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FDBC (69) PKBK (63) NWFL (72) USCB (59) ⌘ Pro Terminal β†’

Investar Holding Corporation (ISTR) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$28.29 +2.54% NASDAQ β€’ 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+ β€’ SELL / AVOID Cap $380.1M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ISTR Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is ISTR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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 $380.1M). 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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does ISTR compare to FDBC and PKBK in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), ISTR carries a Roarable D+ (52/100 RQD), trailing P/E of 16.7x, gross margin of β€”, and ROIC of 7.6%. By comparison, FDBC (Fidelity D & D Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.6x, ROIC 11.8%, cap $382.3M) and PKBK (Parke Bancorp Inc.) posts a C grade (63/100 RQD, P/E 10.3x, ROIC 11.6%, cap $383.2M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while USCB leads on capital efficiency (12.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ISTR?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $28.37 (+0.27%)🧬 Cannibal Buyback (-2.08% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 1.5% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 50.1% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510052
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ Β· 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
πŸ“¬ FREE ISTR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for ISTR)Realized 20D OHLCV Swing Band: Β±4.5%
Deterministic 5-Pillar Attribution (52/100 Composite)
πŸ” WHY ISTR SCORES 52/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy β€’ Cannibal Buyback (-2.08% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–Ό #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)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
60
Grade C$28.85-0.7% Next Q
Q2 (-2Q)
57
Grade C$28.65-3.8% Next Q
Q3 (-1Q)
55
Grade C$27.57+2.6% Next Q
Current
52
Grade D+$28.29-1.1% Hist 90D Ξ±
Trajectory: C (60) β†’ D+ (52)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a ISTR Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

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.

πŸš€ Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($29.36) and Max Pain ($29.70) forces dealer call-delta covering toward $33.36.

πŸš€ 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 $ISTRβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œISTR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 52%NO 48%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

ISTR Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (ISTR)

No recent open-market Form 4 cluster sales or emergency dumps flagged on ISTR. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ISTR)

  • βœ“Walkthrough of ISTR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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ISTR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.20%πŸ“ HORIZONTAL RANGE
2026-11-03O $27.83H $28.29L $27.59C $28.29VOL 82.8K
RES: $32.16SUP: $27.18SMA50: $29.36SMA200: $28.93
$31.67$30.00$28.33$26.65$24.98RES $32.16SUP $27.18$28.292026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ISTR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ ISTR Butterfly Map β†’ + Track ISTR β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ISTR)

Financials Rank #597 of 1097 βš”οΈ FDBC vs ISTR Full Matrix β†’

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

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 #761 by equity capitalization ($380.1M). Within this direct 5-issuer industry benchmark cohort, PKBK leads on earnings valuation at 10.3x trailing P/E, while USCB leads on capital efficiency and profitability with 12.0% ROIC and β€” 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 β€” 7.6% +2.54% $380.1M Benchmark Subject
FDBC
Fidelity D & D Bancorp Inc.
C+ 69/100 13.6x β€” 11.8% +3.39% $382.3M /fdbc-vs-istr β†’
PKBK
Parke Bancorp Inc.
C 63/100 10.3x β€” 11.6% +2.42% $383.2M /pkbk-vs-istr β†’
NWFL
Norwood Financial Corp.
B 72/100 14.0x β€” 11.5% +1.80% $387.1M /nwfl-vs-istr β†’
USCB
USCB Financial Holdings Inc. (Class A)
C- 59/100 14.1x β€” 12.0% +0.96% $367.3M /uscb-vs-istr β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001602658 β†—

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 β€”
FY2024 (FY) 2024-12-31 $1.14B $20.3M $15.9M $15.9M $2.72B β€”
FY2023 (FY) 2023-12-31 $99.7M $16.7M $26.2M $26.2M β€” β€”

3. ISTR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ 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 $380.1M). 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 FDBC and PKBK 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 β€”, and ROIC of 7.6%. By comparison, FDBC (Fidelity D & D Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.6x, ROIC 11.8%, cap $382.3M) and PKBK (Parke Bancorp Inc.) posts a C grade (63/100 RQD, P/E 10.3x, ROIC 11.6%, cap $383.2M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while USCB leads on capital efficiency (12.0% 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 -3.64% below its 50-day simple moving average ($29.36) and -2.21% below its 200-day simple moving average ($28.93). Across its 52-week range of $22.95 to $31.77, ISTR sits at the 60.5% percentile with a 14-day RSI of 35.0 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.5% ($27.02 to $29.56).

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 β€’ RQD 52/100 (D+) βœ“ SEC XBRL & RQD VERIFIED

ISTR β€” 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 $380.1M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 7.6%, gross margin of β€”, operating margin of β€”, 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

  • πŸ‚ Primary Bull Case (D+ β€’ 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 β€” 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 β€” 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to ISTR Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ISTR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ISTR:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER β€’ Price Action & Volume Trader πŸ‚ BULLISH 🎯 Target: $34.21 (+24.0%)
πŸ“Œ 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 πŸ‚ BULL

Both sides have a point here β€” 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 β€’ 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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