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Investar (ISTR) Financials

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$28.97 +0.26 (+0.91%)
Closing price 07/9/2026 04:00 PM Eastern
Extended Trading
$28.97 0.00 (0.00%)
As of 07/9/2026 05:21 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Investar

Annual Income Statements for Investar

This table shows Investar's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.07 7.88 8.20 14 17 14 8.00 36 17 20 22
Consolidated Net Income / (Loss)		 7.07 7.88 8.20 14 17 14 8.00 36 17 20 23
Net Income / (Loss) Continuing Operations		 7.07 7.88 8.20 14 17 14 8.00 36 17 20 23
Total Pre-Tax Income 		11 11 12 17 21 17 9.91 44 20 24 28
Total Revenue		 40 40 46 62 71 86 96 108 81 84 94
Net Interest Income / (Expense)		 31 35 43 57 65 74 84 90 75 70 81
Total Interest Income		 37 43 53 74 89 94 96 105 133 144 144
Loans and Leases Interest Income		 35 39 48 67 81 87 90 93 118 128 127
Investment Securities Interest Income		 2.19 3.57 5.06 6.61 7.44 5.61 4.50 10 13 12 15
Other Interest Income		 0.08 0.21 0.43 0.53 1.05 0.82 0.81 0.92 2.24 3.07 2.60
Total Interest Expense		 5.88 8.41 11 17 25 20 12 15 59 74 63
Deposits Interest Expense		 5.25 7.18 8.05 11 19 15 7.49 6.25 42 62 58
Long-Term Debt Interest Expense		 0.63 1.23 2.78 5.13 5.32 4.88 4.24 8.53 17 13 5.38
Total Non-Interest Income		 8.34 5.47 3.82 4.32 6.22 12 12 18 6.54 14 9.46
Other Service Charges		 3.58 3.15 2.36 2.42 1.37 4.96 4.03 11 2.07 2.57 2.35
Net Realized & Unrealized Capital Gains on Investments		 4.77 2.13 0.45 0.09 0.59 2.53 2.32 -0.30 -1.75 0.77 0.31
Other Non-Interest Income		 - 0.19 0.25 0.36 0.70 0.89 1.15 2.69 1.42 6.01 6.82
Provision for Credit Losses		 1.87 2.08 1.54 2.57 1.91 11 23 2.92 -2.00 -3.48 -3.39
Total Non-Interest Expense		 27 27 32 42 48 57 63 61 63 63 66
Salaries and Employee Benefits		 16 16 19 25 29 33 36 35 37 39 40
Net Occupancy & Equipment Expense		 2.46 2.48 2.84 3.47 4.20 5.31 5.87 6.52 6.48 6.19 6.12
Marketing Expense		 0.25 0.39 0.42 0.24 0.26 0.33 0.28 0.26 0.30 0.37 0.43
Other Operating Expenses		 6.80 6.67 6.67 8.71 9.52 12 14 14 15 15 15
Depreciation Expense		 1.45 1.49 1.87 2.55 3.46 4.57 4.99 4.44 3.78 3.10 2.79
Restructuring Charge		 - 0.00 1.87 1.45 2.09 1.06 2.45 - 0.00 0.00 1.04
Other Special Charges		 - - - - - 0.00 0.00 0.22 0.00 -0.29 0.00
Income Tax Expense		 3.51 3.61 4.25 3.63 4.12 3.45 1.91 8.64 3.75 4.15 4.98
Preferred Stock Dividends Declared		 - - - - - - - - 0.00 0.00 1.06
Basic Earnings per Share		 $0.98 $1.11 $0.96 $1.41 $1.68 $1.27 $0.77 $3.54 $1.69 $2.06 $2.22
Weighted Average Basic Shares Outstanding		 7.21M 7.11M 8.40M 9.54M 10.94M 10.48M 10.31M 9.91M 9.78M 9.83M 13.75M
Diluted Earnings per Share		 $0.97 $1.10 $0.96 $1.39 $1.66 $1.27 $0.76 $3.50 $1.69 $2.04 $2.13
Weighted Average Diluted Shares Outstanding		 7.21M 7.11M 8.40M 9.54M 10.94M 10.48M 10.31M 9.91M 9.78M 9.83M 13.75M
Weighted Average Basic & Diluted Shares Outstanding		 7.21M 7.11M 8.40M 9.54M 10.94M 10.48M 10.31M 9.91M 9.78M 9.83M 13.75M
Cash Dividends to Common per Share		 $0.03 $0.04 $0.10 $0.17 $0.23 $0.25 $0.31 $0.37 $0.40 $0.41 $0.44

