Overview
U.S. banking firm's Q4 adjusted EPS beat analyst expectations
Net interest margin improved to 3.20% for Q4 2025
Company completed acquisition of Wichita Falls Bancshares
Result Drivers
BALANCE SHEET OPTIMIZATION - Investar grew net interest margin by securing lower-cost funding and managing interest-earning assets
LOAN GROWTH - Total loans increased 1.2% during Q4 2025, driven by new business and variable-rate loans
ACQUISITION EXPANSION - Acquisition of Wichita Falls Bancshares expanded market presence into north Dallas and Wichita Falls
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Adjusted EPS | Beat | $0.58 | $0.53 (3 Analysts) |
Q4 EPS | $0.51 | ||
Q4 Net Income | $5.4 mln | ||
Q4 Net Interest Income | $21.63 mln | ||
Q4 Net Interest Margin (%) | 3.20% | ||
Q4 Provision for Credit Losses | -$75,000 |
Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"
The average consensus recommendation for the banks peer group is "buy"
Wall Street's median 12-month price target for Investar Holding Corp is $31.00, about 11% above its January 21 closing price of $27.94
The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago
Press Release: ID:nACSp9Hmya
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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)