Investar (ISTR) shares ended the last trading session 5.8% higher at $20.44. The jump came on an impressive volume with a higher-than-average number of shares changing hands in the session. This compares to the stock's 3.5% gain over the past four weeks.Investar will acquire Wichita Falls Bancshares, the parent of First National Bank, for approximately $83.6 million in cash and stock. The deal includes 3,955,334 Investar shares and $7.2 million in cash, valuing Wichita Falls at $134.67 per share. This marks ...

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]

Financial Performance & Capital Management - Investar Holding Corporation's regulatory common equity tier 1 capital ratio increased to 1085% at December 31, 2024, compared to 951% at December 31, 2023[19] - Book value per common share increased to $2455, or 55%, at December 31, 2024, compared to $2326 at December 31, 2023[19] - Tangible book value per common share increased to $2031, or 73%, at December 31, 2024, compared to $1892 at December 31, 2023[19] - Return on average assets increased to 088% for the fourth quarter of 2024, compared to 077% for the third quarter of 2024[24] - Core return on average assets increased to 093% for the fourth quarter of 2024, compared to 063% for the third quarter of 2024[24] Balance Sheet Optimization & Loan Portfolio - Variable-rate loans as a percentage of total loans was 32% at December 31, 2024[20, 23] - The consumer mortgage portfolio decreased $47 million, or 19%, to $2425 million at December 31, 2024, compared to $2472 million at September 30, 2024[23] - Total loans decreased $308 million, or 14%, to $213 billion at December 31, 2024, compared to $216 billion at September 30, 2024[24, 68] Expense Control & Efficiency - GAAP noninterest expense increased by $04 million, or less than 1%, to $630 million for 2024 compared to $626 million for 2023[19] - Core noninterest expense increased by $10 million, or 17%, to $628 million for 2024 compared to $618 million for 2023[19] - Efficiency ratio improved to 7100% for the fourth quarter of 2024, compared to 7561% for the third quarter of 2024[24]

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a ...

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 March 31, 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 ( ...

Investar (ISTR) could be a solid choice for investors given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade primarily reflects an upward trend in earnings estimates, which is 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.Since a changin ...

Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yie ...

For the quarter ended March 2025, Investar (ISTR) reported revenue of $20.36 million, up 2% over the same period last year. EPS came in at $0.64, compared to $0.43 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $20.1 million, representing a surprise of +1.30%. The company delivered an EPS surprise of +82.86%, with the consensus EPS estimate being $0.35.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expect ...

Investar (ISTR) came out with quarterly earnings of $0.64 per share, beating the Zacks Consensus Estimate of $0.35 per share. This compares to earnings of $0.43 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 82.86%. A quarter ago, it was expected that this holding company for Investar Bank would post earnings of $0.40 per share when it actually produced earnings of $0.65, delivering a surprise of 62.50%.Over the last four qua ...

Financial Performance - Investar reported net income of $6.3 million, or $0.63 per diluted common share, for Q1 2025, an increase from $6.1 million, or $0.61 per diluted common share, in Q4 2024[2] - Net income rose by 3.0% year-over-year to $6,293 million, with diluted earnings per share increasing by 3.3% to $0.63[47] - Net interest income for Q1 2025 was $18.3 million, an increase of $1.1 million, or 6.6%, compared to Q1 2024[23] - Net interest income after provision for credit losses increased to $21,941 thousand, up 20.5% from $18,184 thousand in the previous quarter[55] - Core earnings for the quarter ended March 31, 2025, were $6,354 million, slightly down from $6,463 million in the previous quarter, reflecting a decrease of 1.7%[63] Asset Quality - Nonperforming loans represented only 0.27% of total loans at March 31, 2025, down from 0.42% at December 31, 2024[9] - Nonperforming assets to total assets improved to 0.43%, down from 0.52% in the previous quarter, reflecting better asset quality[50] - Provision for credit losses significantly increased by 413.0% year-over-year to $(3,596) million, indicating a substantial rise in expected credit losses[47] - The provision for credit losses was $3,596 thousand, significantly higher than $701 thousand in the previous quarter, indicating increased risk management measures[55] Capital and Equity - Investar's regulatory common equity tier 1 capital ratio increased to 11.16% at March 31, 2025, compared to 10.84% at December 31, 2024[9] - Total stockholders' equity increased to $251.7 million at March 31, 2025, up $24.7 million compared to March 31, 2024, primarily due to net income and an increase in the fair value of available-for-sale securities[22] - Total stockholders' equity increased to $251,737 million as of March 31, 2025, up from $241,296 million in December 31, 2024, representing a growth of 6.0%[61] - Tangible common equity increased to $210,179 million as of March 31, 2025, from $199,600 million in December 31, 2024, marking a growth of 5.9%[61] Deposits and Loans - Total loans decreased by $18.5 million, or 0.9%, to $2.11 billion at March 31, 2025, compared to $2.13 billion at December 31, 2024[9] - Total deposits increased by $1.4 million, or 0.1%, to $2.35 billion at March 31, 2025, compared to $2.35 billion at December 31, 2024[9] - Total deposits as of March 31, 2025, were $2.35 billion, an increase of $139.5 million, or 6.3%, compared to $2.21 billion at March 31, 2024[19] Interest Income and Margin - The net interest margin improved by 22 basis points to 2.87% in Q1 2025, compared to 2.65% in Q4 2024[8] - The yield on interest-earning assets was 5.39% for Q1 2025, compared to 5.38% for Q4 2024, reflecting a slight increase in the yield on the loan portfolio[25] - Total interest income decreased by 3.0% year-over-year to $34,434 million, while net interest income increased by 4.9% to $18,345 million[47] Expenses - Noninterest expense for Q1 2025 was $16.2 million, an increase of $0.9 million, or 6.2%, compared to Q1 2024[33] - Total noninterest expense rose to $16,238 thousand, compared to $16,079 thousand in the previous quarter, reflecting an increase in salaries and employee benefits[55] - Noninterest income for Q1 2025 totaled $2.0 million, a decrease of $3.2 million, or 61.0%, compared to Q4 2024[30] Efficiency and Ratios - The efficiency ratio increased to 79.77%, up from 71.00% in the previous quarter, indicating a decline in operational efficiency[48] - Return on average assets improved to 0.94%, up from 0.88% in the previous quarter, showing enhanced profitability[47] - Core return on average assets for the quarter ended March 31, 2025, was 0.95%, slightly up from 0.93% in the previous quarter[63] Shareholder Actions - Investar repurchased 34,992 shares of its common stock during Q1 2025, leaving 460,653 shares authorized for repurchase[9] - The company declared cash dividends of $0.105 per common share, consistent with the previous quarter[55] Strategic Focus - The company aims to pivot from a growth strategy to a focus on consistent, quality earnings through balance sheet optimization[42] - The company is subject to various risks, including changes in economic conditions, regulatory requirements, and potential impacts from geopolitical tensions[42]