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Upturn AI SWOT - About
ISTR 
Investar Holding Corp (ISTR)
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Upturn Advisory Summary
04/01/2025: ISTR (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 73.51% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 175.39M USD | Price to earnings Ratio 8.76 | 1Y Target Price 22.75 |
Price to earnings Ratio 8.76 | 1Y Target Price 22.75 | ||
Volume (30-day avg) 32301 | Beta 0.82 | 52 Weeks Range 14.27 - 24.54 | Updated Date 04/1/2025 |
52 Weeks Range 14.27 - 24.54 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.35% | Basic EPS (TTM) 2.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.46% | Operating Margin (TTM) 32.03% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 8.65% |
Valuation
Trailing PE 8.76 | Forward PE 9.84 | Enterprise Value 248228400 | Price to Sales(TTM) 2.03 |
Enterprise Value 248228400 | Price to Sales(TTM) 2.03 | ||
Enterprise Value to Revenue 3.22 | Enterprise Value to EBITDA - | Shares Outstanding 9825630 | Shares Floating 8746680 |
Shares Outstanding 9825630 | Shares Floating 8746680 | ||
Percent Insiders 7.47 | Percent Institutions 65.7 |
Analyst Ratings
Rating 5 | Target Price 25.25 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Investar Holding Corp
Company Overview
History and Background
Investar Holding Corp., founded in 2006, is a bank holding company headquartered in Baton Rouge, Louisiana. It primarily operates through its subsidiary, Investar Bank, focusing on community banking services. It has expanded through acquisitions and organic growth, aiming to provide personalized banking solutions.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Offers checking accounts, savings accounts, mortgages, and other personal banking services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and businesses.
Leadership and Structure
Investar Holding Corp. is led by a board of directors and executive management team. The CEO is typically responsible for overall strategic direction, while other executives oversee specific business lines and functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available. Competitors include large national banks and other regional banks.
- Mortgages: Residential mortgage loans for home purchases and refinances. Market share data is not publicly available. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking accounts, savings accounts, and certificates of deposit for individuals and businesses. Market share data is not publicly available. Competitors include national and regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory pressures, and technological disruptions. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Investar Holding Corp. is positioned as a community bank focusing on personalized service and local market knowledge. Its competitive advantage lies in its relationships with local businesses and individuals.
Total Addressable Market (TAM)
The TAM for banking services in Investar's operating region is estimated to be in the billions of dollars. Investar captures a small but meaningful portion of this TAM due to its regional focus.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Smaller size compared to national banks
- Limited geographic footprint
- Reliance on local economy
- Higher operating costs due to localized presence.
Opportunities
- Expansion into new markets
- Increased demand for community banking services
- Technological advancements
- Acquisition of smaller banks
Threats
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BKCC
- OZK
- BOKF
Competitive Landscape
Investar Holding Corp. faces competition from larger national banks and smaller community banks. It differentiates itself through personalized service and local market expertise.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Investar's historical growth is driven by organic loan growth and strategic acquisitions.
Future Projections: Analyst estimates regarding Investar Holding Corp.'s future growth are influenced by factors such as loan demand, interest rates, and economic conditions.
Recent Initiatives: Recent strategic initiatives might include expanding into new markets, investing in technology, or acquiring smaller banks.
Summary
Investar Holding Corp. is a regional bank with a solid foundation in Louisiana. Its strengths lie in its customer relationships, but its smaller size presents challenges against larger competitors. Focusing on technology and strategic expansion will be vital for future growth, while economic downturns and regulatory changes represent significant risks.
Similar Companies
- BKCC
- OZK
- BOKF
- FFBC
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Company Website, Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated. Please consult a financial professional for investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Investar Holding Corp
Exchange NASDAQ | Headquaters Baton Rouge, LA, United States | ||
IPO Launch date 2014-07-01 | President, CEO & Director Mr. John Joseph D'Angelo | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 327 | Website https://www.investarbank.com |
Full time employees 327 | Website https://www.investarbank.com | ||
Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals, professionals, and small to medium-sized businesses in south Louisiana, southeast Texas, and Alabama in the United States. The company offers various deposit products and services, such as savings, checking, money market, and individual retirement accounts, as well as various certificates of deposit; debit and credit cards; internet, mobile, and video banking services; and reciprocal deposit products. It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; construction and development loans comprising loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate loans, such as second mortgage loans; and consumer loans, such as secured or unsecured, installment or term loans, home equity loans, home equity lines of credit, business purpose loans, and auto loans, as well as loans for personal, family, and household purposes. In addition, the company offers treasury management products, including remote deposit capture, lockbox payment processing, virtual vaults, positive pay, automated clearing house origination, credit card processing, wire transfer, investment sweep accounts, and business internet banking services. Further, it provides various other banking services, such as cashiers' checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, ATMs with deposit automation, electronic statements, interactive teller machines, online account opening, and mobile wallet payment services. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
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