ISTR Investar Holding Corporation - Common Stock
$30.61
Price · Aug 19, 2026
Fundamentals as of Aug 6, 2026
52W Range
$21–$32
89% of range
Analyst Rating
BUY
9 analysts
Price Target
$34
+12% upside
P/E (TTM)
14.4
ROE
8.2%
Net Profit Margin
25.4%
ISTR Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$30.61
Market Cap
$300M
P/E (TTM)
14.4
EPS (TTM)
$2.13
Revenue (TTM)
—
Div Yield
1.4%
ROE
8.2%
Debt/Equity
—
52W Range
$21 – $32
ISTR Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$2.13
2016-12-31
→
2025-12-31
Free Cash Flow
—
2016-12-31
→
2018-12-31
Margins
25.4%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
ISTR
Peer Median
P/E (TTM)
14.4
12.8
P/S (TTM)
3.3
1.9
P/B
1.0
1.0
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
ISTR
Peer Median
Net Profit Margin
25.4%
25.4%
ROA
0.82%
1.0%
ROE
8.2%
11.0%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
ISTR
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
ISTR
Peer Median
Revenue YoY
7.5%
—
Revenue CAGR 3Y
-5.9%
—
Revenue CAGR 5Y
1.1%
—
EPS YoY
4.4%
—
Net Income YoY
13.1%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
ISTR
Peer Median
Payout Ratio
18.5%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.4%
Payout Ratio
18.5%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| June 30, 2026 | $0.1200 |
| March 31, 2026 | $0.1100 |
| Dec. 31, 2025 | $0.1100 |
| Sept. 30, 2025 | $0.1100 |
| June 30, 2025 | $0.1100 |
| March 31, 2025 | $0.1050 |
| Dec. 31, 2024 | $0.1050 |
| Sept. 30, 2024 | $0.1050 |
| July 1, 2024 | $0.1000 |
| March 28, 2024 | $0.1000 |
| Dec. 29, 2023 | $0.1000 |
| Sept. 29, 2023 | $0.1000 |
| June 30, 2023 | $0.1000 |
| March 30, 2023 | $0.0950 |
| Dec. 29, 2022 | $0.0950 |
| Sept. 29, 2022 | $0.0950 |
| June 29, 2022 | $0.0900 |
| March 30, 2022 | $0.0850 |
| Dec. 30, 2021 | $0.0800 |
| Sept. 29, 2021 | $0.0800 |
ISTR Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
9 analysts
- Strong Buy 2 22.2%
- Buy 5 55.6%
- Hold 2 22.2%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-18
Median
$35.00
Mean
$34.25
← Below all targets
$30.61
Low
$32.50
High
$35.25
Median target
$35.00
+14.3%
Mean target
$34.25
+11.9%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.10%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.75 | $0.72 | 0.03% |
| March 31, 2026 | $0.87 | $0.69 | 0.18% |
| Dec. 31, 2025 | $0.58 | $0.54 | 0.04% |
| Sept. 30, 2025 | $0.54 | $0.47 | 0.07% |
| June 30, 2025 | $0.47 | $0.39 | 0.08% |
| March 31, 2025 | $0.64 | $0.44 | 0.20% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| ISTR | $262M | 12.5 | 7.5% | 25.4% | 8.2% | — |
| AVBC | $337M | -93.4 | 14.7% | -3.2% | -1.1% | — |
| PLBC | $311M | 9.8 | — | 30.1% | 13.0% | — |
| PBFS | $338M | 16.2 | 15.2% | 128.3% | 6.4% | — |
| USCB | — | 13.8 | 9.1% | 28.9% | 11.6% | — |
| FRST | $344M | 5.6 | 51.9% | 27.5% | 15.9% | — |
| PKBK | — | 7.9 | 26.8% | 47.3% | 11.9% | — |
| CHMG | — | 17.8 | -2.2% | 15.9% | 6.2% | — |
| MVBF | — | 12.5 | 10.2% | — | — | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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) | 9,829,130 | 9,813,694 | 9,839,258 | 10,085,758 | 10,416,145 | 10,850,936 | 9,931,497 | 9,538,891 | 8,399,584 | 7,107,187 | 7,214,045 | 5,533,514 | |
