INVESTAR HOLDING CORP (ISTR)
Financials · regional banking · NASDAQ
Investar Holding Corporation is a multi-state community banking organization focused on organic growth and acquisitions across Louisiana, Texas, and Alabama.
What INVESTAR HOLDING CORP does
Investar Holding Corporation is the parent company of Investar Bank, National Association, a financial institution providing a range of banking products and services. The company operates through branches in Louisiana, Texas, and Alabama, focusing on organic growth and strategic acquisitions of other financial institutions. Its primary business activities include commercial and consumer lending, deposit services, and investment portfolio management.
Themes: community banking, commercial lending, regional economic expansion, M&A growth strategy
Fundamentals
- Price$30.31 as of 2026-08-21 close
- Market cap$418M as of 2026-08-21
- 1-year return+35.6% 2025-08-21 close $22.35 → 2026-08-21 close $30.31
- P/E12.64 as of 2026-08-24
- Net margin+25.4% as of 2026-08-24
- ROE+9.4% as of 2026-08-24
- Debt / equity0.14 as of 2026-08-24
- Revenue growth (YoY)+27.2% as of 2026-08-24
- Beta0.47 as of 2026-08-24
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.8%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How ISTR compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, ISTR's dividend was covered by reported results (earnings payout 18%, operating-cash-flow payout 23%). This describes past coverage, not a forecast.
- Earnings payout18% dividends / net income
- Operating-cash-flow payout23% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How INVESTAR HOLDING CORP looks technically
INVESTAR HOLDING CORP (ISTR) is trading 8.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 272 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day high about 6 trading days ago. It is 4.6% below its all-time high. Trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest.
Trend
7
| Distance from the 200-day | it is trading 8.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $29.89 | $29.89 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $27.96 | $27.96 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 272 trading days ago — a "golden cross", a bullish long-term signal | 272 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend) | 17.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30) | 52.1 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($29.50 to $31.27) — its "stochastic" reading is 46 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 45.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $31.77 | $31.77 |
|---|---|---|
| From the 52-week high | it is 4.6% below its 52-week high (its highest price of the past year) | -4.6% |
| Above the 52-week low | it is 41.4% above its 52-week low (its lowest price of the past year) | +41.4% |
| Below the 52-week high | it is 4.6% below its highest point of the past year | 4.6% |
| Since a 20-day breakout | it made a new 20-day high about 6 trading days ago | 6 sessions |
| Since a 55-day breakout | it made a new 55-day high about 6 trading days ago | 6 sessions |
| All-time high | its highest closing price on record is $31.77 (set on 2026-01-26) | $31.77 |
| Given back of the 52-week move | over the past year its closes ranged ($21.52 to $30.95), and it has given back only a small part of its rise from last year’s low — 7% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $24.82 to $25.12. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 6.8% |
| From the all-time high | it is 4.6% below its all-time high | -4.6% |
| Nearest price level | it is trading 0.7% below a resistance level at $30.53 — a price it turned at six times since 2026-02-18, most recently on 2026-07-28. Since 2024-08-21 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.7% |
| All-time low | its lowest closing price on record is $8.49 (set on 2020-03-23) | $8.49 |
| Above the all-time low | it is 257.0% above its all-time low | +257.0% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 86% of it) | 14th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.5998 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.5998 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $29.55 and $31.06 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $29.55 – $30.30 – $31.06 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 3.9 daily ranges above its 200-day average price (8.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest | 2.10× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Gap filled | a 2.2% gap up opened on 2026-06-11 has been "filled" 32 sessions ago — price traded back through the level the gap left behind, and it took 17 sessions to close | 32 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.54% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.8 percentage points (the stock gained 1.5% while the market gained 2.3%) | -0.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 3.0 percentage points (the stock gained 6.1% while the market gained 3.1%) | +3.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 8.3 percentage points (the stock gained 2.8% while the market gained 11.1%) | -8.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 15.1 percentage points (the stock gained 35.6% while the market gained 20.5%) | +15.1% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.9% of the share price, which is taken to mean a barrier that gives way easily. | +2.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $28.86 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +5.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% above the average price paid since it last reported on 2026-07-20 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $30.09 — a volume-weighted average of daily closes over 25 sessions, not a true tick-by-tick VWAP. | +0.7% |
Price levels it has turned at before
ISTR last closed at $30.31 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $30.53 | Resistance | 0.7% above the last close | turned there six times · 2026-02-18 to 2026-07-28 |
| $28.80 | Support | 5.0% below the last close | turned there six times · 2026-02-12 to 2026-07-20 |
| $27.88 | Support | 8.0% below the last close | turned there three times · 2025-12-17 to 2026-06-01 |
| $26.18 | Support | 13.6% below the last close | turned there twice · 2026-01-02 to 2026-03-12 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Unusually heavy trading volume · MACD just crossed bearish (12/26/9) · trendless / choppy (low ADX) · Near the all-time high · lagging the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$34.25 range $32.50 – $35.25; median $35.00
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for ISTR
- Consensus EPS estimate$0.76 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk associated with commercial and industrial and commercial real estate loans exceeding the allowance for credit losses.","Risks and integration difficulties associated with the company's multi-state acquisition and growth strategy.","Sensitivity to fluctuations in interest rates, inflation, and general economic conditions impacting liquidity and loan demand."]
