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ISTR

InvestarB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Bull: Successful execution on loan growth and deposit repricing plus modest multiple expansion; steady dividend sustains investor base and paired with improved credit trends pushes shares above $35.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +2.2.
What can break
Credit-quality deterioration / reserve increases
Momentum
42
Value
58
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $31.00 · Bull $35.00 · Bear $24.00Analysis 2026-03-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-03-26 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $34.25
Why
Momentum42 · Δ7d -3.6
Value58 · Δ7d +2.2
Sentiment61 · Δ7d +4.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +2.2.

Contradictions & invalidation

  • • Credit-quality deterioration / reserve increases
  • • Local-market concentration and CRE exposure
  • • Bear: NIM compression, reserve build or a material operational/cyber incident increases expense or credit costs, pressuring EPS and driving multiple contraction toward low-$20s.

Catalyst clock

2026-01-22

Investor presentation and earnings release furnished (8-K filed Jan 22, 2026)

Lead driver: Value · See fundamentals
Momentum
42
8% active weight
Current posture
7d trendSoftening
Δ7d
-3.6
Δ21d
-12.1
Value
58
47% active weight
Current posture
7d trendImproving
Δ7d
+2.2
Δ21d
-2.9
Sentiment
61
45% active weight
Current posture
7d trendFlat
Δ7d
+4.1
Δ21d
-4.2
Why this grade

Composite grade B. Momentum 42.5 / Value 57.7 / Sentiment 60.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-03-26. Scenario method

B+
Bull case
20%
Probability
Target price
$35.00
Analysis reference price unavailable
Analysis 2026-03-26 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$31.00
Analysis reference price unavailable
Analysis 2026-03-26 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-03-26 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$386.31M
Beta
0.55
Shares Out
13.78M
P/E (TTM)
12.3
P/S (TTM)
2.94
P/FCF (TTM)
28.95
Rev YoY
+47.9%
EPS YoY
+27.5%
Gross Margin
-
Op Margin
+24.2%
Net Debt
$128M
Current Ratio
0.05
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data