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Investar Holding Corp

ISTR

$30.05 ▼ -0.06 (-0.20%) at close

15 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Investar Holding Corp shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $295.4M

Dividend Yield 1.45%

Revenue Growth 7.1% ↗

Op. Margin 29.8% ↗

ROIC None

FCF / Share None

Trailing P/E 13.5x

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.03

info Valuation on last close. End-of-day price, Aug 7, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$93.63M

↑ +7.1% —

Net Income Profit after all expenses

$22.90M

↑ +13.1% —

Operating Margin Operating profit as % of sales

29.8%

↑ +6.7% 86th

Long-Term Debt Long-term obligations

$9.79M

— 0.0% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.43 Latest / share

+6.1% YoY

+24.2% 12-yr CAGR

$0.04

FY 2014

$0.03

FY 2015

$0.04

FY 2016

$0.10

FY 2017

$0.17

FY 2018

$0.23

FY 2019

$0.25

FY 2020

$0.31

FY 2021

$0.36

FY 2022

$0.40

FY 2023

$0.41

FY 2024

$0.43

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Revenue Growth YoY (%)	7.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	-21.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-451%)	44.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+636%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-134%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	15.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+153%)	33.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+452%)	15.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+154%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	22.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+271%)	33.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+460%)	55.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+825%)	—	—
EPS Growth YoY (%)	7.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	21.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-52.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	359.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-24.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	46.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-13.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	14.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	8.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	13.1% Fair ↓ Fair Declining Year-over-year change in net income	21.4% Good ↓ Good Declining Year-over-year change in net income	-53.3% Weak ↓ Weak Declining Year-over-year change in net income	346.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-42.4% Weak ↓ Weak Declining Year-over-year change in net income	-17.5% Weak ↓ Weak Declining Year-over-year change in net income	23.8% Good ↓ Good Declining Year-over-year change in net income	65.9% Excellent ↑ Excellent Improving Year-over-year change in net income	4.1% Caution ↓ Caution Declining Year-over-year change in net income	11.4% Fair ↓ Fair Declining Year-over-year change in net income	31.1% Excellent ↓ Excellent Declining Year-over-year change in net income	70.4% Excellent Excellent Year-over-year change in net income	34.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-3.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	3.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	14.0% Good → Good Stable Compound annual revenue growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	17.1% Excellent → Excellent Stable Compound annual revenue growth over 3 years	20.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	12.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.2% Excellent Excellent Compound annual revenue growth over 3 years	36.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	4.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	17.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	13.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.4% Excellent Excellent Compound annual revenue growth over 5 years	24.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-14.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	38.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	28.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-18.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.8% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	14.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	12.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.9% Fair Fair Compound annual EPS growth over 3 years	7.4% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Operating Margin (%) (%)	29.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	27.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	24.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	42.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	13.6% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	23.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	29.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	27.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	26.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	28.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	26.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	20.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	—	—	—
Effective Tax Rate (%) (%)	17.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	24.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	23.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	20.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	33.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	11.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	18.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	23.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	22.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	17.7% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	19.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	17.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	16.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	13.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	15.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	8.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	16.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+38%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	7.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	6.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	5.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	5.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Debt to Equity (x)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.04x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Revenue per Share (USD)	$9.53	$8.91	$8.44	$10.43	$7.01	$6.86	$7.15	$6.47	$5.52	$5.66	$5.52	$5.88	$6.64	$5.23	—
Basic EPS, GAAP (USD)	$2.22	$2.06	$1.69	$3.54	$0.77	$1.27	$1.68	$1.41	$0.96	$1.11	$0.98	$0.98	$0.86	$0.79	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.43	$0.41	$0.40	$0.36	$0.31	$0.25	$0.23	$0.17	$0.10	$0.04	$0.03	$0.04	$0.05	$0.05	—
Book Value per Share (USD)	$30.73	$24.55	$23.26	$21.79	$23.45	$22.93	$21.55	$19.22	$18.15	$15.88	$15.05	$14.24	$14.06	$13.56	$12.82
Tangible Book Value per Share (USD)	$26.63	$20.47	$19.15	$17.74	$19.58	$20.28	$19.23	$19.22	$18.15	$15.88	$15.05	$14.24	$13.38	$13.56	$12.82
Basic Weighted Avg Shares (shares)	9.83M	9.81M	9.84M	10.09M	10.42M	10.85M	9.93M	9.54M	8.40M	7.11M	7.21M	5.53M	3.67M	3.00M	—
Dividend Payout Ratio (%)	19.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.4% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	10.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	13.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	3.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	4.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	5.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	6.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$9.79M	$9.79M	$9.79M	$9.79M	$9.79M	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$301.07M	$241.30M	$226.77M	$215.78M	$242.60M	$243.28M	$241.98M	$182.26M	$172.73M	$112.76M	$109.35M	$103.38M	$55.48M	$43.55M	$35.17M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Sales/Revenue/Turnover (USD)	$93.63M	$87.44M	$83.06M	$105.21M	$72.97M	$74.47M	$71.03M	$61.69M	$46.33M	$40.21M	$39.80M	$32.55M	$24.37M	$15.67M	—
Net Income, GAAP (USD)	$22.90M	$20.25M	$16.68M	$35.71M	$8.00M	$13.89M	$16.84M	$13.61M	$8.20M	$7.88M	$7.07M	$5.40M	$3.17M	$2.36M	—
Operating Cash Flow (USD)	$18.22M	$15.93M	$26.25M	$42.75M	$33.48M	$17.75M	$18.57M	$16.41M	$9.46M	$37.30M	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Jan 1, 2012 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.6%	2.6%	3.3%	3.3%	3.2%	3.0%	3.2%	2.6%	—	3.0%	3.0%	3.0%	—	—
Efficiency Ratio (%) (%)	72.9%	75.1%	77.3%	56.3%	65.8%	66.7%	67.8%	67.9%	69.8%	66.3%	68.7%	74.9%	78.1%	74.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 15 years · 55 quarters

Investar Holding Corp

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