What changed in the latest 10-Q
AI-assisted comparison of ISTR's 10-Q filed 2026-05-08 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to conflicts in 'the Middle East, Ukraine and Israel' in geopolitical tensions bullet (newer filing expands geographic scope from older filing's 'Ukraine and Israel')
- Added new sentence in Company Overview section: 'All cross-references to the "Notes" in this Form 10-Q refer to the Notes to Consolidated Financial Statements contained in Part I. Item 1. Financial Statements unless otherwise noted.'
- Removed:
- Removed entire section 'Forward-Looking and Cautionary Statements Relating to the Pending Wichita Falls Transaction' that was present in the older filing, including all references to the WFB transaction, merger conditions, integration risks, cost savings, and synergies
- Removed phrase from liquidity bullet: 'which may be caused by, among other things, disruptions in the banking industry similar to those that occurred in early 2023 that caused bank depositors to move uninsured deposits to other banks or alternative investments outside the banking industry'
- Reworded:
- Geopolitical tensions bullet changed from 'new or increasing geopolitical tensions, including resulting from wars in Ukraine and Israel and surrounding areas' (older) to 'new or increasing geopolitical tensions, including resulting from conflicts and wars in the Middle East, Ukraine and Israel and surrounding areas or new areas' (newer) - expanded geographic scope and added 'conflicts' and 'new areas'
- Notes:
- Newer filing text appears truncated at end of Company Overview section ('The Bank co'), making full comparison of that section impossible
- Older filing text also appears truncated after 'Additional information on these and other risk factors can be foun', limiting final verification of all removed content
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days2 buys ($96338) · 0 sells — 1 buying insider
Most recent open-market transaction: 2026-04-23. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about ISTR's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding ISTR as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,435,500
- Reported value $39,165,268
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
ISTR had 197,838 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
ISTR had 1.44% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1 days to cover at the same settlement.
- Reported short interest (shares) 197,838
- Short interest (% of shares outstanding) 1.44%
- Prior settlement (shares) 166,732
- Reported change 18.66%
- Days to cover (reported) 1
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- BancorpSouth Bank (BXS)
- Community Bank of Mississippi
- Hancock Whitney (HWC)
- Home Bancorp (HBCP)
- Iberiabank (IBKC)
- Regions Financial (RF)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does INVESTAR HOLDING CORP (ISTR) do?
Investar Holding Corporation is the parent company of Investar Bank, National Association, a financial institution providing a range of banking products and services. The company operates through branches in Louisiana, Texas, and Alabama, focusing on organic growth and strategic acquisitions of other financial institutions. Its primary business activities include commercial and consumer lending, deposit services, and investment portfolio management.
What sector is INVESTAR HOLDING CORP (ISTR) in?
INVESTAR HOLDING CORP (ISTR) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does ISTR pay a dividend?
Yes — INVESTAR HOLDING CORP (ISTR) pays a dividend, with an indicated yield of about 3.82% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are INVESTAR HOLDING CORP's (ISTR) competitors?
Notable peers of INVESTAR HOLDING CORP (ISTR) include BancorpSouth Bank, Community Bank of Mississippi, Hancock Whitney, Home Bancorp and Iberiabank. This peer set is informational only — not financial advice.
Is INVESTAR HOLDING CORP (ISTR) overbought or oversold right now?
INVESTAR HOLDING CORP (ISTR) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 52, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ISTR come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.