Quarterly Income Statements for Investar

This table shows Investar's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.78 3.54 4.71 4.06 5.38 6.11 6.29 4.49 5.65 5.41 11
Consolidated Net Income / (Loss)		 2.78 3.54 4.71 4.06 5.38 6.11 6.29 4.49 6.18 5.94 12
Net Income / (Loss) Continuing Operations		 2.78 3.54 4.71 4.06 5.38 6.11 6.29 4.49 6.18 5.94 12
Total Pre-Tax Income 		3.37 4.32 6.09 4.89 6.17 7.27 7.71 5.43 7.47 7.27 15
Total Revenue		 19 20 20 20 21 23 20 22 24 27 36
Net Interest Income / (Expense)		 17 18 17 17 18 17 18 20 21 22 33
Total Interest Income		 33 37 36 36 37 36 34 35 37 37 53
Loans and Leases Interest Income		 29 33 32 32 33 31 31 31 33 32 48
Investment Securities Interest Income		 3.27 3.22 3.06 2.98 2.98 3.28 3.35 3.63 3.79 3.92 4.11
Other Interest Income		 1.00 0.32 0.53 0.65 1.10 0.79 0.53 0.59 0.75 0.73 1.14
Total Interest Expense		 16 18 19 19 19 18 16 16 16 15 21
Deposits Interest Expense		 12 15 15 15 16 16 15 14 15 14 19
Long-Term Debt Interest Expense		 3.96 3.59 3.66 3.73 3.26 1.95 1.45 1.26 1.22 1.45 1.83
Total Non-Interest Income		 1.64 1.76 2.75 2.75 3.54 5.16 2.01 2.63 2.98 1.84 2.98
Service Charges on Deposit Accounts		 1.21 1.22 1.21 - 1.23 - 1.19 1.19 1.23 - 1.52
Other Service Charges		 0.40 0.50 0.65 0.75 0.56 -0.62 0.46 0.88 0.98 0.03 0.73
Net Realized & Unrealized Capital Gains on Investments		 -0.32 -0.34 0.51 0.33 0.17 -0.06 -0.08 0.08 0.29 0.01 0.07
Other Non-Interest Income		 0.36 0.37 0.39 1.67 1.58 3.40 0.45 0.48 0.49 5.41 0.66
Provision for Credit Losses		 -0.03 0.49 -1.42 -0.42 -0.95 -0.70 -3.60 0.14 0.14 -0.08 -2.11
Total Non-Interest Expense		 16 15 15 15 16 16 16 17 17 16 23
Salaries and Employee Benefits		 9.46 9.00 9.25 9.59 9.98 9.79 9.60 10 10 10 13
Net Occupancy & Equipment Expense		 1.51 1.60 1.52 1.59 1.53 1.55 1.54 1.59 1.51 1.49 2.20
Marketing Expense		 0.08 0.07 0.04 0.07 0.12 0.14 0.11 0.11 0.10 0.11 0.10
Other Operating Expenses		 3.82 3.86 3.89 3.72 3.79 3.66 4.11 3.85 3.68 3.33 4.52
Depreciation Expense		 0.90 0.91 0.81 0.79 0.76 0.74 0.72 0.71 0.68 0.68 1.34
Restructuring Charge		 - - - 0.00 0.00 - 0.16 0.18 0.25 - 1.73
Income Tax Expense		 0.59 0.78 1.38 0.83 0.78 1.16 1.42 0.94 1.29 1.33 2.89
Preferred Stock Dividends Declared		 - - - - 0.00 - 0.00 - 0.53 - 0.53
Basic Earnings per Share		 $0.28 $0.36 $0.48 $0.41 $0.55 $0.62 $0.64 $0.46 $0.57 $0.55 $0.84
Weighted Average Basic Shares Outstanding		 9.76M 9.78M 9.83M 9.83M 9.83M 9.83M 9.84M 9.83M 9.81M 13.75M 13.79M
Diluted Earnings per Share		 $0.28 $0.36 $0.48 $0.41 $0.54 $0.61 $0.63 $0.46 $0.54 $0.50 $0.77
Weighted Average Diluted Shares Outstanding		 9.76M 9.78M 9.83M 9.83M 9.83M 9.83M 9.84M 9.83M 9.81M 13.75M 13.79M
Weighted Average Basic & Diluted Shares Outstanding		 9.76M 9.78M 9.83M 9.83M 9.83M 9.83M 9.84M 9.83M 9.81M 13.75M 13.79M
Cash Dividends to Common per Share		 $0.10 - $0.10 $0.10 $0.11 $0.10 $0.11 $0.11 $0.11 - $0.11

Annual Cash Flow Statements for Investar

This table details how cash moves in and out of Investar's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 1.45 8.48 0.97 -13 28 -9.33 62 -57 -8.25 -4.09 14
Net Cash From Operating Activities		 38 37 9.46 16 19 18 33 43 26 16 18
Net Cash From Continuing Operating Activities		 38 37 9.46 16 19 18 33 43 26 16 18
Net Income / (Loss) Continuing Operations		 7.07 7.88 8.20 14 17 14 8.00 36 17 20 23
Consolidated Net Income / (Loss)		 7.07 7.88 8.20 14 17 14 8.00 36 17 20 23
Provision For Loan Losses		 1.92 2.09 1.72 3.14 1.93 11 23 2.92 -2.00 -3.25 -2.96
Depreciation Expense		 1.45 1.49 1.87 2.55 3.46 4.57 4.99 4.44 3.78 3.10 2.79
Amortization Expense		 0.87 1.27 0.66 -1.66 -0.66 1.78 2.02 0.94 -0.24 -0.01 -0.57
Non-Cash Adjustments to Reconcile Net Income		 23 27 0.24 1.22 -0.05 -3.30 -2.73 1.17 1.33 -3.53 -0.93
Changes in Operating Assets and Liabilities, net		 3.68 -1.97 -3.23 -2.45 -2.95 -10 -1.68 -2.43 6.70 -0.64 -3.02
Net Cash From Investing Activities		 -173 -152 -98 -182 -103 -148 53 -351 -73 90 -84
Net Cash From Continuing Investing Activities		 -173 -152 -98 -182 -103 -148 53 -351 -73 90 -84
Purchase of Investment Securities		 -220 -194 -260 -218 -293 -282 -173 -425 -250 12 -145
Divestitures		 - - 22 0.00 - - 0.00 0.00 -0.60 0.00 0.00
Sale and/or Maturity of Investments		 50 44 140 41 115 134 226 74 177 78 61
Net Cash From Financing Activities		 137 123 90 153 112 121 -25 251 39 -110 79
Net Cash From Continuing Financing Activities		 137 123 90 153 112 121 -25 251 39 -110 79
Net Change in Deposits		 109 170 -20 137 153 143 26 -38 188 90 4.31
Issuance of Debt		 16 6.00 117 98 48 0.00 0.00 20 213 -153 20
Issuance of Preferred Equity		 - - - - - - - - 0.00 0.00 30
Repayment of Debt		 -14 -50 -22 -58 -98 -11 -42 290 -364 -44 29
Repurchase of Common Equity		 -0.57 -3.47 -0.51 -3.37 -8.33 -11 -6.93 -11 -3.03 -0.31 -2.29
Payment of Dividends		 -0.22 -0.28 -0.72 -1.47 -2.17 -2.69 -3.09 -3.55 -3.84 -3.97 -4.76
Other Financing Activities, Net		 27 0.15 -16 -19 -9.04 2.65 0.86 -5.65 8.74 0.08 2.87
Cash Interest Paid		 5.83 - - 16 24 21 12 14 57 74 63
Cash Income Taxes Paid		 4.00 2.85 4.38 2.56 4.19 4.34 4.21 8.89 2.90 3.10 5.89

