Investar Holding Corp (ISTR) - Net Assets
Based on the latest financial reports, Investar Holding Corp (ISTR) has net assets worth $295.30 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.80 Billion) and total liabilities ($2.51 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Investar Holding Corp (ISTR) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $295.30 Million |
| % of Total Assets | 10.54% |
| Annual Growth Rate | 15.33% |
| 5-Year Change | -0.82% |
| 10-Year Change | 120.66% |
| Growth Volatility | 26.65 |
Investar Holding Corp - Net Assets Trend (2012–2024)
This chart illustrates how Investar Holding Corp's net assets have evolved over time, based on quarterly financial data. Also explore Investar Holding Corp balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Investar Holding Corp (2012–2024)
The table below shows the annual net assets of Investar Holding Corp from 2012 to 2024. For live valuation and market cap data, see ISTR market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $241.30 Million | +6.41% |
| 2023-12-31 | $226.77 Million | +5.09% |
| 2022-12-31 | $215.78 Million | -11.05% |
| 2021-12-31 | $242.60 Million | -0.28% |
| 2020-12-31 | $243.28 Million | +0.54% |
| 2019-12-31 | $241.98 Million | +32.76% |
| 2018-12-31 | $182.26 Million | +5.52% |
| 2017-12-31 | $172.73 Million | +53.19% |
| 2016-12-31 | $112.76 Million | +3.12% |
| 2015-12-31 | $109.35 Million | +5.77% |
| 2014-12-31 | $103.38 Million | +86.33% |
| 2013-12-31 | $55.48 Million | +27.39% |
| 2012-12-31 | $43.55 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Investar Holding Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3572.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $132.94 Million | 55.09% |
| Common Stock | $9.83 Million | 4.07% |
| Other Comprehensive Income | $98.53 Million | 40.83% |
| Total Equity | $241.30 Million | 100.00% |
Investar Holding Corp Competitors by Market Cap
The table below lists competitors of Investar Holding Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Trimegah Securities Tbk
JK:TRIM
|
$237.45 Million |
|
Asia Paper
KO:002310
|
$237.61 Million |
|
Steppe Gold Ltd
TO:STGO
|
$237.76 Million |
|
Gorilla Technology Group Inc.
NASDAQ:GRRR
|
$237.80 Million |
|
Groupe Pizzorno Environnement SA
PA:GPE
|
$237.28 Million |
|
Tungsten Mining NL
AU:TGN
|
$237.12 Million |
|
HARIM Co. Ltd
KQ:136480
|
$237.11 Million |
|
CN YUH.ED.CORP. HD-00001
F:2YU
|
$236.95 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Investar Holding Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 226,768,000 to 241,296,000, a change of 14,528,000 (6.4%).
- Net income of 20,252,000 contributed positively to equity growth.
- Dividend payments of 3,972,000 reduced retained earnings.
- Share repurchases of 305,000 reduced equity.
- Other comprehensive income decreased equity by 1,776,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $20.25 Million | +8.39% |
| Dividends Paid | $3.97 Million | -1.65% |
| Share Repurchases | $305.00K | -0.13% |
| Other Comprehensive Income | $-1.78 Million | -0.74% |
| Other Changes | $329.00K | +0.14% |
| Total Change | $- | 6.41% |
Book Value vs Market Value Analysis
This analysis compares Investar Holding Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.16x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.70x to 1.16x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2012-12-31 | $6.01 | $28.22 | x |
| 2013-12-31 | $7.65 | $28.22 | x |
| 2014-12-31 | $17.89 | $28.22 | x |
| 2015-12-31 | $15.07 | $28.22 | x |
| 2016-12-31 | $15.73 | $28.22 | x |
| 2017-12-31 | $20.22 | $28.22 | x |
| 2018-12-31 | $18.62 | $28.22 | x |
| 2019-12-31 | $23.85 | $28.22 | x |
| 2020-12-31 | $22.39 | $28.22 | x |
| 2021-12-31 | $23.10 | $28.22 | x |
| 2022-12-31 | $21.19 | $28.22 | x |
| 2023-12-31 | $23.04 | $28.22 | x |
| 2024-12-31 | $24.29 | $28.22 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Investar Holding Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.39%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.94%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.28x
- Recent ROE (8.39%) is above the historical average (6.94%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 5.42% | 12.96% | 0.05x | 8.62x | $-1.99 Million |
| 2013 | 5.71% | 11.77% | 0.04x | 11.44x | $-2.38 Million |
| 2014 | 5.22% | 14.50% | 0.04x | 8.51x | $-4.94 Million |
| 2015 | 6.47% | 15.49% | 0.04x | 9.43x | $-3.86 Million |
| 2016 | 6.99% | 16.64% | 0.04x | 10.28x | $-3.40 Million |
| 2017 | 4.75% | 14.38% | 0.04x | 9.39x | $-9.07 Million |
| 2018 | 7.47% | 17.42% | 0.04x | 9.80x | $-4.62 Million |
| 2019 | 6.96% | 17.60% | 0.04x | 8.88x | $-7.36 Million |
| 2020 | 5.71% | 13.11% | 0.05x | 9.54x | $-10.44 Million |
| 2021 | 3.30% | 7.41% | 0.04x | 10.36x | $-16.26 Million |
| 2022 | 16.55% | 28.99% | 0.04x | 12.76x | $14.13 Million |
| 2023 | 7.35% | 11.82% | 0.05x | 12.41x | $-6.00 Million |
| 2024 | 8.39% | 12.94% | 0.06x | 11.28x | $-3.88 Million |
Industry Comparison
This section compares Investar Holding Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $234,763,700
- Average return on equity (ROE) among peers: 11.63%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Investar Holding Corp (ISTR) | $295.30 Million | 5.42% | 8.48x | $237.39 Million |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $5.70 Billion |
| ACNB Corporation (ACNB) | $88.30 Million | 8.18% | 9.89x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $490.54 Million | 9.62% | 9.86x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $747.42 Million | 6.13% | 9.87x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $166.38 Million | 13.18% | 10.80x | $601.02 Million |
| Associated Banc-Corp (ASB) | $325.60 Million | 34.40% | 10.36x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $118.97 Million | 5.04% | 8.66x | $62.60 Million |
About Investar Holding Corp
Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals, professionals, and small to medium-sized businesses in south Louisiana, southeast Texas, and Alabama in the United States. The company offers various deposit products and services, such as savings, checking, money market, and individual retiremen… Read more