ISTR Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $29.41
Market Cap (MRQ) $405M
P/E 13.8
EPS $2.13
Div Yield 1.5%
ROE 8.2%
52W Range $21–$32

ISTR Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
range
bars

Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.

10-Year Performance Revenue, net income, margins and EPS trends

06
EPS$2.13
2016-12-31 → 2025-12-31
Free Cash Flow·
2016-12-31 → 2018-12-31
Net margin25.4%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend ISTR 5Y avg Peer Median Verdict
P/E 13.85Y avg ≈12.5 ≈12.5 11.1 Overvalued
P/S 3.25Y avg ≈2.2 ≈2.2 17.0 Undervalued
P/B (MRQ) 1.05Y avg ≈0.8 ≈0.8 1.0 Fair value
Price / Cash Flow 15.85Y avg ≈8.8 ≈8.8 11.7 Overvalued
Price / Tangible Book (MRQ) 1.05Y avg ≈1.0 ≈1.0 · ·
PEG Ratio ≈1.3 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield1.5%
Payout Ratio18.5%
Annualized Payout≈$0.48Paid quarterly
5Y Div CAGR≈12.0%Per share, split-adjusted
Growth Streak≈10Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Jun 30, 2026$0.12USD≈1.5%
Mar 31, 2026$0.11USD≈1.6%
Dec 31, 2025$0.11USD≈1.6%
Sep 30, 2025$0.11USD≈1.9%
Jun 30, 2025$0.11USD≈2.2%
Mar 31, 2025$0.11USD≈2.4%
Dec 31, 2024$0.11USD≈1.9%
Sep 30, 2024$0.11USD≈2.1%
Jul 1, 2024$0.10USD≈2.6%
Mar 28, 2024$0.10USD≈2.4%
Dec 29, 2023$0.10USD≈2.6%
Sep 29, 2023$0.10USD≈3.7%
Jun 30, 2023$0.10USD≈3.2%
Mar 30, 2023$0.10USD≈2.6%
Dec 29, 2022$0.10USD≈1.7%
Sep 29, 2022$0.10USD≈1.8%
Jun 29, 2022$0.09USD≈1.5%
Mar 30, 2022$0.09USD≈1.7%
Dec 30, 2021$0.08USD≈1.7%
Sep 29, 2021$0.08USD≈1.4%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise 20.0%
Next Report Oct 19, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 20, 2026 $0.75 $0.72 4.1%
March 31, 2026 $0.87 $0.69 26.1%
Dec. 31, 2025 $0.58 $0.54 8.0%
Sept. 30, 2025 $0.54 $0.47 15.9%
June 30, 2025 $0.47 $0.39 21.3%
March 31, 2025 $0.64 $0.44 44.8%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 9
Metric Trend 202520242023202220212020201920182017201620152014
Interest Expense ··$59M$15M$12M$20M$25M$17M$11M$8M$6M$5M
Interest Income $144M$144M$133M$105M$96M$94M$89M$74M$53M$43M$37M$31M
Pretax Income $28M$24M$20M$44M$10M$17M$21M$17M$12M$11M$11M$7M
Income Tax $5M$4M$4M$9M$2M$3M$4M$4M$4M$4M$4M$1M
Net Income $23M$20M$17M$36M$8M$14M$17M$14M$8M$8M$7M$5M
EPS (Basic) $2.22$2.06$1.69$3.54$0.77$1.27$1.68$1.41$0.96$1.11$0.98$0.98
