ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Investar Holding Corp. ?
1
High Profitability with a Net Interest Margin of 3.16%
2
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 13.48 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 90.09%
3
With ROA of 0.54%, it has a attractive valuation with a 0.76 Price to Book Value
- Over the past year, while the stock has generated a return of 1.93%, its profits have risen by 24% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 74.98%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Underperformed the market in the last 1 year
- The stock has generated a return of 1.93% in the last 1 year, much lower than market (S&P 500) returns of 12.33%
Real-Time Research ReportHow much should you hold?
- 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.
10.81%
1.94
32.24%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.67%
EBIT Growth (5y)
10.17%
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
20.12%
Pledged Shares
0
Institutional Holding
74.98%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.76
EV to EBIT
9.80
EV to EBITDA
8.66
EV to Capital Employed
0.79
EV to Sales
1.58
PEG Ratio
0.38
Dividend Yield
2.14%
ROCE (Latest)
8.02%
ROE (Latest)
8.65%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NII(Q)
Highest at USD 19.64 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 13.48 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 90.09%
Here's what is working for Investar Holding Corp.
NII
Highest at USD 19.64 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 11.7%
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.
Operating Cash Flow
Lowest at USD 13.48 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 90.09%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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