.4M
-92.7M
6.5M
-6M
-2.2M

SEC Filings

ISTR - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 22, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 20, 2026
April 20, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
May 20, 2026
2026
8-K

8-K 2026

N/A

March 30, 2026
March 30, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

March 18, 2026
January 01, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 06, 2026
January 01, 2026
2026
8-K

8-K 2025

N/A

November 14, 2025
November 14, 2025
2025
Showing 1 to 10 of 240 filings