Investar Holding Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Transaction-Based Revenues	4.83	4.86	4.88	13.31	6.58
Net Interest Income	80.77	69.75	74.52	89.79	83.81
Net Interest Income Growth	15.80%	-6.40%	-17.00%	7.12%	13.98%
Other Revenues	4.64	9.35	1.66	5.04	5.46
Revenue	90.24	83.96	81.06	108.14	95.86
Revenue Growth (YoY)	7.49%	3.58%	-25.04%	12.81%	11.94%
Cost of Revenue	-3.39	-3.48	-2	2.92	22.89
Gross Profit	93.64	87.44	83.06	105.21	72.97
Selling, General & Admin	48.86	46.97	45.85	43.53	43.25
Depreciation & Amortization Expenses	2.79	3.1	3.78	4.44	4.99
Other Operating Expenses	14.09	12.97	13	12.91	14.82
Operating Income	27.89	24.41	20.43	44.35	9.91
Pretax Income	27.89	24.41	20.43	44.35	9.91
Provision for Income Taxes	4.98	4.15	3.75	8.64	1.91
Net Income	22.9	20.25	16.68	35.71	8
Net Income Attributable to Preferred Dividends	1.06	-	-	-	-
Net Income to Common	22.9	20.25	16.68	35.71	8
Net Income Growth	13.10%	21.43%	-53.30%	346.36%	-42.40%
Shares Outstanding (Basic)	10	10	10	10	10
Shares Outstanding (Diluted)	11	10	10	10	11
Shares Change (YoY)	8.22%	0.96%	-3.33%	-3.04%	-3.36%
EPS (Basic)	2.22	2.06	1.69	3.54	0.77
EPS (Diluted)	2.13	2.06	1.69	3.54	0.77
EPS Growth	3.40%	21.89%	-52.26%	359.74%	-39.37%
Free Cash Flow	0	15.42	25.18	41.69	30.16
Free Cash Flow Growth	-	-38.75%	-39.62%	38.22%	196.91%
Free Cash Flow Per Share	-	1.55	2.56	4.10	2.87
Dividends Per Share	0.435	0.410	0.395	0.365	0.310
Dividend Growth	6.10%	3.80%	8.22%	17.74%	24.00%
Gross Margin	103.76%	104.14%	102.47%	97.30%	76.13%
Operating Margin	30.91%	29.07%	25.20%	41.01%	10.34%
Profit Margin	25.38%	24.12%	20.58%	33.02%	8.35%
FCF Margin	0.00%	18.37%	31.06%	38.56%	31.47%
EBITDA	27.89	27.5	24.21	48.78	14.9
EBITDA Margin	30.91%	32.76%	29.87%	45.11%	15.54%
EBIT	27.89	24.41	20.43	44.35	9.91
EBIT Margin	30.91%	29.07%	25.20%	41.01%	10.34%
Effective Tax Rate	17.87%	17.02%	18.36%	19.48%	19.27%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Capital Markets template. Financial Sources.

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