Quarterly Cash Flow Statements for Investar

This table details how cash moves in and out of Investar's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -2.24 -32 9.84 28 17 -58 16 12 -20 6.13 38
Net Cash From Operating Activities		 11 0.30 7.83 2.83 5.56 -0.29 4.48 3.18 6.94 3.62 9.94
Net Cash From Continuing Operating Activities		 11 0.30 7.83 2.83 5.56 -0.29 4.48 3.18 6.94 3.62 9.94
Net Income / (Loss) Continuing Operations		 2.78 3.54 4.71 4.06 5.38 6.11 6.29 4.49 6.18 5.94 12
Consolidated Net Income / (Loss)		 2.78 3.54 4.71 4.06 5.38 6.11 6.29 4.49 6.18 5.94 12
Provision For Loan Losses		 -0.03 0.49 -1.19 -0.42 -0.95 -0.70 -3.60 0.44 0.28 -0.08 -2.11
Depreciation Expense		 0.90 0.91 0.81 0.79 0.76 0.74 0.72 0.71 0.68 0.68 1.34
Amortization Expense		 -0.02 -0.02 0.04 -0.01 -0.02 -0.02 -0.03 -0.12 -0.18 -0.24 -3.52
Non-Cash Adjustments to Reconcile Net Income		 0.04 0.37 -0.59 -0.39 -1.25 -1.29 0.00 -0.14 -0.51 -0.28 1.70
Changes in Operating Assets and Liabilities, net		 7.01 -4.99 4.05 -1.20 1.63 -5.12 1.09 -2.20 0.49 -2.40 0.49
Net Cash From Investing Activities		 -49 -48 36 30 9.35 15 16 -7.76 -67 -25 155
Net Cash From Continuing Investing Activities		 -49 -48 36 30 9.35 15 16 -7.76 -67 -25 155
Purchase of Investment Securities		 -85 -89 -17 -4.02 -9.41 43 -18 -23 -58 -67 17
Sale and/or Maturity of Investments		 36 41 53 34 19 -28 33 15 -8.99 43 138
Net Cash From Financing Activities		 36 16 -34 -4.53 1.76 -73 -4.55 16 40 27 -127
Net Cash From Continuing Financing Activities		 36 16 -34 -4.53 1.76 -73 -4.55 16 40 27 -127
Net Change in Deposits		 29 46 -48 2.40 77 59 1.42 -9.17 34 -22 -140
Issuance of Debt		 - -23 17 - 44 -109 0.00 2.79 -2.79 20 40
Repayment of Debt		 - - -0.79 -6.60 -124 -16 -7.22 7.22 -7.22 36 -30
Repurchase of Common Equity		 -0.68 -0.34 -0.17 -0.09 -0.04 - -0.65 -0.63 -0.32 -0.69 -1.55
Payment of Dividends		 -0.98 -0.98 -0.98 -0.98 -0.98 -1.03 -1.03 -1.03 -1.08 -1.61 -1.61
Other Financing Activities, Net		 8.75 -5.30 -0.59 0.75 5.56 -5.64 2.93 -0.22 4.04 -3.88 6.36

Annual Balance Sheets for Investar

This table presents Investar's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,032 1,159 1,623 1,786 2,149 2,321 2,513 2,754 2,815 2,723 2,833
Cash and Due from Banks		 6.31 9.77 20 16 24 26 39 30 28 27 27
Interest Bearing Deposits at Other Banks		 14 20 11 1.21 21 9.70 58 10 3.72 1.30 15
Trading Account Securities		 226 189 245 279 294 297 366 441 397 393 460
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -24 -31 2,098 2,150
Loans and Leases		 - - - - - - - - - 2,125 2,176
Allowance for Loan and Lease Losses		 - - - - - - - 24 31 27 26
Premises and Equipment, Net		 31 32 38 40 - 56 58 50 44 41 40
Intangible Assets		 3.18 3.23 20 20 31 32 44 43 42 42 41
Other Assets		 11 20 39 39 98 1,900 77 2,180 2,330 121 122
Total Liabilities & Shareholders' Equity		 1,032 1,159 1,623 1,786 2,149 2,321 2,363 2,754 2,815 2,723 2,833
Total Liabilities		 922 1,046 1,450 1,604 1,907 2,078 2,120 2,538 2,588 2,482 2,532
Non-Interest Bearing Deposits		 90 108 217 217 352 448 585 581 449 432 446
Interest Bearing Deposits		 647 799 1,009 1,144 1,356 1,440 1,535 1,502 1,807 1,914 1,904
Federal Funds Purchased and Securities Sold		 - - - - - - - 0.00 8.63 8.38 11
Long-Term Debt		 131 86 191 231 180 169 - 440 76 93 142
Other Long-Term Liabilities		 - - - - - 15 - 16 35 35 29
Commitments & Contingencies		 - - - - - - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 109 113 173 182 242 243 243 216 227 241 301
Total Preferred & Common Equity		 109 113 173 182 242 243 243 216 227 241 301
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30
Total Common Equity		 109 113 173 182 242 243 243 216 227 241 271
Common Stock		 91 89 141 140 180 170 165 156 155 157 156
Retained Earnings		 19 26 33 46 60 71 76 108 117 133 151
Accumulated Other Comprehensive Income / (Loss)		 -0.66 -2.07 -1.57 -3.08 1.89 1.81 1.16 -49 -45 -48 -36

Quarterly Balance Sheets for Investar

This table presents Investar's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,790 2,788 2,788 2,803 2,730 2,748 2,801 3,875
Cash and Due from Banks		 27 18 27 29 26 28 33 39
Interest Bearing Deposits at Other Banks		 37 24 43 57 17 27 2.81 41
Trading Account Securities		 438 401 387 402 422 433 455 510
Loans and Leases, Net of Allowance		 -30 -29 -29 -28 -26 2,080 2,124 3,032
Loans and Leases		 - - - - - 2,106 2,151 3,068
Allowance for Loan and Lease Losses		 30 29 29 28 26 27 26 36
Premises and Equipment, Net		 45 43 42 42 40 40 40 60
Intangible Assets		 42 42 42 42 42 41 41 72
Other Assets		 2,231 2,304 2,262 2,247 2,200 117 124 146
Total Liabilities & Shareholders' Equity		 2,790 2,788 2,788 2,803 2,730 2,748 2,801 3,875
Total Liabilities		 2,581 2,561 2,557 2,557 2,478 2,492 2,505 3,460
Non-Interest Bearing Deposits		 460 435 437 438 437 448 446 640
Interest Bearing Deposits		 1,750 1,772 1,774 1,850 1,911 1,890 1,926 2,593
Federal Funds Purchased and Securities Sold		 14 7.85 7.43 13 11 11 15 18
Long-Term Debt		 76 76 69 109 85 95 86 176
Other Long-Term Liabilities		 45 41 42 39 34 47 32 34
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 209 227 230 246 252 256 295 415
Total Preferred & Common Equity		 209 227 230 246 252 256 295 415
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 30 30
Total Common Equity		 209 227 230 246 252 256 265 384
Common Stock		 155 156 156 156 156 156 156 261
Retained Earnings		 114 120 124 128 138 142 146 160
Accumulated Other Comprehensive Income / (Loss)		 -60 -49 -49 -39 -43 -42 -37 -37

