What is Investar Holding's earnings per share (EPS)?

Investar Holding (ISTR) reported diluted earnings per share of $2.13 for fiscal year 2025. This represents a 4.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Investar Holding Financials

ISTR

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Investar Holding (ISTR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ISTR FY2025 2026-05-08

Capital rebuilding, rather than balance-sheet leverage, is driving better earnings on a still modest-return asset base.

Net income climbed from $16.7M in FY2023 to $22.9M in FY2025. Yet ROE only edged from 7.4% to 7.6%, because equity rebuilt faster than earnings scaled, so the recent improvement reflects a stronger capital posture more than a dramatic jump in balance-sheet productivity.

With assets at $2.83B and ROA only 0.8%, the business is still earning relatively little on a very large balance sheet, which is the central operating constraint here. That makes the net margin of 24.5% less revealing than asset returns: a high-looking margin can coexist with only moderate economic output from the assets employed.

Long-term debt remained just $9.8M while total equity reached $301.1M, an unusual combination for a liability-funded balance sheet this large. That mix points to a funding model supported mainly by liabilities other than term debt, with retained earnings gradually restoring capital instead of depending on heavier borrowing.

Financial Health Signals

Financial Health Score 37/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Investar Holding's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

6/7

Investar Holding passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.80x

For every $1 of reported earnings, Investar Holding generates $0.80 in operating cash flow ($18.2M OCF vs $22.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$93.6M

YoY+7.1%

5Y CAGR+4.7%

10Y CAGR+9.6%

Investar Holding generated $93.6M in revenue in fiscal year 2025. This represents an increase of 7.1% from the prior year.

EBITDA

N/A

Net Income

$22.9M

YoY+13.1%

5Y CAGR+10.5%

10Y CAGR+12.5%

Investar Holding reported $22.9M in net income in fiscal year 2025. This represents an increase of 13.1% from the prior year.

EPS (Diluted)

$2.13

YoY+4.4%

5Y CAGR+10.9%

10Y CAGR+8.2%

Investar Holding earned $2.13 per diluted share (EPS) in fiscal year 2025. This represents an increase of 4.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

N/A

Dividends Per Share

$0.43

YoY+6.1%

5Y CAGR+11.7%

10Y CAGR+30.7%

Investar Holding paid $0.43 per share in dividends in fiscal year 2025. This represents an increase of 6.1% from the prior year.

Shares Outstanding

10M

YoY-0.3%

5Y CAGR-1.6%

10Y CAGR+3.0%

Investar Holding had 10M shares outstanding in fiscal year 2025. This represents a decrease of 0.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.5%

YoY+1.3pp

5Y CAGR+5.8pp

10Y CAGR+5.5pp

Investar Holding's net profit margin was 24.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.3 percentage points from the prior year.

Return on Equity

7.6%

YoY-0.8pp

5Y CAGR+1.9pp

10Y CAGR+1.1pp

Investar Holding's ROE was 7.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.3M

YoY+651.8%

5Y CAGR-27.1%

10Y CAGR+14.9%

Investar Holding spent $2.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 651.8% from the prior year.

Capital Expenditures

N/A

ISTR Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$93.6M+7.1%	$87.4M+5.3%	$83.1M-21.1%	$105.2M+44.2%	$73.0M-2.0%	$74.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$40.2M+4.2%	$38.6M+4.0%	$37.1M+6.2%	$35.0M-1.6%	$35.5M+6.4%	$33.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$63.2M-14.7%	$74.1M+26.3%	$58.7M+296.9%	$14.8M+26.1%	$11.7M-42.1%	$20.3M
Income Tax	$5.0M+19.9%	$4.2M+10.8%	$3.8M-56.6%	$8.6M+352.5%	$1.9M-44.7%	$3.5M
Net Income	$22.9M+13.1%	$20.3M+21.4%	$16.7M-53.3%	$35.7M+346.4%	$8.0M-42.4%	$13.9M
EPS (Diluted)	$2.13+4.4%	$2.04+20.7%	$1.69-51.7%	$3.50+360.5%	$0.76-40.2%	$1.27

