Investar Holding Corp. (ISTR) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First National Corp. (Virginia)

Summit State Bank (California)

LINKBANCORP, Inc.

Meridian Corp. (Pennsylvania)

FinWise Bancorp

First Savings Financial Group, Inc.

Investar Holding Corp.

First United Corp.

CB Financial Services, Inc.

First Financial Northwest, Inc.

BankFinancial Corp.

Why is Investar Holding Corp. ?

High Profitability with a Net Interest Margin of 0.67%

Positive results in Dec 25

NII(Q) Highest at USD 21.63 MM
ROCE(HY) Highest at 0.82%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.57%, it has a expensive valuation with a 1.23 Price to Book Value

Over the past year, while the stock has generated a return of 54.91%, its profits have risen by 17% ; the PEG ratio of the company is 0.9

Reducing Promoter Confidence

Promoters have decreased their stake in the company by -1.11% over the previous quarter and currently hold 3.78% of the company
Promoters decreasing their stake may signify reduced confidence in the future of the business

Market Beating performance in long term as well as near term

Along with generating 54.91% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How 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.

54.91%

2.42

30.40%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.96%

EBIT Growth (5y)

6.45%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

20.42%

Pledged Shares

Institutional Holding

71.86%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.23

EV to EBIT

17.84

EV to EBITDA

16.11

EV to Capital Employed

1.17

EV to Sales

3.22

PEG Ratio

0.91

Dividend Yield

1.16%

ROCE (Latest)

6.57%

ROE (Latest)

7.85%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

NII(Q)

Highest at USD 21.63 MM

ROCE(HY)

Highest at 0.82%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 37.13 MM

PRE-TAX PROFIT(Q)

Highest at USD 7.72 MM

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 15.19 MM

ROCE(HY)

Lowest at 0.82%

GROSS NPA (%)

Here's what is working for Investar Holding Corp.

NII

Highest at USD 21.63 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 37.13 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 7.72 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 12.85%

in the last five periods

MOJO 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 15.19 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 0.43%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)