Stock Ratings / Financials / ISTR / options

FDBC (69) MVBF (56) PKBK (65) NWFL (73) ⌘ Pro Terminal →

Investar Holding Corporation (ISTR) Options Positioning, Max Pain & Unusual Sweeps

$27.83 +0.62% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $27.81

Investar Holding Corporation (ISTR) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $383.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ISTR Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ISTR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Investar Holding Corporation (NASDAQ: ISTR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 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 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, ISTR ranks #631 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ISTR compare to FDBC and MVBF in the Financials sector?

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Within the Financials sector (Major Banks), ISTR carries a Roarable D+ (52/100 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 (56/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ISTR?

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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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $27.81 (-0.08%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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 D

Each axis scored 0–20

12M PRICE TARGET CONE-2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ISTR)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (52/100 Composite)

🔍 WHY ISTR SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$29.06-1.7% Next Q

Q2 (-2Q)

Grade C$28.58-2.7% Next Q

Q3 (-1Q)

Grade C$27.82+0% Next Q

Current

Grade D+$27.83-1.1% Hist 90D α

Trajectory: C (60) → D+ (52)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a ISTR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While ISTR currently carries a cautious 52/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($29.42) and Max Pain ($29.22) forces dealer call-delta covering toward $33.36.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.08% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ISTR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ISTR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 52%NO 48%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.5%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (ISTR)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for ISTR.

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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
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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ISTR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.54%📐 HORIZONTAL RANGE

2026-11-02O $27.66H $27.83L $27.66C $27.83VOL 68.7K

RES: $32.14SUP: $27.20SMA50: $29.42SMA200: $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

🎬 No recent verified company-specific video clip queued for ISTR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

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

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

Financials Rank #631 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 #631 by composite RQD confidence (52/100, grade D+) 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. NWFL currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with ISTR at 52/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ISTR ACTIVE Investar Holding Corporation	D+	52/100	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+	56/100	—	—	0.0%	+0.34%	$385.7M	/mvbf-vs-istr →
PKBK Parke Bancorp Inc.	C	65/100	10.3x	—	11.6%	+0.37%	$387.5M	/pkbk-vs-istr →
NWFL Norwood Financial Corp.	B	73/100	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?

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

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

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 -5.40% below its 50-day simple moving average ($29.42) 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 37.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($26.58 to $29.08).

ISTR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is ISTR's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for ISTR.

Direct Sub-Reports: ISTR RQD Cockpit ISTR 12M Forecast ISTR Earnings & Move ISTR Dividends & DRIP ISTR Insiders & 13F ISTR Whale Options ISTR Profit Sankey ISTR News & Why