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$53.2M+125.9%	$23.5M-1.9%	$24.0M+8.4%	$22.1M-7.6%	$24.0M+2.6%	$23.3M+4.5%	$22.3M+9.7%	$20.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.9M+28.6%	$10.1M-2.3%	$10.3M+0.4%	$10.3M+6.8%	$9.6M-1.9%	$9.8M-1.9%	$10.0M+4.1%	$9.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$20.5M+32.6%	$15.5M-2.8%	$15.9M+1.4%	$15.7M-2.3%	$16.1M-10.7%	$18.0M-5.1%	$19.0M+2.2%	$18.6M
Income Tax	$2.9M+116.4%	$1.3M+3.1%	$1.3M+38.3%	$935K-34.2%	$1.4M+22.4%	$1.2M+48.1%	$784K-5.4%	$829K
Net Income	$12.0M+102.5%	$5.9M-3.9%	$6.2M+37.5%	$4.5M-28.6%	$6.3M+3.0%	$6.1M+13.5%	$5.4M+32.6%	$4.1M
EPS (Diluted)	$0.77	N/A	$0.54+17.4%	$0.46-27.0%	$0.63	N/A	$0.54+31.7%	$0.41

ISTR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.8B+4.0%	$2.7B-3.3%	$2.8B+2.2%	$2.8B+9.6%	$2.5B+8.3%	$2.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	$35.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$40.1M0.0%	$40.1M0.0%	$40.1M0.0%	$40.1M0.0%	$40.1M+42.7%	$28.1M
Total Liabilities	$2.5B+2.0%	$2.5B-4.1%	$2.6B+2.0%	$2.5B+11.8%	$2.3B+9.3%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M0.0%	$9.8M	N/A
Total Equity	$301.1M+24.8%	$241.3M+6.4%	$226.8M+5.1%	$215.8M-11.1%	$242.6M-0.3%	$243.3M
Retained Earnings	$150.5M+13.2%	$132.9M+13.9%	$116.7M+7.9%	$108.2M+42.1%	$76.2M+6.7%	$71.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.9B+36.8%	$2.8B+1.2%	$2.8B+1.9%	$2.7B+0.7%	$2.7B+0.3%	$2.7B-2.8%	$2.8B+0.5%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$58.1M+44.9%	$40.1M	N/A	N/A	$40.1M0.0%	$40.1M	N/A	N/A
Total Liabilities	$3.5B+36.7%	$2.5B+1.1%	$2.5B+0.5%	$2.5B+0.6%	$2.5B-0.1%	$2.5B-3.0%	$2.6B0.0%	$2.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$9.8M	N/A	N/A	N/A	$9.8M	N/A	N/A
Total Equity	$414.6M+37.7%	$301.1M+2.0%	$295.3M+15.4%	$255.9M+1.7%	$251.7M+4.3%	$241.3M-1.7%	$245.5M+6.7%	$230.2M
Retained Earnings	$160.5M+6.6%	$150.5M+3.0%	$146.2M+3.2%	$141.6M+2.5%	$138.2M+4.0%	$132.9M+4.0%	$127.9M+3.5%	$123.5M