Annual Metrics And Ratios for Investar

This table displays calculated financial ratios and metrics derived from Investar's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 7,264,261.00 7,115,186.00 8,718,810.00 9,546,003.00 9,933,452.00 10,622,068.00 10,343,494.00 9,890,880.00 9,759,688.00 - 9,810,435.00
DEI Adjusted Shares Outstanding		 7,264,261.00 7,115,186.00 8,718,810.00 9,546,003.00 9,933,452.00 10,622,068.00 10,343,494.00 9,890,880.00 9,759,688.00 - 9,810,435.00
DEI Earnings Per Adjusted Shares Outstanding		 0.97 1.11 0.94 1.43 1.70 1.31 0.77 3.61 1.71 - 2.33
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 22.26% 1.02% 15.23% 33.14% 15.15% 20.55% 11.94% 12.81% -25.04% 3.58% 11.52%
EBITDA Growth		 50.13% 10.48% 5.11% 21.09% 31.03% -0.28% -28.62% 194.01% -51.80% 14.70% 21.85%
EBIT Growth		 61.79% 8.55% 8.36% 38.44% 21.59% -17.27% -42.85% 347.55% -53.94% 19.47% 28.15%
NOPAT Growth		 31.05% 11.41% 4.09% 65.89% 23.76% -17.52% -42.40% 346.36% -53.29% 21.43% 13.10%
Net Income Growth		 31.05% 11.41% 4.09% 65.89% 23.76% -17.52% -42.40% 346.36% -53.29% 21.43% 13.10%
EPS Growth		 4.30% 13.40% -12.73% 44.79% 19.42% -23.49% -40.16% 360.53% -51.71% 20.71% 4.41%
Operating Cash Flow Growth		 142.83% -0.57% -74.65% 73.54% 13.13% -4.41% 88.64% 27.68% -38.60% -39.32% 14.37%
Free Cash Flow Firm Growth		 80.36% 275.75% -386.03% 88.42% 139.85% 228.77% 59.55% -780.37% 168.97% 29.11% -142.47%
Invested Capital Growth		 14.07% -14.41% 61.02% 7.67% 2.53% -1.65% -6.06% 66.83% -21.33% -35.25% 32.55%
Revenue Q/Q Growth		 2.30% -0.30% 9.71% 3.12% 4.25% 5.27% 0.33% 2.67% -6.59% 2.94% 5.21%
EBITDA Q/Q Growth		 5.93% 5.15% 6.41% 0.82% 3.43% 11.33% 16.82% 3.77% -22.03% 11.20% 11.79%
EBIT Q/Q Growth		 6.89% 4.55% 9.47% 2.18% 0.15% 9.89% 40.22% 5.22% -24.02% 13.74% 13.87%
NOPAT Q/Q Growth		 -7.28% 5.26% 5.61% 8.39% -0.04% 9.53% 42.76% 5.81% -24.32% 14.53% -0.73%
Net Income Q/Q Growth		 -7.28% 5.26% 5.61% 8.39% -0.04% 9.53% 42.76% 5.81% -24.32% 14.53% -0.73%
EPS Q/Q Growth		 -6.73% 5.77% -1.03% 7.75% -1.19% 8.55% 49.02% 6.38% -23.53% 13.97% -4.91%
Operating Cash Flow Q/Q Growth		 164.68% 343.46% -18.55% 15.21% 3.16% 10.12% -4.57% 11.30% -25.33% -3.55% 27.35%
Free Cash Flow Firm Q/Q Growth		 0.00% 272.60% -10.42% 70.28% -76.32% 153.10% -67.74% -22.63% 68.97% 168.11% -181.33%
Invested Capital Q/Q Growth		 43.89% 4.17% 6.36% -3.18% 1.63% -11.10% 5.42% 10.83% -1.00% -27.91% 16.23%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 32.40% 35.43% 32.32% 29.39% 33.45% 27.67% 17.64% 45.99% 29.57% 32.74% 35.78%
EBIT Margin		 26.59% 28.57% 26.87% 27.94% 29.50% 20.25% 10.34% 41.01% 25.20% 29.07% 33.41%
Profit (Net Income) Margin		 17.77% 19.60% 17.70% 22.06% 23.71% 16.22% 8.35% 33.02% 20.58% 24.12% 24.46%
Tax Burden Percent		 66.83% 68.59% 65.88% 78.94% 80.35% 80.10% 80.73% 80.52% 81.64% 82.98% 82.13%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 89.16%
Effective Tax Rate		 33.17% 31.41% 34.12% 21.06% 19.65% 19.90% 19.27% 19.48% 18.36% 17.02% 17.87%
Return on Invested Capital (ROIC)		 2.70% 3.04% 2.63% 3.40% 4.01% 3.29% 1.97% 6.81% 2.85% 4.77% 5.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.70% 3.04% 2.63% 3.40% 4.01% 3.29% 1.97% 6.81% 2.85% 4.77% 5.90%
Return on Net Nonoperating Assets (RNNOA)		 3.95% 4.06% 3.12% 4.26% 3.93% 2.43% 1.32% 8.77% 4.69% 3.89% 2.55%
Return on Equity (ROE)		 6.65% 7.09% 5.75% 7.67% 7.94% 5.72% 3.29% 15.58% 7.54% 8.65% 8.45%
Cash Return on Invested Capital (CROIC)		 -10.45% 18.57% -44.13% -3.99% 1.51% 4.96% 8.22% -43.28% 26.72% 47.56% -22.10%
Operating Return on Assets (OROA)		 1.11% 1.05% 0.90% 1.01% 1.07% 0.78% 0.41% 1.68% 0.73% 0.88% 1.13%
Return on Assets (ROA)		 0.74% 0.72% 0.59% 0.80% 0.86% 0.62% 0.33% 1.36% 0.60% 0.73% 0.82%
Return on Common Equity (ROCE)		 6.65% 7.09% 5.74% 7.67% 7.94% 5.72% 3.29% 15.58% 7.54% 8.65% 7.97%
Return on Equity Simple (ROE_SIMPLE)		 6.47% 6.99% 4.75% 7.47% 6.96% 5.71% 3.30% 16.55% 7.35% 8.39% 7.61%
Net Operating Profit after Tax (NOPAT)		 7.07 7.88 8.20 14 17 14 8.00 36 17 20 23
NOPAT Margin		 17.77% 19.60% 17.70% 22.06% 23.71% 16.22% 8.35% 33.02% 20.58% 24.12% 24.46%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.00% 45.96% 47.36% 47.29% 46.60% 45.56% 43.47% 38.61% 54.18% 53.80% 49.96%
Operating Expenses to Revenue		 68.72% 66.25% 69.80% 67.89% 67.81% 66.72% 65.79% 56.29% 77.27% 75.08% 70.22%
Earnings before Interest and Taxes (EBIT)		 11 11 12 17 21 17 9.91 44 20 24 31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 14 15 18 24 24 17 50 24 27 33
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.04 1.05 1.09 1.17 0.90 0.67 0.74 0.94 0.61 0.89 0.96
Price to Tangible Book Value (P/TBV)		 1.07 1.08 1.23 1.31 1.03 0.77 0.90 1.17 0.75 1.08 1.14
Price to Revenue (P/Rev)		 2.86 2.94 4.06 3.46 3.06 1.90 1.87 1.87 1.71 2.57 2.79
Price to Earnings (P/E)		 16.08 15.02 22.92 15.69 12.89 11.72 22.39 5.65 8.32 10.66 11.95
Dividend Yield		 0.20% 0.25% 0.39% 0.76% 1.04% 1.63% 1.79% 1.79% 2.78% 1.87% 1.63%
Earnings Yield		 6.22% 6.66% 4.36% 6.37% 7.76% 8.53% 4.47% 17.69% 12.02% 9.38% 8.37%
Enterprise Value to Invested Capital (EV/IC)		 0.94 0.90 0.96 1.03 0.84 0.72 0.21 0.92 0.77 0.84 0.88
Enterprise Value to Revenue (EV/Rev)		 6.61 5.36 7.99 6.95 5.01 3.53 0.86 5.56 4.88 3.34 4.18
