10-Q quarterly report · filed Nov 5, 2025

Investar Holding Corp (ISTR) Q3 2025 10-Q Quarterly Report

Short answer

Investar Holding Corp (ISTR) filed its Q3 2025 10-Q quarterly report on Nov 5, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $37M (up 0.7% year over year) with net income of $6M.

Q3 2025 key financials · XBRL

Revenue
$37M
+0.7% YoY · +4.9% QoQ
Net income
$6M
+14.8% YoY · +37.5% QoQ
EPS (diluted)
$0.53
−1.9% YoY · +15.2% QoQ

Source: XBRL data from the Investar Holding Corp (ISTR) Q3 2025 10-Q on SEC EDGAR. USD.

Investar Holding Corp Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Near-term headwinds: tariffs, inflation, economic growth, interest rates, liquidity, credit quality, and Wichita Falls transaction execution

Risk Factors

  • New trade-policy risk: heightened U.S. tariff-policy uncertainty since first-quarter 2025, affecting credit risk and allowance estimates
  • New Series A Preferred Stock risk: July 1 issuance of 32,500 shares could constrain dividends, capital spending, acquisitions, and financing
  • New merger-closing risk: WFB transaction requires shareholder and regulatory approvals, with failure potentially causing termination and stock-price decline
  • Merger-integration risk: entry into north Texas markets could produce customer or employee losses and higher-than-expected integration costs
  • Dividend-liquidity risk: parent-company distributions depend substantially on Bank earnings, regulatory compliance, and legally restricted transfers

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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