Investar Holding Corporation Financial Ratios — ISTR Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	69.16	36.46	36.44	31.44	26.6	21.57	27.79	26.6	18.11	9.5	34.9	13.64	15.04	14.42
Return on Assets (%)	- -	1.26	0.63	0.71	0.74	0.72	0.59	0.8	0.86	0.62	0.33	1.36	0.6	0.73	0.82
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.09	3.75	3.81	4.07	3.63	3.83	4.04	4.15	4.87	5.33	5.18	4.09	4.59	3.76	3.09
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	13.96	21.31	18.4	20.1	26.6	29.5	26.95	27.99	29.5	20.24	10.29	40.91	24.8	29.62	30.9
Profit Margin (%)	9.29	15.07	13.5	16.58	17.78	20.24	17.75	22.09	23.7	16.21	8.31	32.94	20.24	24.57	25.38
Net Income to Common Margin (%)	9.29	15.07	13.5	16.58	17.78	20.24	17.75	22.09	23.7	16.21	8.31	32.94	20.24	24.57	24.21
Effective Tax Rate (%)	33.44	29.31	26.6	17.5	33.17	31.41	34.12	21.06	19.65	19.9	19.27	19.48	18.36	17.02	17.87
Dvd Payout Ratio (%)	9.21	5.72	5.33	3.59	3.12	3.53	8.8	10.79	12.87	19.34	38.62	9.95	23.05	19.61	16.93
Sustainable Growth Rate (%)	- -	65.2	34.51	35.13	30.46	25.66	19.67	24.79	23.17	14.6	5.83	31.43	10.5	12.09	11.98

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	27	34	129	131	87	191	231	180	169	130	440	76	93	142
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	27	34	129	131	87	191	231	180	169	130	440	76	93	142
Total Debt/EBITDA	- -	45.65	38.55	97.58	90.67	58.55	102.21	90.31	52.09	37.06	26.04	99.15	20.22	29.93	50.7
Net Debt/EBITDA	- -	38.58	7.53	83.24	76.29	38.89	85.9	83.59	39.29	29.32	6.68	90.12	11.76	20.91	35.84
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	1.82	1.66	2.17	2.51	2.88	2.63	3.09	3.32	3.53	3.44	4.29	4.49	5.24	5.66
Long-Term Debt/Equity (%)	- -	61.52	62.05	125.16	119.9	77.52	110.36	126.49	74.52	69.61	53.53	203.79	33.71	38.39	47.02
Long-Term Debt/Capital (%)	- -	79.69	76.54	87.15	83.5	72.4	81.69	80.68	71.63	67.38	60.02	78.83	37.68	39.36	42.61
Long-Term Debt/Total Assets (%)	- -	7.14	5.42	14.71	12.71	7.54	11.75	12.91	8.39	7.3	5.17	15.97	2.72	3.4	5
Total Debt/Equity (%)	- -	61.52	62.05	125.16	119.9	77.52	110.36	126.49	74.52	69.61	53.53	203.79	33.71	38.39	47.02
Total Debt/Capital (%)	- -	79.69	76.54	87.15	83.5	72.4	81.69	80.68	71.63	67.38	60.02	78.83	37.68	39.36	42.61
Total Debt/Total Assets (%)	- -	7.14	5.42	14.71	12.71	7.54	11.75	12.91	8.39	7.3	5.17	15.97	2.72	3.4	5
Net Debt to Equity	- -	52	12.12	106.77	100.89	51.5	92.74	117.09	56.21	55.07	13.74	185.22	19.6	26.82	33.24
Net Debt/Capital (%)	- -	76.84	38.92	85.27	80.98	63.53	78.95	79.45	65.57	62.03	27.81	77.19	26	31.19	34.42
EBITDA	- -	1	1	1	1	1	2	3	3	5	5	4	4	3	3
EBITDA-CapEx	- -	1	-8	-4	-3	-3	- -	-2	-4	-3	2	3	3	3	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	1.82	1.66	2.17	2.51	2.88	2.63	3.09	3.32	3.53	3.44	4.29	4.49	5.24	5.66
