Community bank Investar's Q4 adjusted EPS beats expectations, NIM improves

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

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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