EPS (Diluted) $2.13$2.04$1.69$3.50$0.76$1.27$1.66$1.39$0.96$1.10$0.97$0.93
Shares (Basic) 9,829,1309,813,6949,839,25810,085,75810,416,14510,850,9369,931,4979,538,8918,399,5847,107,1877,214,0455,533,514
Shares (Diluted) 10,776,9859,936,0809,841,84110,180,70910,500,30210,865,84710,031,0189,664,8438,456,9287,149,8347,258,0085,777,302
Balance Sheet 17
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents ·········$29M$21M$19M
PP&E (Net) $40M$41M$44M$50M$58M$56M$51M$40M$38M$32M$31M$29M
PP&E (Gross) ···········$33M
Accum. Depreciation $24M$22M$19M$22M$19M$16M$12M$10M$8M$7M$5M$4M
Goodwill $40M$40M$40M$40M$40M$28M$26M····$3M
Intangibles $996.0K$2M$2M$3M$4M$4M$5M$2M$3M$450.0K$491.0K$532.0K
Total Assets $2.83B$2.72B$2.82B$2.75B$2.51B$2.32B$2.15B$1.79B$1.62B$1.16B$1.03B$879M
Total Liabilities $2.53B$2.48B$2.59B$2.54B$2.27B$2.08B$1.91B$1.60B$1.45B$1.05B$922M$776M
Long-term Debt $10M$10M$10M$10M$10M·······
Common Stock $10M$10M$10M$10M$10M$11M$11M$9M$10M$7M$7M$7M
Paid-in Capital $146M$147M$145M$147M$155M$159M······
Retained Earnings $151M$133M$117M$108M$76M$71M$60M$46M$33M$26M$19M$12M
Treasury Stock ··········$634.0K$23.0K
AOCI $-36M$-48M$-45M$-49M$1M$2M$2M$-3M$-2M$-2M$-663.0K$121.0K
Stockholders' Equity $301M$241M$227M$216M$243M$243M$242M$182M$173M$113M$109M$103M
Liabilities + Equity $2.83B$2.72B$2.82B$2.75B$2.51B$2.32B$2.15B$1.79B$1.62B$1.16B$1.03B$879M
Shares Outstanding 9,798,9489,828,4139,748,0679,901,84710,343,49410,608,86911,228,7759,484,2199,514,9267,101,8517,264,2827,262,085
Cash Flow 16
Metric Trend 202520242023202220212020201920182017201620152014
D&A $3M$3M$4M$4M$5M$5M$3M$3M$2M$1M$1M$1M
Stock-based Comp $2M$2M$2M$2M$2M$2M$1M$1M$786.0K$609.0K$385.0K$228.0K
Deferred Tax $-349.0K$659.0K$-350.0K$-655.0K$-547.0K$-1M$153.0K$841.0K$245.0K$-207.0K$-386.0K$-134.0K
Operating Cash Flow $18M$16M$26M$43M$33M$18M$19M$16M$9M$37M$38M$-88M
CapEx ·······$5M$2M$4M$4M$5M
Investing Cash Flow $-84M$90M$-73M$-351M$53M$-148M$-103M$-182M$-98M$-152M··
Debt Issued $20M$60M$0$0$0$0$24M$75M$55M$5M$3M$8M
Net Debt Issued $20M$60M··$0$-3M$12M$17M$34M$-11M$-11M$4M
Stock Issued ····$0$0$29M$0$33M$0$0·
Stock Repurchased $2M$305.0K$3M$11M$7M$11M$8M$3M$506.0K$3M$572.0K$6.0K
Net Stock Activity $-2M$-305.0K$-3M$-11M$-7M$-11M$20M$-3M$32M$-3M$-572.0K$-6.0K
Dividends Paid $4M$4M$4M$4M$3M$3M$2M$1M$722.0K$278.0K$221.0K$194.0K
Financing Cash Flow $79M$-110M$39M$251M$-25M$121M$112M$153M$90M$123M··