| Shares (Diluted) | 10,776,985 | 9,936,080 | 9,841,841 | 10,180,709 | 10,500,302 | 10,865,847 | 10,031,018 | 9,664,843 | 8,456,928 | 7,149,834 | 7,258,008 | 5,777,302 |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 9,798,948 | 9,828,413 | 9,748,067 | 9,901,847 | 10,343,494 | 10,608,869 | 11,228,775 | 9,484,219 | 9,514,926 | 7,101,851 | 7,264,282 | 7,262,085 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 9.5% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 12.5 | 10.8 | 8.8 | 6.2 | 24.2 | 13.0 | 14.5 | 17.8 | 25.1 | 17.0 | 18.1 | 14.9 | |
| P/S | 2.9 | 2.6 | 1.8 | 2.0 | 2.0 | 2.0 | 3.8 | 3.8 | 4.9 | 3.3 | 3.2 | 3.1 | |
| P/B | 0.9 | 0.9 | 0.6 | 1.0 | 0.8 | 0.7 | 1.1 | 1.3 | 1.3 | 1.2 | 1.2 | 1.0 | |
| P / Tangible Book | 1.0 | 1.1 | 0.8 | 1.2 | 1.0 | 0.8 | · | · | · | · | · | · | |
| P / Cash Flow | 14.4 | 13.6 | 5.5 | 5.0 | 5.7 | 9.9 | 14.5 | 14.3 | 24.2 | 3.6 | 3.4 | -1.1 | |
| P / FCF | · | · | · | · | · | · | · | 20.5 | 31.1 | 4.0 | 3.8 | -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 |
Income Statement 9
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $19M | · | $16M | $14M | $11M | · | $4M | |
| Interest Income | $53M | $53M | $37M | $37M | $35M | $34M | $36M | $37M | $36M | $36M | $37M | $33M | $32M | $31M | $29M | $27M | |
| Pretax Income | $12M | $15M | $7M | $7M | $5M | $8M | $7M | $6M | $5M | $6M | $4M | $3M | $8M | $5M | $11M | $9M | |
| Income Tax | $2M | $3M | $1M | $1M | $935.0K | $1M | $1M | $784.0K | $829.0K | $1M | $782.0K | $585.0K | $2M | $874.0K | $2M | $2M | |
| Net Income | $9M | $12M | $6M | $6M | $4M | $6M | $6M | $5M | $4M | $5M | $4M | $3M | $7M | $4M | $9M | $7M | |
| EPS (Basic) | $0.64 | $0.84 | $0.55 | $0.57 | $0.46 | $0.64 | $0.62 | $0.55 | $0.41 | $0.48 | $0.36 | $0.28 | $0.67 | $0.38 | $0.90 | $0.74 | |
| EPS (Diluted) | $0.61 | $0.77 | $0.50 | $0.54 | $0.46 | $0.63 | $0.61 | $0.54 | $0.41 | $0.48 | $0.36 | $0.28 | $0.67 | $0.38 | $0.88 | $0.73 | |
| Shares (Basic) | 13,788,871 | 13,762,593 | -19,678,233 | 9,830,387 | 9,844,351 | 9,832,625 | -19,612,611 | 9,828,776 | 9,827,903 | 9,769,626 | -19,765,121 | 9,814,727 | 9,880,721 | 9,908,931 | -20,364,196 | 9,965,374 | |
| Shares (Diluted) | 15,540,312 | 15,553,534 | -20,670,225 | 11,527,876 | 9,958,394 | 9,960,940 | -19,735,511 | 9,902,448 | 9,902,170 | 9,866,973 | -19,849,618 | 9,817,607 | 9,881,385 | 9,992,467 | -20,544,862 | 10,086,249 |
Balance Sheet 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $60M | $60M | $40M | $40M | $40M | $40M | $41M | $42M | $42M | $43M | · | $45M | $46M | $48M | · | $50M | |
| Accum. Depreciation | $25M | $25M | $24M | $23M | $23M | $22M | $22M | $21M | $21M | $20M | · | $22M | $22M | $22M | · | $21M | |
| Goodwill | $58M | $58M | $40M | · | · | · | $40M | · | · | · | · | · | · | · | · | · | |
| Intangibles | $13M | $14M | $996.0K | · | · | · | $2M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $3.86B | $3.88B | $2.83B | $2.80B | $2.75B | $2.73B | $2.72B | $2.80B | $2.79B | $2.79B | · | $2.79B | $2.75B | $2.75B | · | $2.66B | |