Enterprise Value to EBITDA (EV/EBITDA)		 20.39 15.12 24.71 23.65 14.97 12.77 4.85 12.09 16.51 10.21 11.69
Enterprise Value to EBIT (EV/EBIT)		 24.85 18.75 29.73 24.88 16.97 17.44 8.28 13.56 19.37 11.50 12.52
Enterprise Value to NOPAT (EV/NOPAT)		 37.18 27.33 45.12 31.52 21.12 21.78 10.26 16.84 23.73 13.85 17.09
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.01 5.77 39.13 26.13 19.16 17.04 2.45 14.07 15.08 17.62 21.49
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.47 0.00 0.00 55.95 14.47 2.46 0.00 2.53 1.39 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.56 1.12 1.23 1.28 0.76 0.72 0.00 2.04 1.27 0.38 0.47
Long-Term Debt to Equity		 1.20 0.77 1.10 1.26 0.75 0.70 0.00 2.04 0.34 0.38 0.47
Financial Leverage		 1.47 1.34 1.19 1.25 0.98 0.74 0.67 1.29 1.65 0.82 0.43
Leverage Ratio		 8.98 9.86 9.74 9.60 9.28 9.21 9.95 11.49 12.58 11.83 10.24
Compound Leverage Factor		 8.98 9.86 9.74 9.60 9.28 9.21 9.95 11.49 12.58 11.83 9.13
Debt to Total Capital		 60.88% 52.86% 55.17% 56.06% 43.10% 41.84% 0.00% 67.08% 56.03% 27.74% 31.98%
Short-Term Debt to Total Capital		 13.99% 16.76% 5.68% 0.48% 0.70% 1.35% 0.00% 0.00% 41.20% 0.00% 0.00%
Long-Term Debt to Total Capital		 46.90% 36.11% 49.48% 55.58% 42.40% 40.49% 0.00% 67.08% 14.82% 27.74% 31.98%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 6.86%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 39.12% 47.12% 44.84% 43.94% 56.90% 58.16% 100.00% 32.92% 43.97% 72.26% 61.16%
Debt to EBITDA		 13.20 8.88 14.19 12.82 7.72 7.39 0.00 8.84 12.06 3.37 4.23
Net Debt to EBITDA		 11.57 6.81 12.16 11.88 5.83 5.89 0.00 8.03 10.72 2.35 2.99
Long-Term Debt to EBITDA		 10.17 6.06 12.73 12.71 7.59 7.15 0.00 8.84 3.19 3.37 4.23
Debt to NOPAT		 24.06 16.05 25.91 17.09 10.89 12.60 0.00 12.31 17.33 4.57 6.18
Net Debt to NOPAT		 21.10 12.32 22.20 15.83 8.23 10.05 0.00 11.19 15.41 3.20 4.37
Long-Term Debt to NOPAT		 18.54 10.96 23.24 16.94 10.71 12.19 0.00 12.31 4.58 4.57 6.18
Noncontrolling Interest Sharing Ratio		 0.00% 0.02% 0.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.60%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -27 48 -138 -16 6.36 21 33 -227 156 202 -86
Operating Cash Flow to CapEx		 1,108.96% 2,918.94% 649.52% 333.78% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -4.66 5.73 -12.72 -0.97 0.26 1.03 2.84 -15.35 2.67 2.73 -1.36
Operating Cash Flow to Interest Expense		 6.38 4.43 0.87 0.99 0.75 0.88 2.85 2.89 0.45 0.21 0.29
Operating Cash Flow Less CapEx to Interest Expense		 5.80 4.28 0.74 0.70 0.75 0.88 2.85 2.89 0.45 0.21 0.29
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 1.35 1.29 1.34 1.59 0.00 0.00 1.68 2.01 1.73 1.98 2.33
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 280 239 385 415 425 418 393 656 516 334 443
Invested Capital Turnover		 0.15 0.16 0.15 0.15 0.17 0.20 0.24 0.21 0.14 0.20 0.24
Increase / (Decrease) in Invested Capital		 34 -40 146 30 10 -7.01 -25 263 -140 -182 109
Enterprise Value (EV)		 263 215 370 429 356 302 82 601 396 281 391
Market Capitalization		 114 118 188 213 217 163 179 202 139 216 261
Book Value per Share		 $15.05 $15.85 $19.81 $19.09 $24.36 $22.90 $23.45 $21.82 $23.24 $24.55 $27.60
Tangible Book Value per Share		 $14.62 $15.39 $17.53 $17.02 $21.24 $19.87 $19.20 $17.45 $18.90 $20.31 $23.40
Total Capital		 280 239 385 415 425 418 243 656 516 334 443
Total Debt		 170 127 213 233 183 175 0.00 440 289 93 142
Total Long-Term Debt		 131 86 191 231 180 169 0.00 440 76 93 142
Net Debt		 149 97 182 215 139 140 -97 399 257 65 100
Capital Expenditures (CapEx)		 3.38 1.28 1.46 4.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 170 126 213 233 183 175 150 440 289 93 142
Total Depreciation and Amortization (D&A)		 2.31 2.76 2.53 0.90 2.80 6.35 7.00 5.38 3.54 3.08 2.22
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.98 $1.11 $0.96 $1.41 $1.68 $1.27 $0.77 $3.54 $1.69 $2.06 $2.22
Adjusted Weighted Average Basic Shares Outstanding		 7.30M 7.17M 9.51M 10.16M 10.94M 10.48M 10.31M 9.91M 9.78M 9.83M 13.75M
Adjusted Diluted Earnings per Share		 $0.97 $1.10 $0.96 $1.39 $1.66 $1.27 $0.76 $3.50 $1.69 $2.04 $2.13
Adjusted Weighted Average Diluted Shares Outstanding		 7.30M 7.17M 9.51M 10.16M 10.94M 10.48M 10.31M 9.91M 9.78M 9.83M 13.75M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.68 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.30M 7.17M 9.51M 10.16M 10.94M 10.48M 10.31M 9.91M 9.78M 9.83M 13.75M
Normalized Net Operating Profit after Tax (NOPAT)		 7.07 7.88 9.43 15 19 15 9.98 36 17 20 24
Normalized NOPAT Margin		 17.77% 19.60% 20.36% 23.91% 26.07% 17.21% 10.41% 33.19% 20.58% 23.83% 25.37%
Pre Tax Income Margin		 26.59% 28.57% 26.87% 27.94% 29.50% 20.25% 10.34% 41.01% 25.20% 29.07% 29.78%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.80 1.37 1.15 1.04 0.85 0.86 0.84 3.00 0.35 0.33 0.49
NOPAT to Interest Expense		 1.20 0.94 0.76 0.82 0.68 0.69 0.68 2.42 0.28 0.27 0.36
EBIT Less CapEx to Interest Expense		 1.22 1.21 1.02 0.75 0.85 0.86 0.84 3.00 0.35 0.33 0.49
NOPAT Less CapEx to Interest Expense		 0.63 0.78 0.62 0.53 0.68 0.69 0.68 2.42 0.28 0.27 0.36
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 3.12% 3.53% 8.80% 10.79% 12.87% 19.34% 38.63% 9.95% 23.05% 19.61% 20.76%
Augmented Payout Ratio		 11.21% 47.60% 14.97% 35.54% 62.31% 99.34% 125.19% 39.46% 41.19% 21.12% 30.77%

