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ISTR

Investar Holding Corp
Chart
29.86 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-26 · 0.6w · Fresh
0.73
OS Score
70.0%
Value
20.0%
Quality
81.0%
Momentum
5/9
F-Score
0.374
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
5 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 39%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 70%
🛡
Low Volatility
Vol 23%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.82
⚡
Risk-Adj Momentum
RAM 1.66
V
Value Analysis
Cheapness relative to fundamentals
70.0%ile
P/E
12.2×
P/S
2.2×
P/B
1.0×
E/P
0.0644
FCF Yield
0.035
EBITDA/EV
0.069
SH Yield
-0.053
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
33.00000000
/100 — 1=cheapest
VC2 (Trending Value)
71.00000000
/100
VC3 (Buyback)
71.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
20.0%ile
ROE
0.080
ROA
0.009
Net Margin
0.178
Op Margin
0.193
GPA
0.030
D/E
8.19
Current
0.17
F-Score
5/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.221
Earn Growth
0.509
Stability
0.356
lower=better
Accruals
0.004
lower=better
5yr Consist
No
Highly leveraged with D/E of 8.19 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
81.0%ile
6M Return
7.3%
12M Return
39.5%
12-1 Mom
39.0%
Risk-Adj
1.66
Vol 252d
23.5%
Vol 60d
38.8%
↑ Expanding
Max DD 12M
-11.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 39% is very strong — a clear uptrend. Risk-adjusted momentum of 1.66 is excellent — strong returns relative to volatility. Near-term vol (39%) is expanding vs long-term (23%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.73
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
29.3%
Sector Quality %ile
4.0%
P/E z-score
-0.18
P/B z-score
-0.07
Sector Avg OS
85.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
NTRS Northern Trust Corporation 98.0% 94.0% 89.0% 81.0%
SBFG SB Financial Group Inc 98.0% 96.0% 93.0% 76.0%
BBDO Banco Bradesco S/A ADR 98.0% 97.0% 92.0% 79.0%
Factor Interactions
Trending Value Signal
Cheap (70th value) with strong momentum (81th). The market is starting to recognise the value.
Cheap for a Reason?
Looks cheap (70th value) but weak quality (20th). Classic value trap risk.
Growth at Reasonable Price
Revenue growing 22% with P/E of 12×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (39%) significantly exceeds 252-day (23%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
54.5% avg (7 factors)
Quality
F
29.6% avg (8 factors)
Momentum
B
68.9% avg (4 factors)
Risk
A
77.5% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.730—1—
Value %ile0.700—1—
Quality %ile0.200—8—
Momentum %ile0.810—8—
F-Score5.000—0—
Confidence1.000—8—
Volatility0.235—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.24
Earnings Yield (E/P)
0.0644
Price / Sales
2.18
Price / Book
0.98
Price / Cash Flow
22.58
FCF Yield
3.5%
EBITDA / EV
6.9%
Sales Yield (1/P·S)
0.3344
Shareholder Yield
Div + net buyback / mktcap
-5.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
8.0%
Return on Assets
0.9%
Net Margin
17.8%
Operating Margin
19.3%
Gross Profit / Assets
Novy-Marx GPA
3.0%
Debt / Equity
8.19
Current Ratio
0.17
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.004
External Financing
Net issuance — lower=better
0.008
MomentumPrice trend strength over different horizons
6M Return
7.3%
12M Return
39.5%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
39.0%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.66
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
22.1%
Earnings Growth (YoY)
50.9%
Earnings Stability (CV)
Lower = more stable
0.356
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
5
Dividend Yield
1.5%
Buyback Yield
-6.8%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
33
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
71
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
71
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity