Investar Holding Corporation Common Stock (ISTR)

FairStock Score: 46/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham style investor, I start with the business: Investar is a small regional bank holding company operating through Investar Bank in south Louisiana, southeast Texas and Alabama, serving individuals, professionals and small-to-mid-sized businesses. That is a relationship business, but it lacks the scale and funding advantages of a mega-bank; the moat is local and modest at best. The filed numbers show improvement: net income was $16.7 million in FY2023, $20.3 million in FY2024 and $22.9 million in FY2025; in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $9.5 million, or $0.61 per diluted share, versus $4.5 million and $0.46 in fiscal Q2 2025. At the 2026-10-13 close of $28.85, FairStock calculates a P/E of 11.87, P/B of 1.02, ROE of 9.94%, PEG of 0.11, and a Piotroski F-Score of 3/9. The price is not demanding relative to book, but a 1.02 P/B with a sub-10% ROE does not scream bargain. The Lynch category is STALWART — steady growth, with profit growing 10.5% a year over five years — and the FairStock Score is 46/100. I cannot judge the most important bank risks because CET1, net interest margin and combined ratio are not in the figures (the last is not a bank measure), nor are loan-loss reserves, nonperforming assets or efficiency ratio. Leverage is also N/A. So the record is respectable, but without credit and capital detail, I would treat this as a fair, unproven-quality small bank rather than a wide-moat compounder.

In plain English: Investar is a small regional bank serving customers in Louisiana, Texas and Alabama. The business has been profitable, and its earnings have increased over the past few years and in the latest reported quarter. The shares look reasonably priced compared with its profits and the value of its net assets, but important details about bank safety and lending quality are missing.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer