Investar Holding Corporation (ISTR) Income Statement Analysis

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Complete financial analysis of Investar Holding Corporation (ISTR) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Investar Holding Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.

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Investar Holding Corporation (ISTR)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.investarbank.com

About Investar Holding Corporation

Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals and small to medium-sized businesses in South Louisiana. The company offers various deposit products and services, such as savings, checking, money market, and individual retirement accounts, as well as various certificates of deposit; debit cards; and mobile banking services. It also provides commercial real estate loans; commercial and industrial loans, including working capital lines of credit and equipment loans; loans for the construction of commercial projects, and single family residential and multifamily properties; one-to-four family residential real estate lending, such as second mortgage loans; consumer loans, such as secured and unsecured installment and term loans, home equity loans and lines of credit, and auto loans, as well as loans for personal, family, and household purposes. In addition, the company offers cash management products, including remote deposit capture, virtual vault, electronic statements, positive pay, ACH origination and wire transfer, investment sweep accounts, and business Internet banking services. Further, it provides various other banking services, such as cashiers' checks, direct deposit of payroll and social security checks, night depository, bank-by-mail, automated teller machine, interactive teller machines, merchant card, and mobile wallet payment services. The company operates through a network of 24 full service branches. Investar Holding Corporation was founded in 2006 and is headquartered in Baton Rouge, Louisiana.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	83.06M	108.39M	96.26M	85.67M	71.05M	61.59M	46.21M	38.94M	39.80M	32.55M	23.46M	15.67M	10.76M
Cost of Revenue	13.67M	12.68M	12.37M	10.96M	8.33M	7.66M	5.72M	4.81M	5.67M	2.63M	0.00	0.00	0.00
Gross Profit	69.39M	95.71M	83.89M	74.70M	62.72M	53.93M	40.49M	34.13M	34.13M	29.92M	23.46M	15.67M	10.76M
Gross Profit Ratio	83.54%	88.30%	87.15%	87.20%	88.28%	87.56%	87.63%	87.64%	85.75%	91.91%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	37.14M	34.97M	35.53M	33.38M	28.64M	25.47M	18.68M	15.61M	16.40M	15.58M	13.43M	8.45M	6.04M
Selling & Marketing	302.00K	262.00K	275.00K	333.00K	260.00K	237.00K	422.00K	386.00K	248.00K	330.00K	320.00K	212.00K	107.00K
SG&A	37.45M	35.24M	35.80M	33.71M	28.90M	25.71M	19.10M	16.00M	16.65M	15.91M	13.75M	8.66M	6.14M
Other Expenses	0.00	-19.22M	-122.16M	-102.04M	-78.99M	-55.63M	-8.97M	-8.70M	0.00	0.00	-29.43M	-18.45M	-12.82M
Operating Expenses	49.63M	2.04M	-86.36M	-68.33M	-50.09M	-27.83M	1.37M	1.65M	1.32M	805.00K	-15.68M	-9.79M	-6.68M
Cost & Expenses	49.63M	2.04M	-86.36M	-68.33M	-50.09M	-27.83M	7.09M	6.46M	7.00M	3.44M	-15.68M	-9.79M	-6.68M
Interest Income	133.20M	104.57M	95.54M	93.79M	89.44M	73.89M	53.35M	43.15M	37.34M	31.37M	22.47M	14.59M	11.30M
Interest Expense	58.68M	14.78M	11.73M	20.26M	24.63M	16.52M	10.83M	8.41M	5.88M	4.68M	3.46M	2.54M	2.58M
Depreciation & Amortization	3.78M	4.44M	4.99M	4.57M	3.46M	2.55M	1.87M	1.49M	1.45M	537.00K	862.00K	587.00K	440.00K
EBITDA	0.00	48.78M	14.90M	21.91M	24.42M	20.39M	14.19M	11.72M	12.03M	9.15M	0.00	4.21M	0.00
EBITDA Ratio	0.00%	58.64%	15.48%	25.57%	34.37%	58.95%	54.42%	54.94%	45.00%	38.41%	36.82%	41.28%	42.03%
Operating Income	33.42M	59.13M	9.91M	17.34M	20.96M	33.76M	1.12M	911.00K	2.23M	1.20M	7.78M	5.88M	4.08M
Operating Income Ratio	40.24%	54.55%	10.29%	20.24%	29.50%	54.81%	2.42%	2.34%	5.61%	3.70%	33.15%	37.54%	37.94%
Total Other Income/Expenses	-13.00M	-12.12M	7.72M	-12.03M	-10.42M	-9.10M	-7.58M	-5.41M	-5.73M	-4.75M	-3.26M	-493.00K	-222.00K
Income Before Tax	20.43M	44.35M	9.91M	17.34M	20.96M	17.24M	12.45M	11.49M	10.58M	6.54M	4.32M	3.34M	1.50M
Income Before Tax Ratio	24.59%	40.91%	10.29%	20.24%	29.50%	27.99%	26.95%	29.50%	26.59%	20.10%	18.40%	21.31%	13.96%
Income Tax Expense	3.75M	8.64M	1.91M	3.45M	4.12M	3.63M	4.25M	3.61M	3.51M	1.15M	1.15M	979.00K	502.00K
Net Income	16.68M	35.71M	8.00M	13.89M	16.84M	13.61M	8.20M	7.88M	7.07M	5.40M	3.17M	2.36M	999.00K
Net Income Ratio	20.08%	32.94%	8.31%	16.21%	23.70%	22.09%	17.75%	20.24%	17.77%	16.58%	13.50%	15.07%	9.29%
EPS	1.69	3.54	0.77	1.27	1.68	1.41	0.96	1.11	0.98	0.98	0.46	0.35	0.15
EPS Diluted	1.69	3.50	0.76	1.27	1.66	1.39	0.96	1.10	0.97	0.93	0.44	0.33	0.14
Weighted Avg Shares Out	9.87M	10.09M	10.42M	10.85M	9.93M	9.65M	8.40M	7.11M	7.21M	5.53M	6.82M	6.82M	6.82M
Weighted Avg Shares Out (Dil)	9.84M	10.18M	10.50M	10.87M	10.03M	9.79M	8.54M	7.17M	7.26M	5.78M	7.25M	7.25M	7.25M

