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ISISTR

Investar Holding Corporation

$ISTR·$428M·Banks - Regional·Financial Services
$30.67+0.6%YTD+14.3%1Y+34.0%
Price updated 4h ago·X counts updated 1d ago
ISISTR
$ISTRInvestar Holding Corporation
$30.67+0.56%1 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $ISTR on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

1X posts · last 7 days
Aug 27Sep 9

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $ISTR — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-09-09

The move is getting stronger, with heavier trading behind it.

South Louisiana community bank up 35% over twelve months at 89% of range with Q2 revenue +48% YoY and a Zacks Buy upgrade.

Investar Holding is a $428M market-cap community bank based in South Louisiana whose fundamentals have inflected clearly through 2026 — Q1 revenue $53.2M grew 46.0% YoY (Q2 was +48.2% YoY), operating margin 21.0%, EPS $0.84 in Q1 and $0.64 in Q2.

  • Q2 2026 EPS $0.75 versus $0.71 estimate (+6.1% surprise, fourth consecutive beat averaging +18%); analyst FY26 EPS $3.16 across 2 covering, ramping to $3.30 in 2027 — thin coverage on a small-cap regional. Efficiency ratio implied by 60% gross margin is respectable for a Louisiana community lender.
  • Positioning signals: Zacks upgraded to Buy in the window; Dimensional Fund Advisors raised its stake; AlTi Global made a fresh $2.37M investment. No insider transactions on file. On July 17 the bank subsidiary entered new Employment Agreements and Salary Continuation Agreements — governance formalization at the operating level.

Stock +14.2% YTD, +35.3% over twelve months, 89th percentile of 52-week range. Beta 0.46 (defensive). Next earnings October 19.

What to watch: Whether the October 19 Q3 print sustains 40%+ revenue growth and whether AlTi Global's $2.37M initial position grows into a more strategic stake.

On the calendar: 2026-10-19 — Q3 2026 earnings, consensus EPS $0.76.

thin analyst coverageno x sentiment data

Read the AI verdict on $ISTR

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Louisiana community bank holding company serving small businesses and individuals in South Louisiana with deposit and lending products.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $ISTR.

Banks - Regional · Financial Services

Regional banks have stabilised after 2023 deposit-crisis concerns; NIM recovery is underway as funding costs peak and loan repricing continues. AI-powered commercial-lending underwriting and digital-banking features are differentiators for mid-size regional banks.

What this means for $ISTR

Neutral — limited data.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+13.7%YTD
+13.7%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
12.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
17.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
6.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
9.4%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
60.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 20, 2026$0.75$0.71+6.1%
Q1 2026Apr 20, 2026$0.87$0.69+26.1%
Q4 2025Jan 22, 2026$0.58$0.54+7.4%
Q3 2025Oct 20, 2025$0.54$0.48+12.5%
Next earningsMon, Oct 19·consensus EPS $0.76

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$56.3M+48.2%64.4%21.0%$0.64—
Q1 FY26$53.2M+46.0%61.4%18.5%$0.84$9.3M
Q4 FY25$39.0M-4.2%60.2%18.5%$0.55$3.2M
Q3 FY25$40.1M+2.1%59.9%18.6%$0.57$6.4M

Forward consensus

2-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$147.5M$147.3M – $147.7M$3.16$3.14 – $3.182
FY27$154.8M$153.9M – $155.6M$3.30$3.11 – $3.482

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.2×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.89%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+2.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+7.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 11.7M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.465-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyApr 23Jordan Robert ChrisDirector2.0K sh$55K
+ 11 other (6 inkinds · 5 awards) in window

See when $ISTR insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeJul 208-K — Item 2.02: Earnings release · Item 5.02: Officer or director change
AI summary

Investar Holding Corporation (parent of Investar Bank) reported Q2 2026 results on July 20, 2026 (press release and investor presentation as Exhibits 99.1 and 99.2) and disclosed that on July 17, 2026 its bank subsidiary entered into Employment Agreements and Salary Continuation Agreements with Linda M. Crochet (EVP, Chief Operations Officer) and Jeffrey W. Martin (EVP, Chief Risk Officer). Financial terms of the agreements are not disclosed in the excerpt. This is a combined earnings and executive retention filing; the salary continuation agreements signal management stability efforts at the bank level alongside the Q2 earnings release.

8-KMaterial eventJun 228-K — Item 4.01
AI summary

Investar Holding Corporation dismissed BDO USA, P.C. as its independent registered public accounting firm on June 17, 2026, following audit committee approval. BDO had only become the auditor in November 2025 after HORNE LLP (the prior auditor) merged its partners into BDO; prior audits for fiscal years 2025 and 2024 were clean with no disagreements or reportable events. The replacement auditor is not named in the excerpt. This is an administrative auditor change driven by the prior firm's own merger rather than any disagreement with Investar's financials.

8-KOfficer or director changeMay 228-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
+ 19 other (7 13Gs · 3 earnings 8-Ks · 2 10-Qs · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Investar (ISTR) Upgraded to Buy: Here's What You Should Knowzacks.com·8d agoDimensional Fund Advisors LP Raises Stake in Investar Holding Corporation $ISTRdefenseworld.net·33d agoAlTi Global Inc. Makes New $2.37 Million Investment in Investar Holding Corporation $ISTRdefenseworld.net·52d agoInvestar (ISTR) Q2 Earnings: Taking a Look at Key Metrics Versus Estimateszacks.com·53d agoInvestar (ISTR) Beats Q2 Earnings and Revenue Estimateszacks.com·53d ago

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Voices on X · last 7 days

No standout posts about $ISTR on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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