What Is Investar Holding Corporation (ISTR) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Investar Holding Corporation's intrinsic value is estimated at $36.28, presenting a divided outlook at the current price of $29.17. With an average implied return of +24.4% across a split 4–5 (bull–bear) consensus, the model spread of +332.3% underscores analytical uncertainty. Notably, ML-RIV sees the most upside at +256.7% (fair value: $104.05), while Markov DDM is the most conservative at -75.6% ($7.12). The spread between these extremes — +332.3% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About ISTR?
13 of 13 models are currently active for ISTR. Of these, 5 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates ISTR's intrinsic value at $8.98, implying -69.2% downside from the current price. See which stocks rank higher →
How Does ISTR Rank in State Commercial Banks?
Among 166 State Commercial Banks stocks, ISTR ranks #156 by Quality of Company score. CirclFi's QOC score of 5.8/10 evaluates 32 fundamental signals. A score of 5.8 reflects mixed fundamentals.
See all Most Undervalued State Commercial Banks Stocks →
Investar Holding Corporation's positioning within the State Commercial Banks segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.
Is ISTR a Value Trap?
CirclFi's Value Trap algorithm assigns ISTR a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
13 of 13 models are active for Investar Holding Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, Investar Holding Corporation earns a quality score of 5.8/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +332.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every ISTR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across ISTR's 13 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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