Long-Term Debt/Equity (%)	- -	61.52	62.05	125.16	119.9	77.52	110.36	126.49	74.52	69.61	53.53	203.79	33.71	38.39	47.02
Long-Term Debt/Capital (%)	- -	79.69	76.54	87.15	83.5	72.4	81.69	80.68	71.63	67.38	60.02	78.83	37.68	39.36	42.61
Long-Term Debt/Total Assets (%)	- -	7.14	5.42	14.71	12.71	7.54	11.75	12.91	8.39	7.3	5.17	15.97	2.72	3.4	5
Total Debt/Equity (%)	- -	61.52	62.05	125.16	119.9	77.52	110.36	126.49	74.52	69.61	53.53	203.79	33.71	38.39	47.02
Total Debt/Capital (%)	- -	79.69	76.54	87.15	83.5	72.4	81.69	80.68	71.63	67.38	60.02	78.83	37.68	39.36	42.61
Total Debt/Total Assets (%)	- -	7.14	5.42	14.71	12.71	7.54	11.75	12.91	8.39	7.3	5.17	15.97	2.72	3.4	5
CFO/Total Liabilities	- -	-0.33	2.75	-11.29	4.07	3.57	0.65	1.02	0.97	0.85	1.47	1.68	1.01	0.64	0.72
CFO/CapEx	- -	- -	1.7	-17.04	9.2	9.18	4.54	3.32	2.34	2.34	10.09	40.48	24.48	31.48	13.17
Altman's Z-Score	- -	0.06	0.05	0.12	0.15	0.14	0.14	0.16	0.15	0.13	0.13	0.15	0.12	0.15	0.17

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	26.42	15.53	15.25	15.11	12.88	11.69	12.03	10.55	8.2	7.92	8.99	6.08	5.73	6.29
Days Sales Outstanding	- -	13.81	23.5	23.94	24.15	28.35	31.23	30.35	34.59	44.49	46.11	40.58	60.07	63.76	58.06
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	77	127	133	206	239	241	181	191	217	147	216	263
- Cash & Cash Equivalents	- -	4	28	19	21	29	30	17	44	35	97	40	32	28	42
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	30
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	27	34	129	131	87	191	231	180	169	130	440	76	93	142
Enterprise Value	- -	-22	-49	117	124	28	149	204	117	46	-131	212	-170	-51	388
Total Capital	- -	34	45	148	157	121	233	286	252	251	216	558	203	235	332
Total Debt/Capital (%)	- -	79.69	76.54	87.15	83.5	72.4	81.69	80.68	71.63	67.38	60.02	78.83	37.68	39.36	42.61
Total Debt / EV	- -	-1.24	-0.7	1.11	1.06	3.17	1.28	1.13	1.54	3.65	-0.99	2.08	-0.45	-1.83	0.36
EV/Sales	- -	- -	- -	3.59	3.11	0.71	3.21	3.31	1.64	0.54	- -	1.95	0.47	3.33	4.3
EV/EBITDA	- -	- -	- -	88.03	85.7	18.46	79.64	79.81	33.73	10.16	- -	47.73	10.15	88.54	138.92
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	3.3	0.74	15.71	12.41	6.29	2.62	- -	4.95	1.46	17.21	21.29
EV/Free Cash Flow to Firm	- -	- -	- -	- -	2.98	0.67	12.87	9.54	4.41	1.83	- -	4.83	1.4	16.68	19.79
Diluted Market Cap	- -	- -	- -	80	128	134	206	243	243	181	194	220	147	218	288
Diluted Enterprise Value	- -	23	7	190	238	192	366	456	379	315	227	619	192	283	418
EV per Share	- -	- -	- -	21.09	17.18	3.88	17.39	21.11	11.65	4.25	- -	20.99	3.9	27.92	39.46
TTM Sales	11	16	23	33	40	39	46	62	71	86	96	108	82	82	90
TTM EBITDA	- -	1	1	1	1	1	2	3	3	5	5	4	4	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	-1	16	-88	38	37	9	16	19	18	33	43	26	16	18