Quarterly Metrics And Ratios for Investar

This table displays calculated financial ratios and metrics derived from Investar's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 9,831,232.00 9,759,688.00 9,781,946.00 9,829,197.00 9,828,911.00 - 9,825,633.00 9,844,848.00 9,827,751.00 9,810,435.00 13,750,025.00
DEI Adjusted Shares Outstanding		 9,831,232.00 9,759,688.00 9,781,946.00 9,829,197.00 9,828,911.00 - 9,825,633.00 9,844,848.00 9,827,751.00 9,810,435.00 13,750,025.00
DEI Earnings Per Adjusted Shares Outstanding		 0.28 0.36 0.48 0.41 0.55 - 0.64 0.46 0.63 0.61 0.87
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -26.89% -22.01% -6.05% -0.46% 12.01% 11.85% 1.96% 9.37% 12.79% 20.84% 75.08%
EBITDA Growth		 -58.26% -56.51% 21.30% -30.84% 62.75% 53.13% 21.15% -1.04% 15.48% 46.71% 51.61%
EBIT Growth		 -62.61% -59.92% 29.90% -34.20% 83.16% 68.24% 26.73% 2.41% 21.20% 55.58% 93.27%
NOPAT Growth		 -61.93% -60.24% 23.48% -38.03% 93.49% 72.61% 33.69% 10.77% 14.83% -2.77% 91.07%
Net Income Growth		 -61.93% -60.24% 23.48% -38.03% 93.49% 72.61% 33.69% 10.77% 14.83% -2.77% 91.07%
EPS Growth		 -61.64% -59.09% 26.32% -38.81% 92.86% 69.44% 31.25% 12.20% 0.00% -18.03% 22.22%
Operating Cash Flow Growth		 -9.40% -96.78% -36.71% -2.48% -47.96% -198.31% -42.81% 12.22% 24.89% 1,344.33% 122.00%
Free Cash Flow Firm Growth		 134.69% 156.50% 121.98% 156.01% -14.04% 31.07% 350.33% 2,597.88% 40.51% -154.69% -220.23%
Invested Capital Growth		 -11.93% -21.33% -6.97% -0.50% -11.07% -35.25% -36.56% -33.42% -17.79% 32.55% 75.10%
Revenue Q/Q Growth		 -6.60% 5.97% -1.39% 2.00% 5.09% 5.82% -8.43% 9.40% 8.38% 11.30% 32.67%
EBITDA Q/Q Growth		 -51.74% 22.81% 33.06% -12.30% 13.56% 15.55% 11.05% -28.36% 32.51% 39.17% 14.76%
EBIT Q/Q Growth		 -58.22% 28.34% 40.90% -12.91% 16.30% 17.89% 12.56% -29.62% 37.63% 42.69% 39.83%
NOPAT Q/Q Growth		 -57.52% 27.22% 33.04% -13.81% 32.64% 13.49% 3.05% -28.59% 37.49% -3.90% 102.49%
Net Income Q/Q Growth		 -57.52% 27.22% 33.04% -13.81% 32.64% 13.49% 3.05% -28.59% 37.49% -3.90% 102.49%
EPS Q/Q Growth		 -58.21% 28.57% 33.33% -14.58% 31.71% 12.96% 3.28% -26.98% 17.39% -7.41% 54.00%
Operating Cash Flow Q/Q Growth		 267.63% -97.23% 2,545.27% -63.83% 96.19% -105.24% 1,638.83% -29.03% 118.34% -47.82% 174.54%
Free Cash Flow Firm Q/Q Growth		 712.69% 95.42% -68.92% -84.95% 840.22% 197.99% 6.78% -9.82% -51.03% -215.99% -134.72%
Invested Capital Q/Q Growth		 -1.81% -1.00% 3.07% -0.69% -12.24% -27.91% 0.98% 4.22% 8.37% 16.23% 33.39%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 22.21% 25.74% 34.74% 29.87% 32.28% 35.24% 41.28% 27.03% 33.04% 41.32% 35.74%
EBIT Margin		 17.62% 21.34% 30.49% 26.03% 28.81% 32.09% 37.90% 24.38% 30.96% 39.69% 41.83%
Profit (Net Income) Margin		 14.56% 17.48% 23.58% 19.92% 25.14% 26.97% 30.91% 20.18% 25.60% 22.10% 33.74%
Tax Burden Percent		 82.62% 81.90% 77.33% 83.03% 87.28% 84.03% 81.58% 82.78% 82.70% 81.67% 80.65%
Interest Burden Percent		 100.00% 100.00% 100.00% 92.17% 100.00% 100.00% 100.00% 100.00% 100.00% 68.20% 100.00%
Effective Tax Rate		 17.38% 18.10% 22.67% 16.97% 12.72% 15.97% 18.42% 17.22% 17.30% 18.33% 19.35%
Return on Invested Capital (ROIC)		 2.27% 2.42% 3.41% 3.00% 4.19% 5.33% 6.00% 3.96% 5.40% 5.33% 7.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.27% 2.42% 3.41% 3.00% 4.19% 5.33% 6.00% 3.96% 5.40% 5.33% 7.92%
Return on Net Nonoperating Assets (RNNOA)		 3.82% 3.98% 5.03% 4.08% 4.89% 4.34% 4.89% 3.20% 3.03% 2.30% 3.11%
Return on Equity (ROE)		 6.10% 6.40% 8.44% 7.08% 9.08% 9.67% 10.89% 7.16% 8.42% 7.63% 11.03%
Cash Return on Invested Capital (CROIC)		 16.65% 26.72% 10.41% 3.35% 15.31% 47.56% 49.77% 45.20% 25.00% -22.10% -48.42%
Operating Return on Assets (OROA)		 0.56% 0.62% 0.88% 0.75% 0.84% 0.97% 1.16% 0.76% 0.98% 1.34% 1.38%
Return on Assets (ROA)		 0.46% 0.51% 0.68% 0.57% 0.74% 0.82% 0.95% 0.63% 0.81% 0.75% 1.11%
Return on Common Equity (ROCE)		 6.10% 6.40% 8.44% 7.08% 9.08% 9.67% 10.89% 7.16% 7.95% 7.20% 10.53%
