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Financials · ISTR

Investar Holding Corporation (ISTR) financials

For the twelve months ended Sep 30, 2026, Investar Holding Corporation reported $135.86M of revenue and $39.09M of net income.

Revenue, TTM
$135.86M
Revenue growth, YoY
+50.8%
Net income, TTM
$39.09M
Net income growth, YoY
+69.4%
Net margin
28.8%
EPS, diluted, TTM
$2.62
EPS growth, YoY
+17.0%
P/E
9.91
P/S
2.85
Market cap
$387.5M
Annual revenue$93.63M
FY2016FY2025
Annual net income$22.90M
FY2016FY2025
Annual free cash flow$11.48M
FY2016FY2018

ISTR revenue and earnings growth

ISTR revenueQ3 2026$36.81M

Quarter YoY
+52.5%
QoQ
+0.7%
FY YoY
+7.1%
5Y CAGR
+1.8%
10Y CAGR
+8.9%

ISTR revenue was $36.81M in fiscal Q3 2026 (ended Sep 30, 2026), up 52.5% from a year earlier and up 0.7% from the prior quarter. For the full fiscal 2025 it was $93.63M, up 7.1% from fiscal 2024. Compound annual growth was +1.8% over 5 years and +8.9% over 10 years. It rose in 9 of the last 10 fiscal years.

ISTR net incomeQ3 2026$11.65M

Quarter YoY
+88.6%
QoQ
+23.0%
FY YoY
+13.1%
5Y CAGR
+10.5%
10Y CAGR
+12.5%

ISTR net income was $11.65M in fiscal Q3 2026 (ended Sep 30, 2026), up 88.6% from a year earlier and up 23.0% from the prior quarter. For the full fiscal 2025 it was $22.90M, up 13.1% from fiscal 2024. Compound annual growth was +10.5% over 5 years and +12.5% over 10 years. It rose in 7 of the last 10 fiscal years.

ISTR EPSQ3 2026$0.74

Quarter YoY
+37.0%
QoQ
+21.3%
FY YoY
+4.4%
5Y CAGR
+10.9%
10Y CAGR
+8.2%

ISTR diluted EPS was $0.74 in fiscal Q3 2026 (ended Sep 30, 2026), up 37.0% from a year earlier and up 21.3% from the prior quarter. For the full fiscal 2025 it was $2.13, up 4.4% from fiscal 2024. Compound annual growth was +10.9% over 5 years and +8.2% over 10 years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$93.63M$87.44M$83.06M$108.14M$95.86M$85.63M$71.03M$61.69M$46.33M$40.21M
Interest expense--$58.68M$14.78M$11.73M$20.26M$24.63M$16.52M$10.83M$8.41M
Pre-tax income$27.89M$24.41M$20.43M$44.35M$9.91M$17.34M$20.96M$17.24M$12.45M$11.49M
Income tax$4.98M$4.15M$3.75M$8.64M$1.91M$3.45M$4.12M$3.63M$4.25M$3.61M
Net income$22.90M$20.25M$16.68M$35.71M$8.00M$13.89M$16.84M$13.61M$8.20M$7.88M
EPS, basic$2.22$2.06$1.69$3.54$0.77$1.27$1.68$1.41$0.96$1.11
EPS, diluted$2.13$2.04$1.69$3.50$0.76$1.27$1.66$1.39$0.96$1.10
Diluted shares10.8M9.9M9.8M10.2M10.5M10.9M10.0M9.7M8.5M7.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents-----$35.37M$44.70M$17.14M$30.42M$29.45M
Goodwill$40.09M$40.09M$40.10M$40.10M$40.10M$28.10M$26.10M---
Total assets$2.83B$2.72B$2.82B$2.75B$2.51B$2.32B$2.15B$1.79B$1.62B$1.16B
Total debt$9.79M$9.79M$9.79M$9.79M$9.79M-----
Total liabilities$2.53B$2.48B$2.59B$2.54B$2.27B$2.08B$1.91B$1.60B$1.45B$1.05B
Shareholders' equity$301.07M$241.30M$226.77M$215.78M$242.60M$243.28M$241.98M$182.26M$172.73M$112.76M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$18.22M$15.93M$26.25M$42.75M$33.48M$17.75M$18.57M$16.41M$9.46M$37.30M
Capital expenditures-------$4.94M$2.08M$3.96M
Free cash flow-------$11.48M$7.38M$33.34M
Investing cash flow-$83.91M$90.06M-$73.49M-$350.99M$53.40M-$148.14M-$103.06M-$182.40M-$98.35M-$151.97M
Financing cash flow$79.27M-$110.08M$38.99M$251.46M-$25.21M$121.07M$112.05M$152.71M$89.86M$123.14M
Dividends paid$4.23M$3.97M$3.84M$3.55M$3.09M$2.69M$2.17M$1.47M$722.0K$278.0K
Share repurchases$2.29M$305.0K$3.03M$10.54M$6.92M$11.11M$8.33M$3.37M$506.0K$3.47M
Stock-based compensation$1.98M$1.96M$1.99M$2.11M$1.74M$1.64M$1.43M$1.07M$786.0K$609.0K
Depreciation and amortization$2.79M$3.10M$3.78M$4.43M$4.99M$4.57M$3.46M$2.55M$1.86M$1.49M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY7.1%5.3%-23.2%12.8%11.9%20.5%15.2%33.1%15.2%1.0%
Net income growth, YoY13.1%21.4%-53.3%346.4%-42.4%-17.5%23.8%65.9%4.1%11.4%
EPS growth, YoY4.4%20.7%-51.7%360.5%-40.2%-23.5%19.4%44.8%-12.7%13.4%
Net margin24.5%23.2%20.1%33.0%8.3%16.2%23.7%22.1%17.7%19.6%
Free cash flow margin-------18.6%15.9%82.9%
Return on equity7.6%8.4%7.4%16.5%3.3%5.7%7.0%7.5%4.7%7.0%
Return on assets0.8%0.7%0.6%1.3%0.3%0.6%0.8%0.8%0.5%0.7%
Debt to equity0.030.040.040.050.04-----

Source: XBRL data Investar Holding Corporation files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ISTR peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ISTR$135.86M+50.8%$39.09M28.8%$387.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

ISTR FAQ

6 questions
  • What is ISTR revenue?
    Investar Holding Corporation (ISTR) reported $135.86M of revenue for the twelve months ended Sep 30, 2026. That is up 50.8% from the year before. Revenue for fiscal 2025 was $93.63M.
  • Is ISTR profitable?
    Yes. Investar Holding Corporation earned $39.09M in net income for the twelve months ended Sep 30, 2026, a net margin of 28.8%.
  • How fast is ISTR revenue growing?
    Investar Holding Corporation's revenue changed +7.1% in fiscal 2025, to $93.63M. Its compound annual growth rate was +1.8% over 5 years and +8.9% over 10 years.
  • What is ISTR earnings per share?
    Diluted earnings per share were $2.62 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ISTR last report financial results?
    The latest statements here come from Investar Holding Corporation's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this ISTR financial data come from?
    Quantisnow builds these statements from the structured XBRL data Investar Holding Corporation files with the SEC. It is provided for information only and is not investment advice.