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ISTR:NASDAQInvestar Holding Corporation Analysis

Data as of 2026-05-25 - not real-time

$28.56

Latest Price

6/10Risk

Risk Level: Medium

Executive Summary

Investar Holding shows a clear bullish technical setup – the 20‑day SMA (28.05) sits above the 50‑day (27.82) and 200‑day (25.94) averages, MACD is bullish, and price is trading above the key support of $27.31 while still below the $29 resistance. RSI at 56.7 indicates room for upside, though volume is trending down and 30‑day volatility is high at ~27%, reflected in the "Extreme Greed" market sentiment.
Fundamentally, the bank is delivering rapid top‑line growth (57.6% YoY revenue increase) and strong profitability (44% operating margin, 26.7% net margin). The stock trades at a PE of 12.6 versus an industry average of 16.8 and a forward PE of 8.8, while the DCF‑derived fair value of $34.23 suggests roughly 15% upside from the current $28.56 price. With a dividend yield of 1.54% and a modest 19% payout, dividend sustainability looks solid, and the balance sheet shows $90.9 M cash offsetting $209 M debt. Overall, the combination of technical momentum, attractive valuation, and strong earnings growth supports a positive outlook.

Market Outlook

Short Term

< 1 year
Positive
Model confidence: 7/10

Key Factors

  • Bullish SMA crossover and MACD alignment
  • Current price below DCF fair value with ~15% upside
  • Strong operating margins supporting near‑term earnings

Medium Term

1–3 years
Positive
Model confidence: 8/10

Key Factors

  • Sustained revenue growth of 57.6% YoY
  • Forward PE compression to 8.8 indicating earnings acceleration
  • Dividend yield of 1.54% with low payout ratio

Long Term

> 3 years
Positive
Model confidence: 9/10

Key Factors

  • Undervalued relative to peers and DCF estimate
  • High ROE (8.6%) and consistent cash flow generation
  • Stable regional market position with limited geographic concentration

Key Metrics & Analysis

Financial Health

Revenue Growth57.60%
Profit Margin26.73%
P/E Ratio12.6
ROE8.59%
ROA0.87%
P/B Ratio1.0
Op. Cash Flow$23.7M
Industry P/E16.8

Technical Analysis

TrendBullish
RSI56.7
Support$27.31
Resistance$29.00
MA 20$28.05
MA 50$27.82
MA 200$25.94
MACDBullish
VolumeDecreasing
Fear & Greed Index91.8

Valuation

Fair Value$34.23
Target Price$33.00
Upside/Downside15.55%
GradeUndervalued
TypeBlend
Dividend Yield1.54%

Risk Assessment

Beta0.96
Volatility26.96%
Sector RiskMedium
Reg. RiskMedium
Geo RiskMedium
Currency RiskLow
Liquidity RiskMedium

This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.