Return on Equity Simple (ROE_SIMPLE)		 10.56% 0.00% 7.74% 6.55% 7.20% 0.00% 8.67% 8.70% 7.81% 0.00% 6.91%
Net Operating Profit after Tax (NOPAT)		 2.78 3.54 4.71 4.06 5.38 6.11 6.29 4.49 6.18 5.94 12
NOPAT Margin		 14.56% 17.48% 23.58% 19.92% 25.14% 26.97% 30.91% 20.18% 25.60% 22.10% 33.74%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 57.85% 52.70% 54.13% 55.27% 54.37% 50.68% 55.28% 53.70% 49.36% 43.39% 42.78%
Operating Expenses to Revenue		 82.56% 76.26% 76.62% 76.01% 75.61% 71.00% 79.77% 74.99% 68.47% 60.59% 64.08%
Earnings before Interest and Taxes (EBIT)		 3.37 4.32 6.09 5.30 6.17 7.27 7.71 5.43 7.47 11 15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.24 5.21 6.94 6.08 6.91 7.98 8.40 6.02 7.98 11 13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.49 0.61 0.69 0.64 0.76 0.89 0.67 0.74 0.86 0.96 0.98
Price to Tangible Book Value (P/TBV)		 0.61 0.75 0.85 0.78 0.92 1.08 0.81 0.89 1.02 1.14 1.20
Price to Revenue (P/Rev)		 1.17 1.71 1.96 1.85 2.28 2.57 2.01 2.21 2.56 2.79 3.44
Price to Earnings (P/E)		 4.61 8.32 8.90 9.76 10.56 10.66 7.78 8.54 10.12 11.95 13.86
Dividend Yield		 3.77% 2.78% 2.50% 2.67% 2.13% 1.87% 2.40% 2.20% 1.85% 1.63% 1.61%
Earnings Yield		 21.70% 12.02% 11.23% 10.25% 9.47% 9.38% 12.86% 11.71% 9.88% 8.37% 7.21%
Enterprise Value to Invested Capital (EV/IC)		 0.67 0.77 0.79 0.71 0.69 0.84 0.63 0.66 0.81 0.88 0.85
Enterprise Value to Revenue (EV/Rev)		 4.03 4.88 5.25 4.71 3.88 3.34 2.51 2.67 3.47 4.18 4.60
Enterprise Value to EBITDA (EV/EBITDA)		 11.39 16.51 16.64 16.69 12.65 10.21 7.31 7.98 10.30 11.69 13.26
Enterprise Value to EBIT (EV/EBIT)		 13.02 19.37 19.20 19.67 14.54 11.50 8.14 8.81 11.24 12.52 13.04
Enterprise Value to NOPAT (EV/NOPAT)		 15.89 23.73 23.85 24.87 17.99 13.85 9.70 10.35 13.38 17.09 17.51
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.96 15.08 19.31 17.34 19.26 17.62 16.84 17.84 21.58 21.49 21.18
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.78 2.53 7.30 21.16 4.22 1.39 0.98 1.16 2.93 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.50 1.27 1.34 1.29 0.89 0.38 0.34 0.37 0.29 0.47 0.42
Long-Term Debt to Equity		 0.37 0.34 0.33 0.30 0.44 0.38 0.34 0.37 0.29 0.47 0.42
Financial Leverage		 1.68 1.65 1.48 1.36 1.17 0.82 0.81 0.81 0.56 0.43 0.39
Leverage Ratio		 13.15 12.58 12.44 12.35 12.31 11.83 11.53 11.39 10.36 10.24 9.91
Compound Leverage Factor		 13.15 12.58 12.44 11.39 12.31 11.83 11.53 11.39 10.36 6.99 9.91
Debt to Total Capital		 59.93% 56.03% 57.29% 56.39% 47.00% 27.74% 25.35% 27.17% 22.46% 31.98% 29.77%
Short-Term Debt to Total Capital		 45.27% 41.20% 43.08% 43.38% 23.53% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 14.67% 14.82% 14.21% 13.01% 23.47% 27.74% 25.35% 27.17% 22.46% 31.98% 29.77%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 7.97% 6.86% 5.14%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 40.07% 43.97% 42.71% 43.61% 53.00% 72.26% 74.65% 72.83% 69.57% 61.16% 65.08%
Debt to EBITDA		 10.16 12.06 12.09 13.25 8.66 3.37 2.95 3.31 2.85 4.23 4.65
Net Debt to EBITDA		 8.09 10.72 10.43 10.14 5.23 2.35 1.45 1.39 1.67 2.99 2.54
Long-Term Debt to EBITDA		 2.49 3.19 3.00 3.06 4.32 3.37 2.95 3.31 2.85 4.23 4.65
Debt to NOPAT		 14.17 17.33 17.33 19.73 12.31 4.57 3.91 4.29 3.71 6.18 6.14
Net Debt to NOPAT		 11.28 15.41 14.95 15.12 7.43 3.20 1.92 1.81 2.17 4.37 3.36
Long-Term Debt to NOPAT		 3.47 4.58 4.30 4.55 6.15 4.57 3.91 4.29 3.71 6.18 6.14
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.61% 5.60% 4.56%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 73 143 45 6.71 63 188 201 181 89 -103 -241
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 4.67 7.89 2.41 0.36 3.32 10.43 12.47 11.51 5.56 -6.63 -11.74
Operating Cash Flow to Interest Expense		 0.68 0.02 0.42 0.15 0.29 -0.02 0.28 0.20 0.44 0.23 0.48
Operating Cash Flow Less CapEx to Interest Expense		 0.68 0.02 0.42 0.15 0.29 -0.02 0.28 0.20 0.44 0.23 0.48