TTM Free Cash Flow to Firm	2	-1	25	-82	42	41	12	21	26	25	37	44	27	16	20

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	-0.97	3.07	3.23	17.85	11.37	9.19	7.14	5.27	5.01	5.39	13.27	14.69
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-22	-49	117	124	28	149	204	117	46	-131	212	-170	-51	388
Low Price	- -	- -	- -	13	13.35	13.63	18.31	19.49	21.48	8.49	15.66	18.07	9.07	14.6	15.39
EV/Sales	- -	- -	- -	3.59	3.11	0.71	3.21	3.31	1.64	0.54	- -	1.95	0.47	3.33	4.3
EV/EBITDA	- -	- -	- -	88.03	85.7	18.46	79.64	79.81	33.73	10.16	- -	47.73	10.15	88.54	138.92
Price/Earnings	- -	- -	- -	14.2	17.95	16.82	25.1	17.59	14.29	13.02	23.91	6.08	8.82	10.66	12.02
Price/Earnings Average	- -	- -	- -	14.13	16.01	14.27	23.22	18.42	14.14	12.2	26.59	5.87	8.24	8.73	9.5
Price/Earnings High	- -	- -	- -	19.48	18.36	17.77	25.63	21.21	15.75	19.21	30.77	6.7	13.14	12.04	12.57
Price/Earnings Low	- -	- -	- -	13.33	13.62	12.29	19.07	13.82	12.79	6.69	20.34	5.1	5.37	7.09	6.92
Price/Book Value	- -	- -	- -	4.02	4.9	3.98	4.82	4.33	3.37	2.21	2.21	1.84	1.16	1.51	1.64
Price/Book Value Average	- -	- -	- -	4	4.37	3.37	4.46	4.54	3.33	2.07	2.46	1.77	1.09	1.24	1.29
Price/Book Value High	- -	- -	- -	5.51	5.01	4.2	4.92	5.23	3.71	3.25	2.85	2.03	1.73	1.71	1.71
Price/Book Value Low	- -	- -	- -	3.77	3.72	2.91	3.66	3.41	3.01	1.13	1.88	1.54	0.71	1.01	0.94
Price/Tangible Book Value	- -	- -	- -	0.77	1.2	1.21	1.35	1.47	1.14	0.86	0.96	1.26	0.8	1.08	1.14
Price/Tangible Book Value Average	- -	- -	- -	0.76	1.07	1.03	1.25	1.54	1.13	0.8	1.07	1.21	0.75	0.89	0.9
Price/Tangible Book Value High	- -	- -	- -	1.05	1.22	1.28	1.38	1.78	1.26	1.26	1.24	1.39	1.19	1.22	1.2
Price/Tangible Book Value Low	- -	- -	- -	0.72	0.91	0.88	1.02	1.16	1.02	0.44	0.82	1.06	0.49	0.72	0.66
Price/Sales	- -	- -	- -	2.35	3.19	3.4	4.46	3.89	3.39	2.11	1.99	2	1.79	2.62	2.91
Price/Sales Average	- -	- -	- -	2.34	2.85	2.89	4.12	4.07	3.35	1.98	2.21	1.93	1.67	2.14	2.3
Price/Sales High	- -	- -	- -	3.23	3.26	3.6	4.55	4.68	3.73	3.11	2.56	2.21	2.66	2.96	3.04
Price/Sales Low	- -	- -	- -	2.21	2.42	2.49	3.39	3.05	3.03	1.08	1.69	1.68	1.09	1.74	1.68
Price/Cash Flow	- -	- -	- -	-0.87	3.38	3.55	21.77	14.58	12.96	10.19	5.71	5.08	5.61	13.55	14.42
Price/Cash Flow Average	- -	- -	- -	-0.87	3.02	3.02	20.14	15.27	12.82	9.55	6.35	4.9	5.24	11.1	11.39
Price/Cash Flow High	- -	- -	- -	-1.2	3.46	3.75	22.22	17.58	14.28	15.03	7.35	5.6	8.35	15.31	15.08
Price/Cash Flow Low	- -	- -	- -	-0.82	2.57	2.6	16.54	11.46	11.6	5.23	4.86	4.26	3.41	9.01	8.3
Price/Free Cash Flow Average	- -	- -	- -	-0.97	2.74	2.74	16.51	11.91	9.1	6.69	5.86	4.84	5.03	10.86	11.61
Price/Free Cash Flow High	- -	- -	- -	-1.33	3.14	3.41	18.22	13.71	10.13	10.53	6.78	5.52	8.02	14.99	15.37