| Total Liabilities | $3.44B | $3.46B | $2.53B | $2.51B | $2.49B | $2.48B | $2.48B | $2.56B | $2.56B | $2.56B | · | $2.58B | $2.54B | $2.53B | · | $2.46B | |
| Long-term Debt | · | · | $10M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Common Stock | $14M | $14M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | · | $10M | $10M | $10M | · | $10M | |
| Paid-in Capital | $246M | $247M | $146M | $146M | $146M | $147M | $147M | $146M | $146M | $146M | · | $145M | $145M | $146M | · | $146M | |
| Retained Earnings | $168M | $160M | $151M | $146M | $142M | $138M | $133M | $128M | $124M | $120M | · | $114M | $112M | $107M | · | $100M | |
| AOCI | $-38M | $-37M | $-36M | $-37M | $-42M | $-43M | $-48M | $-39M | $-49M | $-49M | · | $-60M | $-49M | $-44M | · | $-51M | |
| Stockholders' Equity | $420M | $415M | $301M | $295M | $256M | $252M | $241M | $246M | $230M | $227M | $227M | $209M | $218M | $218M | $216M | $206M | |
| Liabilities + Equity | $3.86B | $3.88B | $2.83B | $2.80B | $2.75B | $2.73B | $2.72B | $2.80B | $2.79B | $2.79B | · | $2.79B | $2.75B | $2.75B | · | $2.66B | |
| Shares Outstanding | 13,777,385 | 13,741,225 | 9,798,948 | 9,825,883 | 9,839,848 | 9,821,446 | 9,828,413 | 9,827,622 | 9,828,825 | 9,781,946 | 9,748,067 | 9,779,688 | 9,831,145 | 9,900,648 | 9,901,847 | 9,901,078 |
Cash Flow 12
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $1M | $678.0K | $683.0K | $710.0K | $721.0K | $736.0K | $760.0K | $787.0K | $812.0K | $909.0K | $900.0K | $919.0K | $1M | $1M | $1M | |
| Stock-based Comp | $517.0K | $473.0K | $504.0K | $512.0K | $514.0K | $450.0K | $514.0K | $519.0K | $514.0K | $409.0K | $522.0K | $527.0K | $506.0K | $433.0K | $736.0K | $502.0K | |
| Deferred Tax | $632.0K | $2M | $-133.0K | $-188.0K | $-20.0K | $-8.0K | $255.0K | $29.0K | $212.0K | $163.0K | $-64.0K | $-276.0K | $106.0K | $-116.0K | $-67.0K | $-342.0K | |
| Operating Cash Flow | $6M | $10M | $4M | $7M | $3M | $4M | $-291.0K | $6M | $3M | $8M | $296.0K | $11M | $3M | $12M | $9M | $12M | |
| Investing Cash Flow | $8M | $155M | $-25M | $-67M | $-8M | $16M | $15M | $9M | $30M | $36M | $-48M | $-49M | $35M | $-11M | $-87M | $-106M | |
| Debt Issued | $20M | $40M | $20M | $0 | $0 | $0 | $0 | · | · | · | $0 | · | · | · | · | · | |
| Net Debt Issued | · | $40M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Stock Repurchased | $763.0K | $2M | $689.0K | $321.0K | $634.0K | $649.0K | $0 | $38.0K | $94.0K | $173.0K | $338.0K | $677.0K | $1M | $912.0K | $206.0K | $3M | |
| Net Stock Activity | · | $-2M | · | · | · | $-649.0K | · | · | · | $-173.0K | · | · | · | $-912.0K | · | · | |
| Dividends Paid | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $983.0K | $982.0K | $975.0K | $980.0K | $981.0K | $940.0K | $943.0K | $943.0K | $903.0K | |
| Financing Cash Flow | $-21M | $-127M | $27M | $40M | $16M | $-5M | $-73M | $2M | $-5M | $-34M | $16M | $36M | $-3M | $-10M | $82M | $80M | |
| Net Change in Cash | $-7M | $38M | $6M | $-20M | $12M | $16M | $-58M | $17M | $28M | $10M | $-32M | $-2M | $35M | $-9M | $4M | $-15M |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 25.9% | 33.7% | · | 25.6% | 20.2% | 30.9% | · | 25.1% | 20.3% | 23.6% | · | 14.6% | 32.0% | 17.9% | · | 28.0% | |