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 1.83 1.73 1.77 1.80 1.89 1.98 2.03 2.10 2.18 2.33 2.17
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 521 516 532 528 463 334 337 351 381 443 590
Invested Capital Turnover		 0.16 0.14 0.14 0.15 0.17 0.20 0.19 0.20 0.21 0.24 0.23
Increase / (Decrease) in Invested Capital		 -71 -140 -40 -2.65 -58 -182 -194 -176 -82 109 253
Enterprise Value (EV)		 350 396 419 375 318 281 212 230 309 391 502
Market Capitalization		 102 139 156 147 187 216 170 190 228 261 375
Book Value per Share		 $21.23 $23.24 $23.21 $23.42 $24.98 $24.55 $25.62 $26.00 $26.96 $27.60 $27.95
Tangible Book Value per Share		 $16.91 $18.90 $18.90 $19.15 $20.72 $20.31 $21.39 $21.79 $22.76 $23.40 $22.70
Total Capital		 521 516 532 528 463 334 337 351 381 443 590
Total Debt		 312 289 305 298 218 93 85 95 86 142 176
Total Long-Term Debt		 76 76 76 69 109 93 85 95 86 142 176
Net Debt		 249 257 263 228 131 65 42 40 50 100 96
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 312 289 305 298 218 93 85 95 86 142 176
Total Depreciation and Amortization (D&A)		 0.88 0.89 0.85 0.78 0.74 0.71 0.69 0.59 0.50 0.44 -2.17
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.28 $0.36 $0.48 $0.41 $0.55 $0.62 $0.64 $0.46 $0.57 $0.55 $0.84
Adjusted Weighted Average Basic Shares Outstanding		 9.76M 9.78M 9.83M 9.83M 9.83M 9.83M 9.84M 9.83M 9.81M 13.75M 13.79M
Adjusted Diluted Earnings per Share		 $0.28 $0.36 $0.48 $0.41 $0.54 $0.61 $0.63 $0.46 $0.54 $0.50 $0.77
Adjusted Weighted Average Diluted Shares Outstanding		 9.76M 9.78M 9.83M 9.83M 9.83M 9.83M 9.84M 9.83M 9.81M 13.75M 13.79M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.76M 9.78M 9.83M 9.83M 9.83M 9.83M 9.84M 9.83M 9.81M 13.75M 13.79M
Normalized Net Operating Profit after Tax (NOPAT)		 2.78 3.54 4.54 3.82 5.38 6.28 6.42 4.64 6.38 5.94 13
Normalized NOPAT Margin		 14.56% 17.48% 22.74% 18.75% 25.14% 27.75% 31.55% 20.86% 26.44% 22.10% 37.65%
Pre Tax Income Margin		 17.62% 21.34% 30.49% 23.99% 28.81% 32.09% 37.90% 24.38% 30.96% 27.07% 41.83%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.21 0.24 0.33 0.29 0.32 0.40 0.48 0.35 0.47 0.69 0.73
NOPAT to Interest Expense		 0.18 0.19 0.25 0.22 0.28 0.34 0.39 0.29 0.39 0.38 0.59
EBIT Less CapEx to Interest Expense		 0.21 0.24 0.33 0.29 0.32 0.40 0.48 0.35 0.47 0.69 0.73
NOPAT Less CapEx to Interest Expense		 0.18 0.19 0.25 0.22 0.28 0.34 0.39 0.29 0.39 0.38 0.59
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 17.27% 23.05% 22.06% 25.98% 22.17% 19.61% 18.45% 18.31% 18.11% 20.76% 18.61%
Augmented Payout Ratio		 30.41% 41.19% 35.07% 34.48% 25.80% 21.12% 22.03% 24.24% 25.06% 30.77% 29.75%

Financials Breakdown Chart

Investar Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Investar's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Investar's net income appears to be on an upward trend, with a most recent value of $22.90 million in 2025, rising from $7.07 million in 2015. The previous period was $20.25 million in 2024. Check out Investar's forecast to explore projected trends and price targets.

Over the last 10 years, Investar's total revenue changed from $39.80 million in 2015 to $93.63 million in 2025, a change of 135.2%.

Investar's total liabilities were at $2.53 billion at the end of 2025, a 2.0% increase from 2024, and a 174.6% increase since 2015.

In the past 10 years, Investar's cash and equivalents has ranged from $6.31 million in 2015 to $38.60 million in 2021, and is currently $26.61 million as of their latest financial filing in 2025.

Over the last 10 years, Investar's book value per share changed from 15.05 in 2015 to 27.60 in 2025, a change of 83.3%.


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Financial statements for NASDAQ:ISTR last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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