Investar Holding Corp - Understand $istr stock

$ISTR Market Cap: $228.1 Million

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Financial Snapshot

Revenue

$64.09M

TTM

Gross Margin

Net Earnings

$17.68M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$2.803B

Q3 2024

Total Liabilities

$2.557B

Q3 2024

Book Value

$245.5M

Q3 2024

Cash

$86.34M

Q3 2024

P/E

12.90

Nov 14, 2024 EST

Free Cash Flow

$10.51M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Revenue	$83.06M	$105.2M	$72.97M	$74.47M	$69.13M	$73.89M	$53.35M	$43.15M	$37.34M	$31.37M	$22.47M	$14.59M
YoY Change	-21.06%	44.18%	-2.01%	7.73%	-6.45%	38.51%	23.62%	15.57%	19.03%	39.59%	54.05%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Revenue	$83.06M	$105.2M	$72.97M	$74.47M	$69.13M	$73.89M	$53.35M	$43.15M	$37.34M	$31.37M	$22.47M	$14.59M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.780M	$4.435M	$4.990M	$4.570M	$3.460M	$2.550M	$1.870M	$1.490M	$1.450M	$1.330M	$890.0K	$590.0K
YoY Change	-14.77%	-11.12%	9.19%	32.08%	35.69%	36.36%	25.5%	2.76%	9.02%	49.44%	50.85%	34.09%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Interest Expense	$58.68M	$14.78M	$11.73M	$20.26M	$24.63M	$16.52M	$10.83M	$8.413M	$5.882M	$4.675M	$3.460M	$2.542M
YoY Change	296.92%	26.06%	-42.11%	-17.73%	49.05%	52.56%	28.72%	43.03%	25.82%	35.12%	36.11%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Pretax Income	$20.43M	$44.35M	$9.909M	$17.34M	$20.96M	$17.24M	$12.45M	$11.49M	$10.58M	$6.542M	$4.316M	$3.340M
YoY Change	-53.94%	347.55%	-42.85%	-17.27%	21.59%	38.44%	8.36%	8.55%	61.79%	51.58%	29.22%	122.67%
Income Tax	$3.750M	$8.639M	$1.909M	$3.450M	$4.119M	$3.630M	$4.248M	$3.609M	$3.511M	$1.145M	$1.148M	$979.0K
% Of Pretax Income	18.36%	19.48%	19.27%	19.9%	19.65%	21.06%	34.12%	31.41%	33.17%	17.5%	26.6%	29.31%
Net Earnings	$16.68M	$35.71M	$8.000M	$13.89M	$16.84M	$13.61M	$8.202M	$7.880M	$7.073M	$5.397M	$3.168M	$2.361M
YoY Change	-53.3%	346.36%	-42.4%	-17.52%	23.76%	65.89%	4.09%	11.41%	31.05%	70.36%	34.18%	136.1%
Net Earnings / Revenue	20.08%	33.94%	10.96%	18.65%	24.36%	18.41%	15.38%	18.26%	18.94%	17.2%	14.1%	16.19%
Basic Earnings Per Share	$1.69	$3.54	$0.77	$1.27	$1.68	$1.41	$0.96	$1.11	$0.98	$0.98	$0.86	$0.79
Diluted Earnings Per Share	$1.70	$3.50	$0.76	$1.27	$1.66	$1.39	$0.96	$1.10	$0.97	$0.93	$0.81	$0.71

