Investar Bank/$ISTR

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About Investar Bank

Investar Holding Corp is a U.S.-based financial holding company. Through its subsidiaries, it offers a variety of commercial and retail lending products throughout its market areas, including business loans to small to medium-sized businesses, as well as loans to individuals. It has business operations spread across the United States and serves its customers through several service branches. The bank also offers cashier's checks, direct deposit of payroll and Social Security checks, night depository, bank-by-mail, automated teller machines with deposit automation, and debit cards.
Ticker
$ISTR
Sector
Finance
Primary listing
NASDAQ
Employees
421
Headquarters
Baton Rouge, United States
Website
www.investarbank.com

Investar Bank Metrics

BasicAdvanced
$412M
12.10
$2.47
0.46
$0.45
1.61%

Bulls say / Bears say

The net interest margin rose to 3.67% in the second quarter from 3.59% in the first and 3.03% a year earlier; adjusted NIM also improved to 3.39%. Lower funding costs and the replacement of expensive brokered time deposits with cheaper non-maturing deposits suggest the improvement is partly operational rather than purely rate-driven. (Investar Holding Corporation)
The Wichita Falls Bancshares acquisition added about $1.15 billion of assets, $950 million of net loans and $1.02 billion of deposits, creating a larger Texas and Louisiana platform. Investar also hired eight commercial bankers, and its business lending portfolio grew 3.8% sequentially to $1.21 billion, supporting a route to higher-yielding organic growth. (Investar Holding Corporation, Investar Holding Corporation)
The bank is returning capital while retaining a strong cushion: it raised the quarterly common dividend by 9% to $0.12, repurchased 27,235 shares at an average $27.68 and reported a 14.99% regulatory total capital ratio. The dividend was maintained again in September, reinforcing the case for continuing shareholder distributions. (Investar Holding Corporation, TradingView)
Second-quarter common earnings fell to $0.61 per diluted share from $0.77 in the first quarter, while core EPS dropped to $0.75 from $0.87 and core return on assets fell to 1.21% from 1.41%. That points to earnings volatility even as the bank expands. (Investar Holding Corporation)
Credit quality improved slightly from the first quarter but remained weaker year on year: non-performing loans rose to $19.4 million, or 0.63% of loans, from $7.5 million, or 0.36%, a year earlier. The quarter also required a $0.3 million provision after a $2.1 million reversal in the first quarter, so future losses could pressure earnings. (Investar Holding Corporation)
The Wichita Falls deal increased scale but also brought execution and dilution risks: Investar issued 3.96 million shares and recorded $18.2 million of goodwill, while total loans still fell 0.3% sequentially. Excluding acquired loans, growth was better at 2.6%, but the bank must replace run-off consumer mortgages with commercial lending to make the expansion earn its keep. (Investar Holding Corporation, Investar Holding Corporation)
Data summarised monthly by Lightyear AI. Last updated on 20 Sept 2026.

Funds containing Investar Bank

Funds
Fund name
Fund size
$ISTR weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.01%
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