Net Change in Cash $14M$-4M$-8M$-57M$62M$-9M$28M$-13M$973.0K$8M$1M$-9M
Free Cash Flow ·······$11M$7M$33M$33M$-93M
Levered FCF ·······$-2M$241.9K$28M$30M$-97M
Profitability 4
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 25.4%24.1%20.6%33.0%8.3%16.2%23.7%22.1%17.7%19.6%17.8%16.6%
Pretax Margin 30.9%29.1%25.2%41.0%10.3%20.2%29.5%27.9%26.9%28.6%26.6%20.1%
ROA 0.82%0.73%0.60%1.4%0.33%0.62%0.86%0.80%0.59%0.72%0.74%0.71%
ROE 8.2%8.3%7.7%16.9%3.3%5.8%7.4%7.5%5.0%7.1%6.7%6.8%
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.00.00.00.00.00.00.00.00.00.00.00.0
Per Share 6
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share $30.73$24.55$23.26$21.79$23.45$22.93$21.55$19.22$18.15$15.88$15.05$14.24
Revenue / Share $8.37$8.45$8.24$10.62$9.13$7.88$7.08$6.38$5.48$5.62$5.48$5.63
Cash Flow / Share $1.69$1.60$2.67$4.20$3.19$1.63$1.85$1.70$1.12$5.22$5.17$-15.16
Cash / Share ·········$4.13$2.86$2.62
Dividend / Share $0.43$0.41$0.40$0.36$0.31$0.25$0.23$0.17$0.10$0.04$0.03$0.04
EPS (TTM) $2.13$2.04$1.69$3.50$0.76$1.27$1.66$1.39$0.96$1.10$0.97$0.93
Growth Rates 10
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 7.5%3.6%-25.0%12.8%11.9%·······
Revenue CAGR 3Y -5.9%-4.3%-1.8%·········
Revenue CAGR 5Y 1.1%···········
EPS YoY 4.4%20.7%-51.7%360.5%-40.2%·······
EPS CAGR 3Y -15.3%39.0%10.0%·········
EPS CAGR 5Y 10.9%···········
Net Income YoY 13.1%21.4%-53.3%346.4%-42.4%·······
Net Income CAGR 3Y -13.8%36.3%6.3%·········
Net Income CAGR 5Y 10.5%···········
Dividends Paid CAGR 5Y 9.5%···········
Valuation (TTM) 13
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $90M$84M$81M$108M$96M$86M$71M$62M$46M$40M$40M$33M
Net Income TTM $23M$20M$17M$36M$8M$14M$17M$14M$8M$8M$7M$5M
Market Cap $262M$216M$145M$213M$190M$175M$269M$235M$229M$132M$128M$101M
P/E 12.510.88.86.224.213.014.517.825.117.018.114.9
P/S 2.92.61.82.02.02.03.83.84.93.33.23.1
P/B 0.90.90.61.00.80.71.11.31.31.21.21.0
P / Tangible Book 1.01.10.81.21.00.8······
P / Cash Flow 14.413.65.55.05.79.914.514.324.23.63.4-1.1
P / FCF ·······20.531.14.03.8-1.1
Dividend Yield 1.6%1.8%2.6%1.7%1.6%1.5%0.80%0.62%0.31%0.21%0.17%0.19%
Earnings Yield 8.0%9.3%11.3%16.3%4.1%7.7%6.9%5.6%4.0%5.9%5.5%6.7%
Payout Ratio 18.5%19.6%23.1%10.0%38.6%19.3%12.9%10.8%8.8%3.5%3.1%3.6%
Annual Payout $4M$4M$4M$4M$3M$3M$2M$1M$722.0K$278.0K$221.0K$194.0K