| Pretax Margin | 31.8% | 41.8% | · | 31.0% | 24.4% | 37.9% | · | 28.8% | 24.5% | 30.5% | · | 17.6% | 39.4% | 22.1% | · | 34.4% | |
| ROA | 0.29% | 0.36% | · | 0.22% | 0.16% | 0.23% | · | 0.19% | 0.15% | 0.17% | · | 0.10% | 0.25% | 0.14% | · | 0.27% | |
| ROE | 2.8% | 3.6% | · | 2.3% | 1.8% | 2.6% | · | 2.4% | 1.8% | 2.1% | · | 1.3% | 3.0% | 1.7% | · | 3.3% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $119M | $102M | · | $88M | $84M | $82M | · | $80M | $79M | $81M | · | $87M | $96M | $103M | · | $108M | |
| Net Income TTM | $32M | $29M | · | $22M | $20M | $20M | · | $17M | $18M | $18M | · | $20M | $27M | $31M | · | $17M | |
| Market Cap | $413M | $375M | · | $228M | $190M | $173M | · | $191M | $151M | $160M | · | $104M | $119M | $138M | · | $197M | |
| P/E | 12.6 | 11.4 | · | 10.7 | 9.5 | 8.5 | · | 11.3 | 8.4 | 9.0 | · | 5.1 | 4.5 | 4.7 | · | 11.9 | |
| P/S | 3.5 | 3.7 | · | 2.6 | 2.3 | 2.1 | · | 2.4 | 1.9 | 2.0 | · | 1.2 | 1.2 | 1.3 | · | 1.8 | |
| P/B | 1.0 | 0.9 | · | 0.8 | 0.7 | 0.7 | · | 0.8 | 0.7 | 0.7 | · | 0.5 | 0.5 | 0.6 | · | 1.0 | |
| P / Tangible Book | 1.2 | 1.1 | · | 0.8 | 0.7 | 0.7 | · | 0.8 | 0.7 | 0.7 | · | 0.5 | 0.5 | 0.6 | · | 1.0 | |
| P / Cash Flow | · | 37.7 | · | · | · | 38.6 | · | · | · | 20.4 | · | · | · | 11.2 | · | · | |
| Earnings Yield | 7.9% | 8.8% | · | 9.3% | 10.6% | 11.7% | · | 8.8% | 11.9% | 11.1% | · | 19.4% | 22.3% | 21.5% | · | 8.4% | |
| Payout Ratio | · | 9.0% | · | · | · | 16.4% | · | · | · | 20.7% | · | · | · | 24.7% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $23M | $20M | $17M | $36M | $8M |
| Diluted EPS | $2.13 | $2.04 | $1.69 | $3.50 | $0.76 |
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Institutional owners (13F) 127 filers · $181.6M total · As of June 30, 2026
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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 31 (+11 vs prior Q) | 11 (+1 vs prior Q) | 43 (+3 vs prior Q) | 30 (+5 vs prior Q) | +794K |
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 |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $16,344,828 | 545,555 | 9.00% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $14,664,641 | 489,474 | 8.08% | Shares |
| Fourthstone LLC | $9,671,652 | 322,428 | 5.33% | Shares |
| BANC FUNDS CO LLC | $9,194,604 | 306,896 | 5.06% | Shares |
| ROYCE & ASSOCIATES LP | $8,750,897 | 292,086 | 4.82% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $8,567,698 | 285,888 | 4.72% | Shares |
| STATE STREET CORP | $7,908,836 | 262,939 | 4.36% | Shares |
| ALLIANCEBERNSTEIN L.P. | $7,778,086 | 285,225 | 4.28% | Shares |
| TWO SIGMA INVESTMENTS, LP | $7,328,995 | 244,626 | 4.04% | Shares |
| Texas Capital Bank Wealth Management Services Inc | $5,056,619 | 168,779 | 2.79% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,847,139 | 161,787 | 2.67% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $4,631,247 | 154,581 | 2.55% | Shares |
| BlackRock, Inc. | $4,227,356 | 141,100 | 2.33% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $4,176,005 | 139,386 | 2.30% | Shares |
