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ISTR

InvestarC
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
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.5.
What can break
Credit-quality deterioration / reserve increases
Momentum
56
Value
55
Sentiment
62
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 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-03-26 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $34.25
Why
Momentum56 · Δ7d +5.8
Value55 · Δ7d -0.0
Sentiment62 · Δ7d +2.5
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +2.5.

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: Sentiment · See AI snapshot
Momentum
56
9% active weight
Current posture
7d trendImproving
Δ7d
+5.8
Δ21d
+6.3
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
62
62% active weight
Current posture
7d trendImproving
Δ7d
+2.5
Δ21d
+2.9
Why this grade

Composite grade C. Momentum 55.9 / Value 55.5 / Sentiment 62.4

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 2026-08-17
Market Cap
$425.85M
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data