ISTR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$18.2M+14.4%	$15.9M-39.3%	$26.2M-38.6%	$42.7M+27.7%	$33.5M+88.6%	$17.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$83.9M-193.2%	$90.1M+222.6%	-$73.5M+79.1%	-$351.0M-757.3%	$53.4M+136.0%	-$148.1M
Financing Cash Flow	$79.3M+172.0%	-$110.1M-382.3%	$39.0M-84.5%	$251.5M+1097.6%	-$25.2M-120.8%	$121.1M
Dividends Paid	$4.2M+6.4%	$4.0M+3.3%	$3.8M+8.2%	$3.6M+15.0%	$3.1M+15.0%	$2.7M
Share Buybacks	$2.3M+651.8%	$305K-89.9%	$3.0M-71.3%	$10.5M+52.2%	$6.9M-37.7%	$11.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$9.9M+174.5%	$3.6M-47.8%	$6.9M+118.3%	$3.2M-29.0%	$4.5M+1638.8%	-$291K-105.2%	$5.6M+96.2%	$2.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$155.5M+724.9%	-$24.9M+62.8%	-$66.9M-762.6%	-$7.8M-149.5%	$15.7M+2.5%	$15.3M+63.5%	$9.4M-68.3%	$29.5M
Financing Cash Flow	-$127.3M-564.8%	$27.4M-31.8%	$40.2M+146.6%	$16.3M+457.7%	-$4.6M+93.8%	-$73.4M-4271.4%	$1.8M+138.8%	-$4.5M
Dividends Paid	$1.1M-0.3%	$1.1M-0.2%	$1.1M+5.0%	$1.0M-0.1%	$1.0M0.0%	$1.0M+5.0%	$983K+0.1%	$982K
Share Buybacks	$1.5M+124.5%	$689K+114.6%	$321K-49.4%	$634K-2.3%	$649K	$0-100.0%	$38K-59.6%	$94K

ISTR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.5%+1.3pp	23.2%+3.1pp	20.1%-13.9pp	33.9%+23.0pp	11.0%-7.7pp	18.6%
Return on Equity	7.6%-0.8pp	8.4%+1.0pp	7.3%-9.2pp	16.6%+13.3pp	3.3%-2.4pp	5.7%
Return on Assets	0.8%+0.1pp	0.7%+0.2pp	0.6%-0.7pp	1.3%+1.0pp	0.3%-0.3pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.030.0	0.040.0	0.040.0	0.050.0	0.04-8.5	8.54
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.6%-2.6pp	25.2%-0.5pp	25.8%+5.4pp	20.3%-6.0pp	26.3%+0.1pp	26.2%+2.1pp	24.1%+4.2pp	19.9%
Return on Equity	2.9%+0.9pp	2.0%-0.1pp	2.1%+0.3pp	1.8%-0.7pp	2.5%-0.0pp	2.5%+0.3pp	2.2%+0.4pp	1.8%
Return on Assets	0.3%+0.1pp	0.2%-0.0pp	0.2%+0.1pp	0.2%-0.1pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.35+8.3	0.03-8.5	8.48-1.3	9.74-0.1	9.84+9.8	0.04-10.4	10.41-0.7	11.11
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Investar Holding's annual revenue?

Investar Holding (ISTR) reported $93.6M in total revenue for fiscal year 2025. This represents a 7.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Investar Holding's revenue growing?

Investar Holding (ISTR) revenue grew by 7.1% year-over-year, from $87.4M to $93.6M in fiscal year 2025.

Is Investar Holding profitable?

Yes, Investar Holding (ISTR) reported a net income of $22.9M in fiscal year 2025, with a net profit margin of 24.5%.

What is Investar Holding's net profit margin?

Investar Holding (ISTR) had a net profit margin of 24.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Investar Holding pay dividends?

Yes, Investar Holding (ISTR) paid $0.43 per share in dividends during fiscal year 2025.

What is Investar Holding's return on equity (ROE)?

Investar Holding (ISTR) has a return on equity of 7.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Investar Holding's operating cash flow?

Investar Holding (ISTR) generated $18.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Investar Holding's total assets?

Investar Holding (ISTR) had $2.8B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Investar Holding buy back shares?

Yes, Investar Holding (ISTR) spent $2.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Investar Holding have outstanding?

Investar Holding (ISTR) had 10M shares outstanding as of fiscal year 2025.

What is Investar Holding's debt-to-equity ratio?

Investar Holding (ISTR) had a debt-to-equity ratio of 0.03 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Investar Holding's return on assets (ROA)?

Investar Holding (ISTR) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Investar Holding's Piotroski F-Score?

Investar Holding (ISTR) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Investar Holding's earnings high quality?

Investar Holding (ISTR) has an earnings quality ratio of 0.80x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Investar Holding?

Investar Holding (ISTR) scores 37 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.