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $23M $20M $17M $36M $8M
Diluted EPS $2.13 $2.04 $1.69 $3.50 $0.76

Institutional owners (13F) 124 filers · $254.1M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 124
Value held $254.1M
New positions 25
Exited positions 11
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
25 (+1 vs prior Q) 11 (+1 vs prior Q) 52 (+11 vs prior Q) 27 (+4 vs prior Q) +418K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $37,649,217 1,256,649 14.82% Shares
VANGUARD CAPITAL MANAGEMENT LLC $16,344,828 545,555 6.43% Shares
DIMENSIONAL FUND ADVISORS LP $15,474,503 516,506 6.09% Shares
VANGUARD GROUP INC $14,227,973 532,484 5.60% Shares
GEODE CAPITAL MANAGEMENT, LLC $9,939,746 331,684 3.91% Shares
Fourthstone LLC $9,671,652 322,428 3.81% Shares
BANC FUNDS CO LLC $9,194,604 306,896 3.62% Shares
ROYCE & ASSOCIATES LP $8,750,897 292,086 3.44% Shares
CITADEL ADVISORS LLC $8,011,244 267,398 3.15% Shares
STATE STREET CORP $7,908,836 262,939 3.11% Shares
ALLIANCEBERNSTEIN L.P. $7,778,086 285,225 3.06% Shares
TWO SIGMA INVESTMENTS, LP $7,328,995 244,626 2.88% Shares
Texas Capital Bank Wealth Management Services Inc $5,056,619 168,779 1.99% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $4,847,139 161,787 1.91% Shares
MALTESE CAPITAL MANAGEMENT LLC $4,820,564 160,900 1.90% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $4,631,247 154,581 1.82% Shares
MORGAN STANLEY $4,580,742 152,895 1.80% Shares
KENNEDY CAPITAL MANAGEMENT LLC $4,176,005 139,386 1.64% Shares
RENAISSANCE TECHNOLOGIES LLC $3,944,983 131,675 1.55% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $3,915,083 130,677 1.54% Shares
Qube Research & Technologies Ltd $3,899,983 130,173 1.54% Shares
NORTHERN TRUST CORP $3,671,657 122,552 1.45% Shares
GOLDMAN SACHS GROUP INC $2,848,986 95,093 1.12% Shares
JPMORGAN CHASE & CO $2,758,040 92,273 1.09% Shares
VANGUARD FIDUCIARY TRUST CO $2,476,254 82,652 0.97% Shares
AMERICAN CENTURY COMPANIES INC $2,374,360 79,251 0.93% Shares
HighTower Advisors, LLC $2,229,264 74,408 0.88% Shares
Invesco Ltd. $2,157,420 72,010 0.85% Shares
Kestra Advisory Services, LLC $2,138,424 71,091 0.84% Shares
Connor, Clark & Lunn Investment Management Ltd. $2,117,213 70,668 0.83% Shares
Empowered Funds, LLC $2,085,576 69,612 0.82% Shares
XTX Topco Ltd $1,815,995 60,614 0.71% Shares
HSBC HOLDINGS PLC $1,732,326 57,802 0.68% Shares
MENDON CAPITAL ADVISORS CORP $1,729,890 57,740 0.68% Shares
Glass Wealth Management Co LLC $1,495,094 49,903 0.59% Shares
Bank of New York Mellon Corp $1,375,763 45,920 0.54% Shares
D. E. Shaw & Co., Inc. $1,357,188 45,300 0.53% Shares
AQR CAPITAL MANAGEMENT LLC $1,264,164 42,195 0.50% Shares
STEEL GROVE CAPITAL ADVISORS, LLC $1,252,464 41,805 0.49% Shares
Squarepoint Ops LLC $1,219,432 40,702 0.48% Shares
MARSHALL WACE, LLP $1,218,952 40,686 0.48% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $1,174,162 39,191 0.46% Shares
OCCUDO QUANTITATIVE STRATEGIES LP $1,032,152 34,451 0.41% Shares
SEI INVESTMENTS CO $947,455 31,624 0.37% Shares
O'SHAUGHNESSY ASSET MANAGEMENT, LLC $913,750 30,499 0.36% Shares
Quadrature Capital Ltd $814,133 27,174 0.32% Shares
True North Advisors, LLC $811,676 27,092 0.32% Shares
BANK OF AMERICA CORP /DE/ $746,364 24,912 0.29% Shares
Schonfeld Strategic Advisors LLC $721,256 24,074 0.28% Shares
Trexquant Investment LP $712,838 23,793 0.28% Shares

