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

Investar Holding

22/01/2026 22:34

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

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted EPS
Beat
$0.58
$0.53 (3 Analysts)
Q4 EPS
$0.51
Q4 Net Income
$5.4 mln
Q4 Net Interest Income
$21.63 mln
Q4 Net Interest Margin (%)
3.20%
Q4 Provision for Credit Losses
-$75,000


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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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)