| CITADEL ADVISORS LLC | $4,024,227 | 134,320 | 2.22% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $3,944,983 | 131,675 | 2.17% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,915,083 | 130,677 | 2.16% | Shares |
| Qube Research & Technologies Ltd | $3,899,983 | 130,173 | 2.15% | Shares |
| JPMORGAN CHASE & CO | $2,593,735 | 86,776 | 1.43% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,476,254 | 82,652 | 1.36% | Shares |
| AMERICAN CENTURY COMPANIES INC | $2,374,360 | 79,251 | 1.31% | Shares |
| HighTower Advisors, LLC | $2,229,264 | 74,408 | 1.23% | Shares |
| Kestra Advisory Services, LLC | $2,138,424 | 71,091 | 1.18% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $2,117,213 | 70,668 | 1.17% | Shares |
| Empowered Funds, LLC | $2,085,576 | 69,612 | 1.15% | Shares |
| XTX Topco Ltd | $1,815,995 | 60,614 | 1.00% | Shares |
| HSBC HOLDINGS PLC | $1,732,326 | 57,802 | 0.95% | Shares |
| Glass Wealth Management Co LLC | $1,495,094 | 49,903 | 0.82% | Shares |
| VANGUARD GROUP INC | $1,441,571 | 53,951 | 0.79% | Shares |
| D. E. Shaw & Co., Inc. | $1,357,188 | 45,300 | 0.75% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $1,300,264 | 43,400 | 0.72% | Shares |
| STEEL GROVE CAPITAL ADVISORS, LLC | $1,252,464 | 41,805 | 0.69% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,228,872 | 41,017 | 0.68% | Shares |
| Squarepoint Ops LLC | $1,219,432 | 40,702 | 0.67% | Shares |
| MENDON CAPITAL ADVISORS CORP | $1,198,400 | 40,000 | 0.66% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,174,162 | 39,191 | 0.65% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $1,032,152 | 34,451 | 0.57% | Shares |
| SEI INVESTMENTS CO | $947,455 | 31,624 | 0.52% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $913,750 | 30,499 | 0.50% | Shares |
| Quadrature Capital Ltd | $814,133 | 27,174 | 0.45% | Shares |
| True North Advisors, LLC | $811,676 | 27,092 | 0.45% | Shares |
| Bank of New York Mellon Corp | $760,535 | 25,385 | 0.42% | Shares |
| BANK OF AMERICA CORP /DE/ | $746,364 | 24,912 | 0.41% | Shares |
| Schonfeld Strategic Advisors LLC | $721,256 | 24,074 | 0.40% | Shares |
| Trexquant Investment LP | $712,838 | 23,793 | 0.39% | Shares |
| Integrated Quantitative Investments LLC | $674,190 | 22,503 | 0.37% | Shares |
| BARCLAYS PLC | $663,374 | 22,142 | 0.37% | Shares |
| MILLENNIUM MANAGEMENT LLC | $633,624 | 21,149 | 0.35% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $629,421 | 21,009 | 0.35% | Shares |
| GOLDMAN SACHS GROUP INC | $569,360 | 19,004 | 0.31% | Shares |
| Point72 Asset Management, L.P. | $558,484 | 18,641 | 0.31% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $548,418 | 18,305 | 0.30% | Shares |
| Engineers Gate Manager LP | $545,392 | 18,204 | 0.30% | Shares |
| Quantbot Technologies LP | $518,158 | 17,295 | 0.29% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $495,658 | 16,544 | 0.27% | Shares |
| RHUMBLINE ADVISERS | $446,068 | 14,889 | 0.25% | Shares |
| TWO SIGMA ADVISERS, LP | $435,536 | 16,300 | 0.24% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $410,931 | 13,716 | 0.23% | Shares |
| Creative Planning | $405,149 | 13,523 | 0.22% | Shares |
| Savant Capital, LLC | $397,060 | 13,253 | 0.22% | Shares |
| Advisory Services Network, LLC | $377,496 | 12,600 | 0.21% | Shares |
