Investar Holding Corp. (ISTR)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$31.10+1.27%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · ISTR
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 67% of the last 3 guided quarters · 4.3% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to integrate and leverage the Wichita Falls Bancshares acquisition to grow loans, deposits, and earnings.
Stated as a priority in 2 of last 2 quarters. The acquisition closed on January 1, 2026, driving total loans up by $891.8 million (41.0%) and deposits by $882.6 million (37.6%) at 2026-Q1 compared to 2025-Q4. The operational conversion completed in May 2026 supports ongoing integration. The trajectory is delivering significant growth aligned with management's stated strategy.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We completed the operational conversion of WFB onto our core system in May.”
“On January 1, 2026, Investar closed its acquisition of Wichita Falls Bancshares, Inc.”
Focus on improving net interest margin through funding cost reduction and loan portfolio remix to enhance earnings quality.
Stated in 2 of last 2 quarters. Net interest margin improved from 3.59% in 2026-Q1 to 3.67% in 2026-Q2, reflecting management's focus on funding cost reduction and loan portfolio remix. However, operating income declined from $14.9 million to $11.6 million over the same period, indicating mixed earnings impact. The trajectory shows progress on margin but limited earnings growth in the latest quarter.
“Net interest margin improved eight basis points to 3.67% for the quarter ended June 30, 2026.”
“Net interest margin improved 39 basis points to 3.59% for the quarter ended March 31, 2026.”
Grow the business lending portfolio by originating more commercial and industrial loans to enhance yield and earnings.
Stated in 2 of last 2 quarters. The business lending portfolio grew from $1.17 billion in 2026-Q1 to $1.21 billion in 2026-Q2, a 3.8% increase, supported by hiring eight commercial bankers. This growth aligns with management's stated goal to increase higher yielding commercial loans. The trajectory is delivering steady portfolio expansion.
“The business lending portfolio increased by $43.8 million, or 3.8%, to $1.21 billion at June 30, 2026.”
“The business lending portfolio was $1.17 billion at March 31, 2026, up $112.3 million, or 10.6%, from prior quarter.”
Sustain and grow quarterly dividends to enhance shareholder returns.
Stated in 2 of last 2 quarters. The quarterly dividend per share increased from $0.11 in 2026-Q1 to $0.12 in 2026-Q2, a 9% rise, reflecting management's commitment to enhancing shareholder returns. The trajectory is delivering consistent dividend growth.
“Increased quarterly common stock dividends declared by 9% to $0.12 per common share.”
“Quarterly common stock dividends declared were $0.11 per common share.”
Continue repurchasing shares to return capital and support shareholder value.
Stated in 2 of last 2 quarters. Management repurchased 53,420 shares in 2026-Q1 and 27,235 shares in 2026-Q2, demonstrating ongoing capital return via stock buybacks. The trajectory shows continued but reduced repurchase activity in the latest quarter.
“Repurchased 27,235 shares at an average price of $27.68 during the quarter.”
“Repurchased 53,420 shares at an average price of $28.63 during the quarter.”
Over the trailing year it converted 0.85x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
13 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.