Show all 124 institutional owners →

Company insiders 34 insiders · 12 officers · 23 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
John J D'Angelo Chief Executive Officer April 1, 2026 A 252,956 0 1 $-732,826
Corey E Moore Deputy Chief Financial Officer Aug. 1, 2026 F 8,585 0 0 $0
John R Campbell Chief Financial Officer April 1, 2026 A 29,147 0 0 $0
Christopher L Hufft Chief Financial Officer April 1, 2022 A 39,484 0 0 $0
Jeffrey Wayne Martin Chief Risk Officer April 1, 2026 A 24,466 0 0 $0
Linda M Crochet Chief Operations Officer April 1, 2026 A 29,275 0 0 $0
Candace J Leblanc Chief Accounting Officer April 1, 2022 F 8,761 0 0 $0
Cherco Rachel P. Chief Accounting Officer May 7, 2021 W 14,858 0 0 $0
Travis M Lavergne Chief Credit Officer April 1, 2021 A 12,326 0 0 $0
Dane M. Babin Chief Operations Officer Jan. 5, 2021 I 9,687 0 0 $0
Randolf F Kassmeier Executive VP & General Counsel April 1, 2020 F 13,972 0 0 $0
Ryan P Finnan EVP, Banking President April 1, 2020 F 17,658 0 0 $0
Robert Chris Jordan Director April 23, 2026 P 60,798 2 0 $96,338
David A Flack Director Jan. 21, 2026 A 432,552 0 0 $0
James F Dunkerley Director Jan. 21, 2026 A 12,877 0 0 $0
Julio A Melara Director Jan. 21, 2026 A 11,903 0 0 $0
James E Yegge Director Jan. 21, 2026 A 16,565 0 0 $0
Rose J Hudson Director Jan. 21, 2026 A 10,822 0 0 $0
Frank L. Walker Director Jan. 21, 2026 A 14,225 0 0 $0
Andrew C Nelson Director Jan. 21, 2026 A 147,738 0 0 $0
Suzanne O Middleton Director Jan. 21, 2026 A 41,303 0 0 $0
Gordon H Joffrion III Director Jan. 21, 2026 A 26,954 0 0 $0
Scott G Ginn Director Jan. 21, 2026 A 11,556 0 0 $0
William H Hidalgo Director Jan. 21, 2026 A 56,547 0 0 $0
Anita M Fontenot Director Jan. 17, 2024 A 13,762 0 0 $0
David J Lukinovich Director Jan. 17, 2024 A 20,808 0 0 $0
Robert M Boyce Sr Director Jan. 18, 2023 A 58,091 0 0 $0
James H Boyce III Director Jan. 18, 2023 A 32,220 0 0 $0
James M Baker Director Oct. 28, 2022 S 7,650 0 0 $0
Thomas C Besselman Sr Director Jan. 19, 2022 A 95,542 0 0 $0
Carl R Schneider Jr Director Jan. 1, 2019 A 10,383 0 0 $0
John Emmett Brignac Jr Director Jan. 1, 2016 A 12,317 0 0 $0
Robert L Freeman Director Jan. 1, 2016 A 9,335 0 0 $0
James L Nelson Director June 30, 2014 P 9,344 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 20 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.09% 44,258 SH Sept. 11, 2026 Daily
DFSV · Dimensional ETF Trust 0.03% 68,217 NS July 31, 2026 N-PORT
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 11,147 SH Aug. 19, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.02% 1,544 SH Sept. 28, 2026 Daily
PRFZ · Invesco Exchange-Traded Fund Trust 0.01% 13,325 SH Oct. 2, 2026 Daily
IWM · iShares Trust 0.01% 341,492 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.01% 6,122 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.01% 53,699 NS July 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 73,785 SH Aug. 19, 2026 Daily
DFAS · Dimensional ETF Trust 0.01% 45,490 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 28,826 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 1,233 NS July 31, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 3,724 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 2,055 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 136,336 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 395,631 SH Aug. 19, 2026 Daily
VIG · VANGUARD SPECIALIZED FUNDS 0.00% 68,439 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 1,210 SH Aug. 19, 2026 Daily
DXUV · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
IWN · iShares Trust · 127,815 SH Sept. 11, 2026 Daily

ISTR Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 9 analysts BUY
Median target $35.00 +19.0%
2 22.2% Strong Buy
5 55.6% Buy
2 22.2% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

3 analysts · 2026-09-29

Mean target $34.25 +16.5%

← Below all targets Current price $29.41
Low$32.50 Mean$34.25 High$35.25

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
ISTR $262M 12.5 7.5% 25.4% 8.2% ·
PLBC $311M 9.8 · 30.1% 13.0% ·
CBAN $379M 11.2 14.5% 21.4% 8.4% ·
USCB · 13.8 9.1% 28.9% 11.6% ·
MVBF · 12.5 10.2% · · ·
PCB $308M 8.4 4.5% 1291.9% 9.8% ·
CHMG · 17.8 -2.2% 15.9% 6.2% ·
PKBK · 7.9 26.8% 47.3% 11.9% ·
FRST $344M 5.6 51.9% 27.5% 15.9% ·

Latest News Recent headlines mentioning this company

23

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.

Your selection is saved and follows you across all tickers.

Source: SEC 10-Q filed Aug 6, 2026