| DEUTSCHE BANK AG\ | $373,481 | 12,466 | 0.21% | Shares |
| WINTON GROUP Ltd | $366,561 | 12,235 | 0.20% | Shares |
| Stratos Wealth Partners, LTD. | $361,467 | 12,065 | 0.20% | Shares |
| Geneos Wealth Management Inc. | $353,049 | 11,784 | 0.19% | Shares |
| Voleon Capital Management LP | $337,679 | 11,271 | 0.19% | Shares |
| Concurrent Investment Advisors, LLC | $299,600 | 10,000 | 0.17% | Shares |
| JAMES INVESTMENT RESEARCH, INC. | $264,217 | 8,819 | 0.15% | Shares |
| Numerai GP LLC | $239,500 | 7,994 | 0.13% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $229,793 | 7,670 | 0.13% | Shares |
| MORGAN STANLEY | $227,456 | 7,592 | 0.13% | Shares |
| VOYA INVESTMENT MANAGEMENT LLC | $219,307 | 7,320 | 0.12% | Shares |
| MetLife Investment Management, LLC | $214,364 | 7,155 | 0.12% | Shares |
| AXQ CAPITAL, LP | $211,817 | 7,070 | 0.12% | Shares |
| Sequoia Financial Advisors, LLC | $210,350 | 7,021 | 0.12% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $176,375 | 5,887 | 0.10% | Shares |
| Vanguard Global Advisers, LLC | $154,024 | 5,141 | 0.08% | Shares |
| Invesco Ltd. | $150,819 | 5,034 | 0.08% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $137,816 | 4,600 | 0.08% | Shares |
| STRS OHIO | $104,860 | 3,500 | 0.06% | Shares |
| Police & Firemen's Retirement System of New Jersey | $104,740 | 3,496 | 0.06% | Shares |
| NewEdge Advisors, LLC | $101,893 | 3,401 | 0.06% | Shares |
| CWM, LLC | $94,462 | 3,464 | 0.05% | Shares |
| Nuveen, LLC | $82,001 | 2,737 | 0.05% | Shares |
| MARSHALL WACE, LLP | $81,971 | 2,736 | 0.05% | Shares |
| Tower Research Capital LLC (TRC) | $70,076 | 2,339 | 0.04% | Shares |
| NORTHERN TRUST CORP | $60,459 | 2,018 | 0.03% | Shares |
| Nuveen Asset Management, LLC | $60,105 | 2,737 | 0.03% | Shares |
| PNC Financial Services Group, Inc. | $58,182 | 1,942 | 0.03% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $40,807 | 1,362 | 0.02% | Shares |
| Legal & General Group Plc | $38,289 | 1,278 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $34,484 | 1,151 | 0.02% | Shares |
| CITIGROUP INC | $28,492 | 951 | 0.02% | Shares |
| Strategic Wealth Partners, Ltd. | $19,564 | 653 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $19,280 | 707 | 0.01% | Shares |
| FMR LLC | $17,557 | 586 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $12,000 | 397 | 0.01% | Shares |
| Arax Advisory Partners | $10,097 | 337 | 0.01% | Shares |
| Sterling Capital Management LLC | $7,730 | 258 | 0.00% | Shares |
| Russell Investments Group, Ltd. | $7,371 | 246 | 0.00% | Shares |
Company insiders 22 insiders · 7 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| John J D'Angelo | Chief Executive Officer | March 1, 2017 A | 154,667 | 0 | 0 | $0 |
| Corey E Moore | Deputy Chief Financial Officer | Aug. 1, 2026 F | 8,585 | 0 | 0 | $0 |
| Dane M. Babin | Chief Operations Officer | March 1, 2017 F | 10,733 | 0 | 0 | $0 |
| Cherco Rachel P. | Chief Accounting Officer | March 1, 2017 A | 11,520 | 0 | 0 | $0 |
| Ryan P Finnan | EVP, Banking President | March 1, 2017 F | 12,634 | 0 | 0 | $0 |
| Travis M Lavergne | Chief Credit Officer | March 1, 2017 A | 5,261 | 0 | 0 | $0 |