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$44.18M	$49.59M	$58.10M	$56.30M	$50.90M	$40.20M	$37.50M	$31.70M	$30.60M	$28.50M	$24.70M	$14.90M
YoY Change	-10.9%	-14.65%	3.2%	10.61%	26.62%	7.2%	18.3%	3.59%	7.37%	15.38%	65.77%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$16.91M	$16.44M	$2.200M	$1.400M	$0.00	$1.100M	$1.300M	$2.900M	$1.900M	$1.100M	$1.200M	$300.0K
YoY Change	2.87%	647.18%	57.14%		-100.0%	-15.38%	-55.17%	52.63%	72.73%	-8.33%	300.0%
Total Long-Term Assets
YoY Change
Total Assets	$2.815B	$2.754B	$2.513B	$2.321B	$2.149B	$1.787B	$1.623B	$1.159B	$1.032B	$879.4M	$634.9M	$375.4M
YoY Change
Accounts Payable											$300.0K	$100.0K
YoY Change											200.0%
Accrued Expenses	$2.200M	$2.900M	$3.400M	$3.900M	$3.400M
YoY Change	-24.14%	-14.71%	-12.82%	14.71%
Deferred Revenue
YoY Change
Short-Term Debt	$8.633M	$0.00	$5.800M	$5.700M	$3.000M	$2.000M	$21.90M	$40.10M	$39.10M	$12.30M	$10.20M	$4.000M
YoY Change		-100.0%	1.75%	90.0%	50.0%	-90.87%	-45.39%	2.56%	217.89%	20.59%	155.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$38.41M	$10.72M	$10.40M	$13.20M	$14.30M	$9.900M	$12.20M	$11.90M	$14.60M	$6.200M	$2.200M	$1.400M
YoY Change	258.3%	3.08%	-21.21%	-7.69%	44.44%	-18.85%	2.52%	-18.49%	135.48%	181.82%	57.14%
Long-Term Debt	$52.95M	$52.74M	$51.40M	$48.80M	$48.70M	$24.10M	$24.00M	$3.600M	$3.600M	$3.600M	$3.600M	$0.00
YoY Change	0.4%	2.61%	5.33%	0.21%	102.07%	0.42%	566.67%	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$5.300M	$5.200M	$4.300M	$1.900M	$1.600M
YoY Change	1.92%	20.93%	126.32%	18.75%
Total Long-Term Liabilities	$58.25M	$57.94M	$55.70M	$50.70M	$50.30M	$24.10M	$24.00M	$3.600M	$3.600M	$3.600M	$3.600M	$0.00
YoY Change	0.54%	4.02%	9.86%	0.8%	108.71%	0.42%	566.67%	0.0%	0.0%	0.0%
Total Liabilities	$2.588B	$2.538B	$2.271B	$2.078B	$1.907B	$1.604B	$1.450B	$1.046B	$922.2M	$776.0M	$579.5M	$331.9M
YoY Change	1.98%	11.78%	9.27%	8.97%	18.87%	10.63%	38.6%	13.45%	18.84%	33.91%	74.6%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Basic Shares Outstanding	9.839M	10.09M	10.42M	10.85M	9.931M	9.539M shares	8.400M shares	7.107M shares	7.214M shares	5.534M	3.668M	2.998M
Diluted Shares Outstanding	9.842M	10.18M	10.50M	10.87M	10.03M	9.665M shares	8.457M shares	7.150M shares	7.258M shares	5.777M	3.923M	3.303M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $228.12 Million

About Investar Holding Corp

Investar Holding Corp. is a financial holding company, which engages in the provision of full banking services. The company is headquartered in Baton Rouge, Louisiana and currently employs 323 full-time employees. The company went IPO on 2014-07-01. The firm offers a range of commercial and retail lending products throughout its market areas, including business loans to small to medium-sized businesses as well as loans to individuals. Its business lending products include owner-occupied commercial real estate loans, construction loans and commercial and industrial loans, such as term loans, equipment financing and lines of credit, while its loans to individuals include first and second mortgage loans, installment loans, and lines of credit. The company offers a base of deposit products and services to individual and business clients, including savings, checking, and money market accounts, as well as a variety of certificates of deposit and individual retirement accounts. The company also offers debit cards, Internet banking, direct deposit of payroll and social security checks.

Industry: State Commercial Banks Peers: Ames National Corp Bank7 Corp Community West Bancshares Chemung Financial Corp Evans Bancorp Inc National Bankshares Inc PNC Financial Services Group Inc