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Investar Holding Corporation (ISTR) 12-Month Stock Forecast & Price Target Cone

$28.29 +2.54% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.37

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.

ROARABLE D+ • SELL / AVOID Cap $389.8M
📤 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?
▼

As of 2026-11-03, 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 $28.29 (+2.54% 1D, market cap $389.8M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, ISTR ranks #597 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 PKBK and GBC in the Financials sector?
▼

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, PKBK (Parke Bancorp Inc.) holds a C grade (63/100 RQD, P/E 10.3x, ROIC 11.6%, cap $392.5M) and GBC (Georgia Banking Company Inc.) posts a D+ grade (58/100 RQD, P/E N/A, ROIC —, cap $385.5M). 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?
▼

Per ISTR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001602658), Investar Holding Corporation generated $1.19B in revenue (+4.0% YoY), $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: $28.37 (+0.27%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.5% 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+
025507510052
Quant Analyst Panel 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 RQD RADARRw D+ · Rk D
Cash (11)Whales (6)SEC (13)Macro (7)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE-2.7% Base Target
$33 Bull$28 Base$21 Bear
📬 FREE ISTR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ISTR)Realized 20D OHLCV Swing Band: ±4.6%
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)
60
Grade C$28.55+0.7% Next Q
Q2 (-2Q)
57
Grade C$28.74-3.8% Next Q
Q3 (-1Q)
55
Grade C$27.66+2.3% Next Q
Current
52
Grade D+$28.29-1.1% 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 ($29.32) and Max Pain ($29.70) 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 →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your ISTR Position Size: $10,000

Shares at $28.29: 353.5 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $21.47
$7,589
$-2,411 (-24.1%)
12M Consensus BaseTarget $27.53
$9,731
$-269 (-2.7%)
12M Bull Case BreakoutTarget $33.36
$11,792
+$1,792 (+17.9%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (32 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 6
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$2974%A
Goldman SachsSector Coverage LeadUNDERPERFORM$3169%B
JP MorganUS Large-Cap ResearchSELL$2558%C
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: +0.75%📐 HORIZONTAL RANGE
2026-11-04O $27.59H $28.29L $27.59C $28.29VOL 84.2K
RES: $32.17SUP: $27.16SMA50: $29.32SMA200: $28.94
$31.67$30.01$28.34$26.68$25.01RES $32.17SUP $27.16$28.292026-05-052026-06-182026-08-052026-09-212026-11-04
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

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
9.5%/yr Implied 5Y Growth

vs. +4.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #597 of 1097 ⚔️ PKBK vs ISTR Full Matrix →

1. Head-to-Head Financials Peer Comparison (ISTR vs. PKBK, GBC, NWFL, FDBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Investar Holding Corporation (ISTR) ranks #597 by composite RQD confidence (52/100, grade D+) and #756 by equity capitalization ($389.8M). 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 72/100 (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% +2.54% $389.8M Benchmark Subject
PKBK
Parke Bancorp Inc.
C 63/100 10.3x — 11.6% +2.42% $392.5M /pkbk-vs-istr →
GBC
Georgia Banking Company Inc.
D+ 58/100 — — — -2.87% $385.5M /gbc-vs-istr →
NWFL
Norwood Financial Corp.
B 72/100 14.0x — 11.5% +1.80% $394.1M /nwfl-vs-istr →
FDBC
Fidelity D & D Bancorp Inc.
C+ 69/100 13.6x — 11.8% +3.39% $395.3M /fdbc-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 $1.19B (+4.0% vs. FY2024 revenue of $1.14B , and +1093.0% cumulative change since FY2023) , 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 $1.19B $22.9M $18.2M $18.2M $2.83B —
FY2024 (FY) 2024-12-31 $1.14B $20.3M $15.9M $15.9M $2.72B —
FY2023 (FY) 2023-12-31 $99.7M $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?

As of 2026-11-03, 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 $28.29 (+2.54% 1D, market cap $389.8M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, ISTR ranks #597 in composite RQD confidence.

How does ISTR compare to PKBK and GBC in the Financials sector?

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, PKBK (Parke Bancorp Inc.) holds a C grade (63/100 RQD, P/E 10.3x, ROIC 11.6%, cap $392.5M) and GBC (Georgia Banking Company Inc.) posts a D+ grade (58/100 RQD, P/E N/A, ROIC —, cap $385.5M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while FDBC leads on capital efficiency (11.8% ROIC).

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

Per ISTR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001602658), Investar Holding Corporation generated $1.19B in revenue (+4.0% YoY), $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.

Where is ISTR trading relative to its 50-day, 200-day, and 52-week technical levels?

ISTR last traded at $28.29 (+2.54% on volume of 84,169 shares), positioning the stock -3.51% below its 50-day simple moving average ($29.32) and -2.25% below its 200-day simple moving average ($28.94). Across its 52-week range of $22.95 to $31.77, ISTR sits at the 60.5% percentile with a 14-day RSI of 46.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($26.99 to $29.59).

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
ROARABLE RATING BRIEF • RQD 52/100 (D+) ✓ SEC XBRL & RQD VERIFIED

ISTR — Investar Holding Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Investar Holding Corporation (ISTR) earns a live Roarable RQD composite score of 52/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $28.29 (+2.54% 1D, market capitalization $389.8M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 7.6%, gross margin of —, operating margin of —, and free cash flow yield of 4.75%.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Investar Holding Corporation (ISTR) is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. The profile identifies its market capitalization as $0.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Investar Holding Corporation (ISTR) reported $1.19B in annual revenue (up from $1.14B in FY2024, +4.0% YoY) and $22.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($99.7M revenue, $16.7M net income) through FY2025, ISTR scaled operating cash flow to $18.2M and free cash flow to $18.2M, backed by $2.83B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 52/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.75% and institutional whale pillar of 6/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $22.95 – $31.77 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 16.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector-level reference is the classification as Financials / Major Banks, which per the RQD rating's macro pillar is associated with a beta of 1.0 and a sector-sensitivity component scored at 7 / 20.

  • Key Question #1: Can ISTR sustain or expand its — operating margin and 7.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.19B and free cash flow of $18.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ISTR's 15.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ISTR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Investar Holding Corporation (ISTR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ISTR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ISTR Bull vs. Bear Conversation Board — What's Your Call at $28.29?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ISTR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ISTR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $34.21 (+24.0%)
📌 Pinned Debate

Insider-flow pillar is the strongest component at 15/20 and the FCF yield of 4.75% offers cash-generation support at the current price.

Here is why I am bullish on ISTR here at $27.59: Insider-flow pillar is the strongest component at 15/20 and the FCF yield of 4.75% offers cash-generation support at the current price.. Compare ISTR's 0.0% operating margin and 7.6% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $26.21 are getting bought.

VolSurface_Trader 🐂 BULL

Both sides have a point here — ISTR's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $22.35 (-19.0%)
Spot @ $27.59

Whale 13F flow scores only 6/20 and the overall RQD grade of D+ signals weak fundamentals per the rating.

Careful chasing ISTR at $27.59. Whale 13F flow scores only 6/20 and the overall RQD grade of D+ signals weak fundamentals per the rating.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $22.35 on multiple compression.

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