Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view i ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 _____________________________________ FORM 10-Q _____________________________________ (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-36522 Investar Holding Corporation (E ...

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view i ...

Core Insights - Investar (ISTR) reported revenue of $22.27 million for the quarter ended June 2025, marking an 11.6% year-over-year increase and exceeding the Zacks Consensus Estimate of $20.96 million by 6.28% [1] - The company's EPS for the same period was $0.47, up from $0.36 a year ago, representing a surprise of 17.5% compared to the consensus estimate of $0.40 [1] Financial Performance Metrics - Net Interest Margin was reported at 3%, surpassing the average estimate of 2.9% from two analysts [4] - Efficiency Ratio stood at 75%, better than the estimated 76.3% by two analysts [4] - Total Noninterest Income reached $2.63 million, exceeding the estimated $2.12 million [4] - Net Interest Income was reported at $19.64 million, compared to the average estimate of $18.86 million [4] Stock Performance - Investar's shares have returned +19.9% over the past month, outperforming the Zacks S&P 500 composite's +5.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Investar (ISTR) came out with quarterly earnings of $0.47 per share, beating the Zacks Consensus Estimate of $0.4 per share. This compares to earnings of $0.36 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +17.50%. A quarter ago, it was expected that this holding company for Investar Bank would post earnings of $0.35 per share when it actually produced earnings of $0.64, delivering a surprise of +82.86%.Over the last four qu ...

Investar Holding Corporation Announces 2025 Second Quarter Results BATON ROUGE, LA / ACCESS Newswire / July 21, 2025 / Investar Holding Corporation ("Investar") (NASDAQ:ISTR), the holding company for Investar Bank, National Association (the "Bank"), today announced financial results for the quarter ended June 30, 2025. Investar reported net income of $4.5 million, or $0.46 per diluted common share, for the second quarter of 2025, compared to net income of $6.3 million, or $0.63 per diluted common share, for ...

Cautionary Statements Non-GAAP Financial Measures This presentation contains financial information determined by methods other than in accordance with generally accepted accounting principles in the United States of America, or GAAP. These measures and ratios include "tangible common equity," "tangible assets," "tangible equity to tangible assets," "tangible book value per common share," "core noninterest income," "core earnings before noninterest expense," "core noninterest expense," "core earnings before ...

Investar (ISTR) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.Indi ...

Company Overview - Investar (ISTR) shares increased by 5.8% to $20.44 in the last trading session, with a higher-than-average trading volume, compared to a 3.5% gain over the past four weeks [1] - Investar is set to acquire Wichita Falls Bancshares for approximately $83.6 million, which includes 3,955,334 shares of Investar and $7.2 million in cash, valuing Wichita Falls at $134.67 per share [2] - This acquisition marks Investar's second in Texas, expanding its presence in North Texas, with the deal expected to close in Q4 2025, pending regulatory and shareholder approvals [2] Financial Performance - Investar is projected to report quarterly earnings of $0.40 per share, reflecting an 11.1% year-over-year increase, with expected revenues of $20.96 million, up 5% from the previous year [3] - The consensus EPS estimate for Investar has remained unchanged over the last 30 days, indicating stability in earnings expectations [4] Industry Context - Investar operates within the Zacks Banks - Southeast industry, where Amerant Bancorp Inc. (AMTB) also operates, having closed 3.7% higher at $18.9, with a 5.7% return over the past month [4] - Amerant Bancorp's consensus EPS estimate is $0.38, representing a 35.7% increase from the previous year, also maintaining a Zacks Rank of 3 (Hold) [5]

Financial Performance - Net interest margin improved to 267% for Q3 2024 compared to 262% for Q2 2024[14,19] - Return on average assets increased to 077% for Q3 2024 compared to 059% for Q2 2024[19] - Core return on average assets increased to 063% for Q3 2024 compared to 052% for Q2 2024[19] - Net income was $5381 thousand for Q3 2024[18,38] Balance Sheet Optimization and Capital Management - Outstanding borrowings under the BTFP decreased by $1200 million to $1090 million at September 30 2024 compared to $2290 million at June 30 2024[14] - Total loans decreased by $109 million or 05% to $216 billion at September 30 2024 compared to $217 billion at June 30 2024[19,64] - The company repurchased 2000 shares during Q3 at an average price of $1850 per share[14] - Total deposits increased $772 million or 35% to $229 billion at September 30 2024 compared to $221 billion at June 30 2024[91] Asset Quality - Nonperforming assets to total assets was 032% at September 30 2024 compared to 030% at June 30 2024[14] - The allowance for credit losses to nonperforming loans was 6820% at September 30 2024 compared to 5764% at June 30 2024[14] - Nonperforming loans improved to 019% of total loans at September 30 2024 compared to 023% at June 30 2024[19]