Price/Free Cash Flow Low	- -	- -	- -	-0.91	2.33	2.36	13.56	8.94	8.23	3.66	4.48	4.21	3.28	8.82	8.46
EV/Sales Average	- -	1.45	0.29	5.73	5.62	4.38	7.59	7.53	5.27	3.54	2.56	5.62	2.21	2.93	3.75
EV/Sales High	- -	1.45	0.29	6.62	6.04	5.09	8.02	8.15	5.65	4.68	2.9	5.89	3.2	3.75	4.49
EV/Sales Low	- -	1.45	0.29	5.6	5.19	3.98	6.85	6.52	4.94	2.65	2.04	5.37	1.63	2.53	3.12
EV/EBITDA Average	- -	38.58	7.53	140.77	154.6	114.23	188.02	181.77	108.05	66.4	49.33	137.39	48.11	78.02	121.05
EV/EBITDA High	- -	38.58	7.53	162.53	166.1	132.67	198.59	196.61	115.9	87.71	56.03	144.07	69.72	99.72	145.11
EV/EBITDA Low	- -	38.58	7.53	137.49	142.9	103.78	169.78	157.26	101.48	49.63	39.3	131.22	35.44	67.29	100.89
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	13.85	17.6	18.65	24.1	24.8	24	16.54	18.41	21.53	14.91	21.96	26.72
High Price	- -	- -	- -	19	18	19.7	24.6	29.9	26.46	24.4	23.69	23.72	22.2	24.81	27.95
Enterprise Value Average	- -	23	7	187	224	171	351	464	374	303	246	609	182	241	338
Enterprise Value High	- -	23	7	216	240	198	370	502	401	401	279	639	264	309	405
Enterprise Value Low	- -	23	7	182	207	155	317	401	351	227	196	582	134	208	282

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	- -	7	7	7	7	7	10	9	11	11	10	10	10	10	10
Diluted Weighted Avg Shares	7	7	7	6	7	7	9	10	10	11	11	10	10	10	11
Basic Weighted Avg Shares	7	7	7	6	7	7	9	10	10	11	10	10	10	10	10
Revenue per Share	1.58	2.3	3.44	5.88	5.52	5.48	5.41	6.38	7.09	7.83	9.27	10.75	8.35	8.38	9.18
EBITDA per Share	0.06	0.09	0.13	0.24	0.2	0.21	0.22	0.26	0.35	0.42	0.48	0.44	0.38	0.31	0.28
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.15	0.35	0.46	0.98	0.98	1.11	0.96	1.41	1.68	1.27	0.77	3.54	1.69	2.06	2.22
Basic EPS from Cont Ops	0.15	0.35	0.46	0.98	0.98	1.11	0.96	1.41	1.68	1.27	0.77	3.54	1.69	2.06	2.33
Diluted EPS, GAAP	0.14	0.33	0.44	0.93	0.97	1.1	0.96	1.39	1.66	1.27	0.76	3.5	1.69	2.04	2.03
Diluted EPS from Cont Ops	0.14	0.33	0.44	0.93	0.97	1.1	0.96	1.39	1.66	1.27	0.76	3.5	1.69	2.04	2.13
Dividend per Share	0.01	0.02	0.02	0.04	0.03	0.04	0.08	0.15	0.22	0.25	0.3	0.35	0.39	0.4	0.48
Cash Flow per Share	0.23	-0.16	2.33	-15.83	5.2	5.25	1.11	1.7	1.85	1.62	3.22	4.24	2.66	1.62	1.85
Free Cash Flow per Basic Share	0.23	-0.16	0.96	-16.76	4.63	4.68	0.86	1.19	1.06	0.93	2.9	4.13	2.55	1.57	1.71
Cash & Equivalents per Share	- -	7.11	12.3	16.14	18.6	27.07	29.03	27.58	30.34	27.78	43.51	44.14	39.92	36.52	4.75
Book Value per Share	- -	1	1.55	3.45	3.59	4.69	5	5.72	7.13	7.5	8.33	11.71	12.81	14.52	16.31
Tangible Book Value per Share	- -	5.99	7.74	18.1	14.72	15.41	17.88	16.84	21.05	19.3	19.11	17.11	18.69	20.3	23.35

Investar Holding Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)