Dividend Increases: March 13-19, 2021

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Investar Holding Corporation Declares Quarterly Cash Dividend and Announces Additional Authorization under Share Repurchase Program

March 17, 2021globenewswire.com

BATON ROUGE, La., March 17, 2021 (GLOBE NEWSWIRE) -- Investar Holding Corporation (the “Company”) (Nasdaq:ISTR), the holding company of Investar Bank, National Association (the “Bank”), declared a quarterly cash dividend of $0.07 per share to holders of Investar Holding Corporation...

Investar Holding Corporation Announces Acquisition Approvals

March 17, 2021globenewswire.com

BATON ROUGE, La., March 17, 2021 (GLOBE NEWSWIRE) -- Investar Holding Corporation (the “Company”) (Nasdaq:ISTR), the holding company of Investar Bank, National Association (the “Bank”), today announced that it has received the necessary shareholder and regulatory approvals for its previously...

Investar Holding Corporation Announces Acquisition of Cheaha Financial Group, Inc. in Oxford, Alabama and 2020 Fourth Quarter Results

January 25, 2021globenewswire.com

BATON ROUGE, La., Jan. 25, 2021 (GLOBE NEWSWIRE) -- Investar Holding Corporation (the “Investar”) (NASDAQ:ISTR), the holding company for Investar Bank, National Association (the “Bank”), announced today that it has entered into a definitive agreement (the “Agreement”) to acquire Cheaha...

Investar Holding Corporation Declares Cash Dividend

December 16, 2020globenewswire.com

BATON ROUGE, La., Dec. 16, 2020 (GLOBE NEWSWIRE) -- Investar Holding Corporation (the “Company”) (NASDAQ:ISTR), the holding company for Investar Bank, National Association, declared a quarterly cash dividend of $0.065 per share to holders of Investar Holding Corporation common stock....