ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Investar Holding Corp. ?
1
High Profitability with a Net Interest Margin of 0.67%
2
With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26
- NII(Q) Highest at USD 32.66 MM
- OPERATING CASH FLOW(Y) Highest at USD 24.39 MM
- ROCE(HY) Highest at 0.87%
3
With ROA of 0.46%, it has a fair valuation with a 1.22 Price to Book Value
- Over the past year, while the stock has generated a return of 63.42%, its profits have risen by 17% ; the PEG ratio of the company is 0.9
4
Consistent Returns over the last 3 years
- Along with generating 63.42% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Investar Holding Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Investar Holding Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Investar Holding Corp.
63.42%
3.57
26.71%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.96%
EBIT Growth (5y)
6.45%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
21.46%
Pledged Shares
0
Institutional Holding
53.74%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.22
EV to EBIT
17.26
EV to EBITDA
15.58
EV to Capital Employed
1.18
EV to Sales
3.11
PEG Ratio
0.91
Dividend Yield
1.16%
ROCE (Latest)
6.83%
ROE (Latest)
7.85%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend29What is working for the Company
NII(Q)
Highest at USD 32.66 MM
OPERATING CASH FLOW(Y)
Highest at USD 24.39 MM
ROCE(HY)
Highest at 0.87%
NET SALES(Q)
Highest at USD 53.2 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 16.64 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.27 %
PRE-TAX PROFIT(Q)
Highest at USD 16.64 MM
NET PROFIT(Q)
Highest at USD 13.42 MM
EPS(Q)
Highest at USD 0.74
-5What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 0.87%
Here's what is working for Investar Holding Corp.
NII
Highest at USD 32.66 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 53.2 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
At USD 53.2 MM has Grown at 47.77%
over average net sales of the previous four periods of USD 36 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 16.64 MM has Grown at 131.37%
over average net sales of the previous four periods of USD 7.19 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 13.42 MM has Grown at 127.18%
over average net sales of the previous four periods of USD 5.91 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 24.39 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 16.64 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.27 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 16.64 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 13.42 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.74
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 1.34 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 1.34 MM has Grown at 98.23%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
CASA
Highest at 12.93%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Investar Holding Corp.
Non Performing Loans (%)
Highest at 0.66% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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