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Investar Holding Corp

NAS:ISTRFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$28.72−0.35%LiveIn session · ≈ AED 105.47 · Market cap $395.68M · Next earnings Mon 19 Oct

USD millions	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	TTM	YoY
Revenue	105.9	108.0	123.2	141.1	156.5	153.5	188.1	+22.5%
Cost of revenue	31.4	34.6	17.7	56.7	70.6	59.9	—	—
Gross profit	74.5	73.4	105.5	84.4	85.9	93.6	—	—
Research & development	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Selling, general & administrative	33.7	35.8	35.2	37.4	39.0	42.2	—	—
Selling & marketing	0.3	0.3	0.3	0.3	0.4	0.4	—	—
Operating expenses	57.2	63.5	61.1	64.0	61.5	65.7	—	—
Operating income	17.3	9.9	44.3	20.4	24.4	27.8	39.5	+41.9%
Interest expense	20.3	11.7	14.8	58.7	74.1	63.2	25.5	−59.7%
Interest income	93.8	95.5	104.6	133.2	143.9	144.0	—	—
Other income / expense	0.0	0.0	0.0	0.0	0.0	0.1	—	—
Pre-tax income	17.3	9.9	44.3	20.4	24.4	27.9	41.3	+48.0%
Income tax	3.5	1.9	8.6	3.8	4.2	5.0	7.6	+53.5%
Net income	13.9	8.0	35.7	16.7	20.3	22.9	33.6	+46.8%
Discontinued operations	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Other net income adjustments	0.0	0.0	0.0	0.0	0.0	0.0	—	—
EPS, basic (per share)	1.27	0.77	3.54	1.69	2.06	2.22	2.60	+17.2%
EPS, diluted (per share)	1.27	0.76	3.50	1.69	2.05	2.08	2.39	+14.8%
EBITDA	21.9	14.9	48.8	24.2	27.5	30.6	—	—
Depreciation & amortization	4.6	5.0	4.4	3.8	3.1	2.8	4.0	+44.6%
Weighted average shares (shares)	10,851,000	10,416,145	10,086,000	9,869,000	9,814,000	9,836,363	—	—
Weighted average diluted shares (shares)	10,866,000	10,500,302	10,181,000	9,842,000	9,936,000	10,607,843	—	—
Gross margin	70.3%	67.9%	85.6%	59.8%	54.9%	61.0%	—	—
Operating margin	16.4%	9.2%	36.0%	14.5%	15.6%	18.1%	21.0%	+2.9 pts
Net margin	13.1%	7.4%	29.0%	11.8%	12.9%	14.9%	17.9%	+2.9 pts