Investar Holding Corporation
Investar Holding Corporation Fundamental Analysis
Investar Holding Corporation (ISTR) shows moderate financial fundamentals with a PE ratio of 13.67, profit margin of 16.82%, and ROE of 9.04%. The company generates $0.1B in annual revenue with weak year-over-year growth of -1.94%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 37.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ISTR's fundamental strength across five key dimensions:
Efficiency Score
WeakISTR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentISTR trades at attractive valuation levels.
Growth Score
WeakISTR faces weak or negative growth trends.
Financial Health Score
ModerateISTR shows balanced financial health with some risks.
Profitability Score
ModerateISTR maintains healthy but balanced margins.
Key Financial Metrics
Is ISTR Expensive or Cheap?
P/E Ratio
ISTR trades at 13.67 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ISTR's PEG of 1.52 indicates fair valuation.
Price to Book
The market values Investar Holding Corporation at 0.94 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.84 times EBITDA. This is generally considered low.
How Well Does ISTR Make Money?
Net Profit Margin
For every $100 in sales, Investar Holding Corporation keeps $16.82 as profit after all expenses.
Operating Margin
Core operations generate 17.57 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.04 in profit for every $100 of shareholder equity.
ROA
Investar Holding Corporation generates $0.74 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Investar Holding Corporation produces operating cash flow of $14.39M, showing steady but balanced cash generation.
Free Cash Flow
Investar Holding Corporation produces free cash flow of $13.30M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.23 in free cash annually.
FCF Yield
ISTR converts 5.45% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.67
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.52
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.94
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.82
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.47
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.17
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How ISTR Stacks Against Its Sector Peers
| Metric | ISTR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.67 | 18.99 | Better (Cheaper) |
| ROE | 9.04% | 821.00% | Weak |
| Net Margin | 16.82% | 1914.00% | Weak |
| Debt/Equity | 0.47 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.17 | 657.31 | Weak Liquidity |
| ROA | 0.74% | -25084.00% (disorted) | Weak |
ISTR outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Investar Holding Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
59.84%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
81.92%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
17.06%
Industry Style: Value, Dividend, Cyclical
High Growth