ISTR
Investar Holding Corporation27.61
+0.39+1.43%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
271.29MP/E (TTM)
12.38Basic EPS (TTM)
2.23Dividend Yield
0.02%Recent Filings
10-K
FY2025 results
Investar Holding grew total assets to $2.8B for FY2025 ended December 31, 2025, with net loans at $2.1B (up 2.4% y/y) and deposits steady at $2.4B; net income hit $22.9M, driving diluted EPS to $2.13 (up 4.4% y/y). Q4 momentum shone through margin expansion to 3.07% (up 44bps y/y) as Fed cuts lowered deposit costs to 3.04% while loan yields climbed to 5.96%, fueled by variable-rate C&I growth to 27% of loans. Business lending drove gains, yet nonowner CRE dipped 8.7% via selective payoffs. Solid liquidity with $116M FHLB draws and $652M available; $2.3M buybacks and 6% dividend hike rewarded shareholders. Regional hurricanes threaten quarterly flows.
8-K
Investar closes Wichita Falls deal
Investar closed its $112.9M acquisition of Wichita Falls Bancshares on January 1, 2026, adding north Dallas and Wichita Falls markets via $7.2M cash and 3.95M shares. Q4 2025 net income hit $5.4M ($0.51/share), with NIM expanding to 3.20% and loans rising 1.2% to $2.18B. Expansion fuels growth. Repurchases ongoing.
8-K
Investar completes WFB acquisition
Investar Holding completed its acquisition of Wichita Falls Bancshares on January 1, 2026, issuing 3,955,334 shares and $7.2 million cash—totaling ~$112.9 million at December 31 close—for First National Bank with $1.2B assets, $1.0B loans, $1.0B deposits. It assumed $9.3M junior debentures and a $10M note, expected repaid soon. David Flack and James Dunkerley joined the board. Acquisition expands into north Dallas and Wichita Falls.
8-K
WFB financials bolster Investar merger
Investar updated its effective resale registration for Series A Preferred shares with Wichita Falls Bancshares' Q3 financials and pro forma merger data, valued at ~$101M including 3.95M Investar shares at $23.84 and $7.2M cash. WFB posted $3.6M net income on $1.31B assets, down from $1.54B after selling $136M residential loans; loans shrank 14% to $1.09B, nonperformers eased to 0.58%. Merger accretes earnings.
10-Q
Q3 FY2025 results
Investar posted solid Q3 results with net interest income up 18.5% y/y to $21.2M, fueled by 49bps NIM expansion to 3.16% as short-term borrowings vanished and deposit costs eased. Diluted EPS held steady at $0.54 despite new preferred dividends, reconciling neatly to 11.5M shares; YTD EPS of $1.62 reflects the same. Loans ticked up 1.2% q/q to $2.15B while nonperformers eased to 0.36%. Issued $30.4M Series A preferred in July to back the pending WFB deal, closing ~Jan 2026 for $83.6M (cash/stock mix). Cash sits at $35M, FHLB availability $714M. Credit quality shines.
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