Stock Ratings / Financials / ISTR / financials

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Investar Holding Corporation (ISTR) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$27.83 +0.62% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Investar Holding Corporation (ISTR) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $383.4M

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ISTR)Realized 20D OHLCV Swing Band: ±4.6%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How ISTR Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$18.2M (0.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$22.9M	$18.2M	7.6%
FY 2024	$4.00B	52%	0%	$20.3M	$15.9M	7.6%
FY 2023	$4.00B	52%	0%	$16.7M	$26.2M	7.6%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ISTR)

✓Walkthrough of ISTR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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ISTR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.43%📐 HORIZONTAL RANGE

2026-10-30O $27.96H $28.12L $27.50C $27.83VOL 82.8K

RES: $32.12SUP: $27.21SMA50: $29.47SMA200: $28.93

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ISTR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ISTR Butterfly Map → + Track ISTR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

9.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ISTR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ISTR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ISTR)

Financials Rank #400 of 1096 ⚔️ FDBC vs ISTR Full Matrix →

1. Head-to-Head Financials Peer Comparison (ISTR vs. FDBC, MVBF, PKBK, NWFL)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Investar Holding Corporation (ISTR) ranks #400 by composite RQD confidence (63/100, grade C) and #762 by equity capitalization ($383.4M). Within this direct 5-issuer industry benchmark cohort, PKBK leads on earnings valuation at 10.3x trailing P/E, while FDBC leads on capital efficiency and profitability with 11.8% ROIC and — gross margin. PKBK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ISTR at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ISTR ACTIVE Investar Holding Corporation	C	63/100	16.7x	—	7.6%	+0.62%	$383.4M	Benchmark Subject
FDBC Fidelity D & D Bancorp Inc.	C+	69/100	13.6x	—	11.8%	+3.65%	$382.4M	/fdbc-vs-istr →
MVBF MVB Financial Corp.	D+	58/100	—	—	0.0%	+0.34%	$385.7M	/mvbf-vs-istr →
PKBK Parke Bancorp Inc.	B-	70/100	10.3x	—	11.6%	+0.37%	$387.5M	/pkbk-vs-istr →
NWFL Norwood Financial Corp.	C	65/100	14.0x	—	11.5%	-0.67%	$388.5M	/nwfl-vs-istr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001602658

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Investar Holding Corporation (ISTR) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $22.9M, operating cash flow of $18.2M, and free cash flow of $18.2M (+14.4% YoY). On the balance sheet, ISTR closed FY2025 with $2.83B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$22.9M	$18.2M	$18.2M	$2.83B	—
FY2024 (FY)	2024-12-31	$0	$20.3M	$15.9M	$15.9M	$2.72B	—
FY2023 (FY)	2023-12-31	$0	$16.7M	$26.2M	$26.2M	—	—

3. ISTR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ISTR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Investar Holding Corporation (NASDAQ: ISTR) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $27.83 (+0.62% 1D, market cap $383.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, ISTR ranks #400 in composite RQD confidence.

How does ISTR compare to FDBC and MVBF in the Financials sector?

Within the Financials sector (Major Banks), ISTR carries a Roarable C (63/100 RQD), trailing P/E of 16.7x, gross margin of —, and ROIC of 7.6%. By comparison, FDBC (Fidelity D & D Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.6x, ROIC 11.8%, cap $382.4M) and MVBF (MVB Financial Corp.) posts a D+ grade (58/100 RQD, P/E N/A, ROIC 0.0%, cap $385.7M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while FDBC leads on capital efficiency (11.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ISTR?

Per ISTR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001602658), Investar Holding Corporation generated $0 in revenue, $22.9M in net income, and $18.2M in free cash flow against $2.83B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ISTR trading relative to its 50-day, 200-day, and 52-week technical levels?

ISTR last traded at $27.83 (+0.62% on volume of 68,678 shares), positioning the stock -5.56% below its 50-day simple moving average ($29.47) and -3.80% below its 200-day simple moving average ($28.93). Across its 52-week range of $22.95 to $31.77, ISTR sits at the 55.3% percentile with a 14-day RSI of 32.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($26.55 to $29.11).