Investar Holding Corporation cash flow to debt ratio of 11.93% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Investar Holding Corporation's free cash flow has increased 9.16% from $15.42M last year to $16.83M, signaling increasing performance

Investar Holding Corporation's debt to equity ratio is 0.46, which means that the company's assets are healthy financed, signaling financial stability.

Investar Holding Corporation's debt has increased relative to shareholder equity from 0.42 last year to 0.46 today, signaling weakened financials

Investar Holding Corporation has a net cash position, so leverage is healthy.

Investar Holding Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Investar Holding Corporation's profit margin has increased (37.78%) in the last year from 12.94% to 17.83%, signaling increasing performance

Investar Holding Corporation's short-term liabilities of $1.32B exceed its short-term assets of $411.51M, signaling financial risk

Investar Holding Corporation's return on assets of 0.87% is lower than the 5.00% threshold, indicating inefficient asset utilization

Investar Holding Corporation's return on equity of 9.39%, is lower than 15.00%, indicating bad performance

Investar Holding Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Investar Holding Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Investar Holding Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Investar Holding Corporation has a free cash flow yield of 4.10%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Investar Holding Corporation's yearly earnings has increased 13.10% since last year from $20.25M to $22.90M, signaling increasing performance

Investar Holding Corporation's yearly revenue has decreased 1.94% since last year from $156.52M to $153.49M, signaling decreasing performance

ROIC 4.57% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Investar Holding Corporation's 3-year revenue CAGR of 7.61% is positive, indicating growing revenue over the past 3 years

Investar Holding Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Investar Holding Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Investar Holding Corporation is overvalued relative to its fair value price of 18.69 based on Discounted Cash Flow model

Investar Holding Corporation has an earnings yield of 8.05%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Investar Holding Corporation is overvalued relative to its fair value price of 8.97 based on EBITDA multiple model

Investar Holding Corporation has an EV/EBITDA ratio of 5.41x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Investar Holding Corporation is undervalued relative to its fair value price of 44.02 based on Earnings Fair Value model

Investar Holding Corporation has a PEG-ratio over 1 which is considered overvalued

Investar Holding Corporation has a price-to-book ratio of 0.99x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Investar Holding Corporation has a price-to-sales ratio of 2.21x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue