Investar Holding (ISTR) Cash Flow: Operating & Free Cash Flow

Investar Holding (ISTR) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Investar Holding generated $18.22M of operating cash flow and spent $1.38M on capital expenditures. That left free cash flow of $16.83M, up 9.2% from $15.42M a year earlier, or 18.7% of revenue. It returned $6.52M to shareholders through $4.23M in dividends and $2.29M in share buybacks.

Investar Holding Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Investar Holding Corporation (ISTR) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	22.90	20.25	16.68	35.71	8.00	13.89	16.84	13.61	8.20
Depreciation & Amortization	2.79	3.10	3.78	4.44	4.99	4.57	3.46	2.55	1.87
Deferred Income Tax	-0.35	0.66	-0.35	-0.66	-0.55	-1.39	0.15	0.84	0.25
Stock Based Compensation	1.98	1.96	1.99	2.11	1.74	1.64	1.43	1.07	0.79
Change in Working Capital	-3.02	-0.64	6.70	-2.43	-1.68	-10.38	-2.95	-2.45	-3.23
Change in Accounts Receivable	0.14	-0.06	-0.52	-1.39	2.45	-5.06	-1.93	-0.87	-0.32
Change in Accounts Payable	-1.15	0.00	0.00	0.70	0.00	0.00	0.00	0.00	0.00
Change in Other Working Capital	-3.02	-0.64	7.22	-0.69	-4.13	-5.33	-1.03	-1.59	-2.91
Other Operating Activities	-6.44	-8.74	-2.55	-0.69	20.98	9.42	-0.37	0.79	1.59
Net Cash from Operating Activities	18.22	15.93	26.25	42.75	33.48	17.75	18.57	16.41	9.46
Investing Activities
Capital Expenditures	-1.38	-0.51	-1.07	-1.06	-3.32	-7.59	-7.92	-4.94	-2.08
Acquisitions	0.00	0.00	-0.60	0.00	8.11	-10.81	74.14	0.00	21.20
Purchases of Investments	-94.24	-70.67	-126.77	-193.97	-256.21	-133.29	-117.57	-76.64	-109.76
Sales/Maturities of Investments	58.12	74.55	174.99	63.33	225.26	133.80	110.02	40.75	139.76
Other Investing Activities	-46.40	85.35	-120.04	-219.02	79.56	-130.25	-161.74	-141.57	-147.47
Net Cash from Investing Activities	-83.91	90.07	-73.49	-350.99	53.40	-148.14	-103.06	-182.40	-98.35
Financing Activities
Debt Repayment	48.79	-50.89	-151.00	-43.60	-42.00	-11.10	-50.34	39.80	95.03
Common Stock Issued	0.06	0.34	0.00	0.13	0.00	0.00	28.53	0.00	32.51
Common Stock Repurchased	-2.29	-0.31	-3.03	-10.54	-6.93	-11.11	-8.33	-3.37	-0.51
Dividends Paid	-4.23	-3.97	-3.84	-3.55	-3.09	-2.69	-2.17	-1.47	-0.72
Other Financing Activities	4.31	90.29	196.86	-38.25	26.81	145.97	144.36	117.74	-36.45
Net Cash from Financing Activities	79.27	-110.08	38.99	251.46	-25.21	121.07	112.05	152.71	89.86
Summary
Net Change in Cash	13.58	-4.09	-8.25	-56.78	61.67	-9.33	27.56	-13.28	0.97
Cash at Beginning of Period	27.92	32.01	40.26	97.04	35.37	44.70	17.14	30.42	29.45
Cash at End of Period	41.51	27.92	32.01	40.26	97.04	35.37	44.70	17.14	30.42
Free Cash Flow	16.83	15.42	25.18	41.69	30.16	10.16	10.65	11.48	7.38
Supplemental Disclosures
Interest Paid	-	74.46	56.77	14.41	11.82	-	-	-	-
Income Taxes Paid	-	3.10	2.90	8.89	4.21	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Investar Holding Cash Flow

What is Investar Holding's free cash flow?

Investar Holding generated free cash flow of $16.83M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $18.22M minus $1.38M of capital expenditures. That was up 9.2% from $15.42M a year earlier. Free cash flow equaled 18.7% of revenue.

How much does Investar Holding spend on capital expenditures?

Investar Holding spent $1.38M on capital expenditures in fiscal 2025, compared with $506.00K a year earlier. That equals 7.6% of operating cash flow.

Does Investar Holding pay dividends or buy back shares?

Yes. In fiscal 2025 Investar Holding returned $4.23M in dividends and $2.29M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition