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Investar Holding (ISTR) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Investar Holding (ISTR) Q3 2026 earnings results →

Q3 2026 Revenue up 53% year over year to $36.8M · 32¢ of every $1 of revenue kept as net profit · operating margin 38.6%

Investar Holding made $36.8M in Q3 2026 (+53% Y/Y): Net interest income $33.8M, Noninterest income $3.0M. Operating margin 38.6%, net earnings $11.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$36.8M
Year over year+53%
Operating margin38.6%
Net earnings$11.7M
Operating cash flow$11.1M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $36.8M in Q3 2026, up 53% year over year and up 1% from the previous quarter. Net interest income was the largest line at 92% of revenue.

Operating profit was $14.2M, a 38.6% margin (up 7.5 points year over year). Of the extra revenue versus Q3 2025, 53% reached operating profit, above the 31% margin then. Total costs grew 37% against revenue growth of 53%. Net earnings were $11.7M, up 89% year over year. The effective tax rate was 18.0%.

Operating cash flow was $11.1M (up 60% year over year), 96% of net earnings. Non-cash charges added back $1.3M of depreciation and amortization and $517K of share-based compensation. Working capital and other items used $2.3M. Capital expenditures of $166K left free cash flow of $11.0M.

Quarterly history

Investar Holding revenue by quarterInvestar Holding revenue by quarter$23.3MQ4 2024$24.0MQ1 2025$22.1MQ2 2025$24.0MQ3 2025$23.5MQ4 2025$36.8MQ3 2026
Investar Holding net earnings by quarterInvestar Holding net earnings by quarter$6.1MQ4 2024$6.3MQ1 2025$4.5MQ2 2025$6.2MQ3 2025$5.9MQ4 2025$11.7MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$36.8M+53%38.6%$11.7M$11.1M
Q4 202510-KMar 16, 2026$23.5M+0.9%30.9%$5.9M$3.6M
Q3 202510-QNov 5, 2025$24.0M+7%31.1%$6.2M$6.9M
Q2 202510-QAug 6, 2025$22.1M+9%24.5%$4.5M$3.2M
Q1 202510-QMay 7, 2025$24.0M+12%32.2%$6.3M$4.5M
Q4 202410-KMar 12, 2025$23.3M+18%31.1%$6.1M−$291K

Charts

Investar Holding: revenue growth, year over year and quarter over quarterInvestar Holding: revenue growth, year over year and quarter over quarterY/YQ/Q+18%Q4 2024+12%+3%Q1 2025+9%-8%Q2 2025+7%+8%Q3 2025+1%-2%Q4 2025+53%+56%Q3 2026
Latest (Q3 2026): Y/Y +53%, Q/Q +56%.
Investar Holding: where the cash came from (+) and went (−), TTM to Q3 2026Investar Holding: where the cash came from (+) and went (−), TTM to Q3 2026Other financing−$188MOther investing$108MNet borrowing (+) / repaid (−)$80.0MOperating cash flow$31.1MCash drawn (+) / kept (−)−$21.8MDividends−$5.3MBuybacks−$3.7MShares issued$374K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Investar Holding: profit against cash, quarter by quarterInvestar Holding: profit against cash, quarter by quarterNet incomeOperating cash flow$6.1M−$291KQ4 2024$6.3M$4.5MQ1 2025$4.5M$3.2MQ2 2025$6.2M$6.9MQ3 2025$5.9M$3.6MQ4 2025$12.0M$9.9MQ1 2026$9.5M$6.4MQ2 2026$11.7M$11.1MQ3 2026
Latest (Q3 2026): Net income $11.7M, Operating cash flow $11.1M.
Investar Holding: diluted shares by fiscal yearInvestar Holding: diluted shares by fiscal year11MFY202011MFY202110MFY202210MFY202310MFY202411MFY2025
-0.8% since FY2020: buybacks shrank the count.
Investar Holding in its industry: growth against margin (133 companies, SIC 6022)Investar Holding in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFISTR (+53%, 39%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Investar Holding

Investar Holding Corporation, a Louisiana corporation incorporated in 2009, is a financial holding company headquartered in Baton Rouge, Louisiana that conducts its operations primarily through its wholly-owned subsidiary, Investar Bank, National Association, a national bank chartered by the OCC. The Bank was originally chartered as a Louisiana commercial bank in 2006 and converted to a national bank in July 2019. Through the Bank, the Company offers a wide range of commercial banking products tailored to meet the needs of individuals, professionals, and small to medium-sized businesses.

In its own words, from its 10-K, filed Mar 16, 2026.

Investar Holding against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +53% against the peers' median +12%. Operating margin: 38.6% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
ISTR Investar HoldingQ3 2026$36.8M+53%38.6%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Investar Holding 10-Q on SEC EDGAR · CIK 1602658 · State Commercial Banks

Guidance and outlook

Investar Holding: what its forward-looking statements are about (10-Q filed 2026-11-05)Investar Holding: what its forward-looking statements are about (10-Q filed 2026-11-05)The economy4Other4Demand2Deals1Costs1Margins1Supply chain1Financing1
15 statements; tone +0.00 (−1 all cautious, +1 all confident); 2 hedged.
Investar Holding: outlook statements against the filing beforeInvestar Holding: outlook statements against the filing beforeConfident3Cautious3

13F: who owns ISTR and who is buying

Largest holders of ISTR (13F)Largest holders of ISTR (13F)BlackRock$37.6MVanguard Capital Management LLC$16.3MDimensional Fund Advisors LP$15.5MVanguard Group$14.2MGeode Capital Management, LLC$9.9MFourthstone LLC$9.7MBanc Funds Co LLC$9.2MRoyce & Associates LP$8.8MCitadel Advisors LLC$8.0MState Street$7.9M
Funds' net buying of ISTR by quarter (13F)Funds' net buying of ISTR by quarter (13F)−$11.9M2024-09−$3.1M2024-12−$5.0M2025-03$249K2025-06$10.4M2025-09$7.1M2025-12$22.7M2026-03$9.1M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on ISTR

History

Every quarter: Q3 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results

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中文版：Investar Holding（ISTR）财报

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