| Randolf F Kassmeier | Executive VP & General Counsel | April 30, 2015 A | 14,041 | 0 | 0 | $0 |
| David J Lukinovich | Director | Feb. 24, 2017 P | 10,433 | 0 | 0 | $0 |
| Frank L. Walker | Director | Jan. 20, 2017 A | 28,102 | 0 | 0 | $0 |
| Andrew C Nelson | Director | Jan. 20, 2017 A | 85,339 | 0 | 0 | $0 |
| Robert M Boyce Sr | Director | Jan. 20, 2017 A | 52,138 | 0 | 0 | $0 |
| Thomas C Besselman Sr | Director | Jan. 20, 2017 A | 88,758 | 0 | 0 | $0 |
| James M Baker | Director | Jan. 20, 2017 A | 4,688 | 0 | 0 | $0 |
| Carl R Schneider Jr | Director | Jan. 20, 2017 A | 8,559 | 0 | 0 | $0 |
| Suzanne O Middleton | Director | Jan. 20, 2017 A | 24,615 | 0 | 0 | $0 |
| Gordon H Joffrion III | Director | Jan. 20, 2017 A | 14,853 | 0 | 0 | $0 |
| William H Hidalgo | Director | Jan. 20, 2017 A | 32,316 | 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 |
| Christopher L Hufft | — | March 1, 2017 A | 19,988 | 0 | 0 | $0 |
| James H Boyce III | — | Jan. 20, 2017 A | 9,947 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 31 ETFs
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 |
|---|---|---|---|---|
| DWAS · Invesco Exchange-Traded Fund Trust … | 0.39% | 57,662 SH | Aug. 8, 2026 | Daily |
| IWC · iShares Trust | 0.09% | 44,064 SH | Aug. 8, 2026 | Daily |
| IWN · iShares Trust | 0.03% | 127,325 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 11,147 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.02% | 19,689 NS | May 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,553 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 340,799 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,574 NS | April 30, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 28,710 NS | April 30, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 9,877 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 73,785 SH | Aug. 8, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 45,869 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 604 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 45,490 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.01% | 53,661 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 472 NS | May 31, 2026 | N-PORT |
| ONEQ · Fidelity Commonwealth Trust | 0.00% | 14,573 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 479 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 12 NS | May 31, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 405 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 21,340 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,233 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 685 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,048 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,055 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 136,336 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 395,631 SH | Aug. 8, 2026 | Daily |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.00% | 68,439 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,210 SH | Aug. 8, 2026 | Daily |
| EBI · RBB Fund Trust | 0.00% | 6 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |