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ISISTR

Investar Holding Corporation

$ISTR·$323M·Banks - Regional·Financial Services
$30.14-0.1%YTD+12.4%1Y+38.2%
Mentions · last 7 days
2026-07-21: 3 posts2026-07-22: 0 posts2026-07-23: 0 posts2026-07-24: 0 posts2026-07-25: 0 posts2026-07-26: 0 posts2026-07-27: 1 posts40%
Price updated 9m ago·X counts updated 23h ago
ISISTR
$ISTRInvestar Holding Corporation
$30.14-0.07%4 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $ISTR, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-27

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

Small Louisiana community bank +37% YoY on Q2 beat — auditor dismissal is the wrinkle.

Investar Holding is a $320M Louisiana-based community bank at $30.25, +11% YTD and +37% over the year, sitting at 82% of the 52-week range with beta 0.46 (defensive).

The operating turn is real:

  • Q2 revenue $56.3M, +48.2% YoY; prior quarter $53.2M, +46.0% YoY — extreme reacceleration for a community bank.
  • Op margin 21.0-18.5%; EPS $0.64 and $0.84.
  • Gross margin 60%, ROIC 4.6%, ROE 9.4%, D/E 0.47.
  • PE 12.3, P/S 1.90 — reasonable for a bank with reacceleration.
  • FCF yield 6.8%.

The concrete corporate items:

  • 7/20: Q2 2026 results reported (press release + investor presentation).
  • 'Beats Q2 Earnings and Revenue Estimates' framing confirms the beat.
  • AlTi Global made a new $2.37M investment.

The wrinkle worth watching:

  • 6/22: Investar dismissed BDO USA as its independent registered public accounting firm following audit-committee action. Auditor changes at small banks are worth paying attention to — sometimes routine, sometimes not. Read the specific 8-K for detail.

No X sentiment posts in the bundle. The setup: small community bank with real Q2 beat + auditor-change wrinkle. Watch the auditor-change filings for detail on the reasons before treating as pure positive.

What to watch: Auditor-change 8-K details (reasons), next quarterly print, and new-auditor selection.

earnings beatauditor change watchmicrocap bank

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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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

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.3%YTD
+22.0%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.0.7×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.82%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.+2.5%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.+9.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 9.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.8% 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$55KBuyMar 12Jordan Robert ChrisDirector1.6K sh$42K
+ 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
+ 17 other (7 13Gs · 3 earnings 8-Ks · 2 proxys · 1 11-K) in window

Recent news

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

AlTi Global Inc. Makes New $2.37 Million Investment in Investar Holding Corporation $ISTRdefenseworld.net·8d agoInvestar (ISTR) Q2 Earnings: Taking a Look at Key Metrics Versus Estimateszacks.com·8d agoInvestar (ISTR) Beats Q2 Earnings and Revenue Estimateszacks.com·8d agoInvestar Holding Corporation Announces 2026 Second Quarter Resultsprnewswire.com·9d agoInvestar Holding Corporation Declares Quarterly Common and Preferred Stock Cash Dividendsprnewswire.com·41d 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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