NASDAQ · Financial Statements

Investar Holding Corporation (ISTR) Financial Statements

$28.04 NASDAQ: ISTR Market Cap $386.31M

Investar Holding Corporation most recently reported annual revenue of $153.0M, net profit of $23.0M. Revenue grew at an average annual rate of 7.6% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Investar Holding Corporation: Revenue rose from $47.0M in 2016 to $153.0M in 2025, a change of +225.5% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 24.3% to 18.1%, a shift of -6.1 percentage points; the most recent year shows net profit of $23.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$47.0M$57.0M$78.0M$96.0M$106.0M$108.0M$123.0M$141.0M$157.0M$153.0M
Operating Expenses$36.0M$45.0M$61.0M$75.0M$89.0M$98.0M$79.0M$121.0M$132.0M$126.0M
Operating Profit$11.0M$12.0M$17.0M$21.0M$17.0M$10.0M$44.0M$20.0M$24.0M$28.0M
Operating Margin24.3%21.8%22.1%21.9%16.4%9.2%36.0%14.5%15.6%18.1%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$8.0M$11.0M$17.0M$25.0M$20.0M$12.0M$15.0M$59.0M$74.0M$63.0M
Depreciation$1.0M$2.0M$3.0M$3.0M$5.0M$5.0M$4.0M$4.0M$3.0M$3.0M
Profit Before Tax$11.0M$12.0M$17.0M$21.0M$17.0M$10.0M$44.0M$20.0M$24.0M$28.0M
Tax$31.4M$34.1M$21.1M$19.6M$19.9M$19.3M$19.5M$18.4M$17.0M$17.9M
Net Profit$8.0M$8.0M$14.0M$17.0M$14.0M$8.0M$36.0M$17.0M$20.0M$23.0M
EPS$1.10$0.96$1.39$1.66$1.27$0.76$3.50$1.69$2.05$2.08
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$35.0M$38.0M$38.0M$39.0M$39.0M$41.0M$36.0M$38.0M$40.0M$39.0M$53.0M$56.0M
Operating Expenses$32.0M$34.0M$32.0M$34.0M$33.0M$33.0M$29.0M$33.0M$33.0M$32.0M$43.0M$44.0M
Operating Profit$3.0M$4.0M$6.0M$5.0M$6.0M$7.0M$8.0M$5.0M$7.0M$7.0M$10.0M$12.0M
Operating Margin9.6%11.3%16.0%12.7%15.7%17.9%21.2%14.3%18.6%18.5%18.5%21.0%
Interest$16.0M$18.0M$19.0M$19.0M$19.0M$18.0M$16.0M$16.0M$16.0M$15.0M$21.0M$20.0M
Profit Before Tax$3.0M$4.0M$6.0M$5.0M$6.0M$7.0M$8.0M$5.0M$7.0M$7.0M$15.0M$12.0M
Tax$17.4M$18.1M$22.7M$17.0M$12.7M$16.0M$18.4M$17.2M$17.3M$18.3M$19.4M$18.4M
Net Profit$3.0M$4.0M$5.0M$4.0M$5.0M$6.0M$6.0M$4.0M$6.0M$6.0M$12.0M$9.0M
EPS$0.28$0.36$0.48$0.41$0.54$0.61$0.63$0.45$0.49$0.51$0.77$0.61

Over the 10 years reported for Investar Holding Corporation, borrowings increased from $126.0M in 2016 to $153.0M in 2025, cash stood at $27.0M in the latest year, shareholders' equity was $10.0M, current assets covered current liabilities 0.31 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$1.2B$1.6B$1.8B$2.1B$2.3B$2.5B$2.8B$2.8B$2.7B$2.8B
Current Assets$196.0M$253.0M$272.0M$312.0M$317.0M$463.0M$458.0M$408.0M$49.0M$412.0M
Cash$29.0M$30.0M$17.0M$44.0M$35.0M$97.0M$40.0M$32.0M$28.0M$27.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$3.0M$5.0M$6.0M$8.0M$13.0M$11.0M$13.0M$14.0M$14.0M$14.0M
Fixed Assets$32.0M$38.0M$40.0M$51.0M$56.0M$58.0M$50.0M$44.0M$41.0M$40.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$1.1B$1.5B$1.7B$2.0B$2.1B$2.2B$2.5B$2.6B$2.5B$371.0M
Other Assets$3.0M$17.0M$0$26.0M$28.0M$40.0M$40.0M$40.0M$40.0M$40.0M
Total Liabilities$1.0B$1.4B$1.6B$1.9B$2.1B$2.3B$2.5B$2.6B$2.5B$2.5B
Current Liabilities$947.0M$1.2B$1.4B$1.7B$1.9B$2.1B$2.1B$2.3B$2.4B$1.3B
Borrowings$126.0M$213.0M$233.0M$183.0M$175.0M$136.0M$440.0M$85.0M$101.0M$153.0M
Other Liabilities$920.0M$1.2B$1.4B$1.7B$1.9B$2.1B$2.1B$2.5B$2.4B$2.4B
Equity$7.0M$10.0M$9.0M$11.0M$11.0M$10.0M$10.0M$10.0M$10.0M$10.0M
Reserves$113.0M$173.0M$182.0M$242.0M$243.0M$243.0M$216.0M$227.0M$241.0M$301.0M

For Investar Holding Corporation, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $17.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$37.0M$9.0M$16.0M$19.0M$18.0M$33.0M$43.0M$26.0M$16.0M$18.0M
Investing Cash Flow$-156.0M$-100.0M$-187.0M$-111.0M$-156.0M$50.0M$-352.0M$-75.0M$90.0M$-85.0M
Financing Cash Flow$167.0M$-37.0M$114.0M$136.0M$135.0M$20.0M$-54.0M$194.0M$90.0M$5.0M
Net Cash Flow$8.0M$1.0M$-13.0M$28.0M$-9.0M$62.0M$-57.0M$-8.0M$-4.0M$14.0M
Free Cash Flow$33.0M$7.0M$11.0M$11.0M$10.0M$30.0M$42.0M$25.0M$15.0M$17.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.78
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y33.08%
Return 3Y118.07%
Return 5Y43.36%

Investar Holding Corporation (ISTR) financials — frequently asked questions

What is Investar Holding Corporation's annual revenue?

Investar Holding Corporation (ISTR) reported annual revenue of $153.0M in its most recent fiscal year.

What is Investar Holding Corporation's net profit?

Investar Holding Corporation (ISTR) reported net profit of $23.0M in its most recent fiscal year.

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