GURU.Markets stock price, segment price, and overall market index valuation
The company's share price Investar Holding
Investar Holding is a community bank operating in Louisiana. Its stock price reflects the region's economic health, which is heavily dependent on the energy sector. The chart shows interest rate dynamics and loan demand in the local market.
Share prices of companies in the market segment - Diverse financial
Investar Holding is a regional bank providing banking services in Louisiana and surrounding areas. We classified it as a "Diversified Finance" bank due to its broad range of services. The chart below shows the overall state of the banking sector in the southern US.
Broad Market Index - GURU.Markets
Investar Holding is a regional bank providing banking services in Louisiana and surrounding areas. It is a component of the GURU.Markets index. The chart below represents the market. See how this bank's stock compares to the broader banking sector.
Change in the price of a company, segment, and market as a whole per day
ISTR - Daily change in the company's share price Investar Holding
Daily fluctuations in Investar, a financial holding company, reflect the state of the regional economy. change_co measures sensitivity to interest rates and credit demand. This indicator is important for analyzing financial stability in the banking sector on System.GURU.Markets.
Daily change in the price of a set of shares in a market segment - Diverse financial
Investar Holding Corporation is a large regional bank. This chart shows the average daily volatility of the banking sector. Comparing it with the Louisiana-focused ISTR helps understand how local economic conditions impact its stability.
Daily change in the price of a broad market stock, index - GURU.Markets
Investar is a diversified financial holding company. Its performance depends on interest rates and the health of the economy. The chart below shows volatility in the financial sector, serving as a benchmark for Investar's valuation.
Dynamics of market capitalization of the company, segment and the market as a whole over 12 months
Annual dynamics of the company's market capitalization Investar Holding
For Investar Holding Corporation, a Louisiana-based banking holding company, the year-over-year performance is a story of growth in the Southern market. Its 12-month market capitalization reflects its success in expanding its presence in Louisiana, Texas, and Florida through both organic growth and acquisitions of smaller community banks.
Annual dynamics of market capitalization of the market segment - Diverse financial
Investar Holding Corporation is a regional bank serving southern Louisiana. Its performance is closely tied to the state's economic situation, including the energy sector. The chart below shows how its strong position in the local market and conservative approach to lending impact its performance.
Annual dynamics of market capitalization of broad market stocks, index - GURU.Markets
Investar is a classic regional bank whose stock performance reflects the economic health of the regions where it operates. The bank's trajectory is closely tied to interest rate cycles and the lending activity of local businesses and households, making it a barometer of the local, rather than the global, economy.
Dynamics of market capitalization of the company, segment and the market as a whole for the month
Monthly dynamics of the company's market capitalization Investar Holding
The market capitalization of Investar, a diversified banking holding company, reflects the Louisiana economy. Monthly fluctuations on the chart depend on lending growth in the region, which is sensitive to the state of the energy industry, and on overall interest rate dynamics.
Monthly dynamics of market capitalization of the market segment - Diverse financial
Investar Holding is a bank holding company operating in the southern United States. The performance of the regional banking sector, to which it belongs, is closely tied to economic growth in these regions and the Federal Reserve's interest rate policy. The chart below shows general investor sentiment regarding the health and growth prospects of mid-sized banks.
Monthly dynamics of market capitalization of broad market stocks, index - GURU.Markets
Investar Holding is a banking holding company operating in Louisiana. The state's economy is heavily dependent on the energy sector. Therefore, the bank's stock price performance reflects not only general financial trends but also oil and gas prices, giving it a regional character.
Dynamics of market capitalization of the company, segment and the market as a whole for the week
Weekly dynamics of the company's market capitalization Investar Holding
Investar Holding's weekly performance reflects the economic health of southern Louisiana. This diversified financial holding company's stock price is sensitive to the health of local businesses, the energy sector, and the real estate market. The chart below shows how short-term regional and industry news impacts the company's valuation.
Weekly dynamics of market capitalization of the market segment - Diverse financial
How typical are Investar Holding's performance figures for the regional banking sector? This chart compares the bank's weekly stock price movements to the industry average. This helps us understand whether its stock price reflects overall sentiment or is more influenced by the unique economy of southern Louisiana, where its business is concentrated.
Weekly dynamics of market capitalization of stocks of the broad market, index - GURU.Markets
Investar Holding is a diversified financial services company operating in the southern US. This chart compares its weekly performance to the market to assess how its business reacts to regional economic conditions and overall trends in the banking sector.
Market capitalization of the company, segment and market as a whole
ISTR - Market capitalization of the company Investar Holding
The valuation of Investar Holding Corporation on the chart reflects its operations as a regional bank in Louisiana. The company's market capitalization depends on the state of the local economy, which is heavily influenced by energy prices. The dynamics illustrate how investors value this bank, which operates in an economically cyclical region.
ISTR - Share of the company's market capitalization Investar Holding within the market segment - Diverse financial
Investar Holding Corporation is a bank with a significant presence in Louisiana and neighboring states. Its market capitalization reflects its growth strategy, which combines organic growth with acquisitions of other banks.
Market capitalization of the market segment - Diverse financial
The chart illustrates the total market capitalization of small but rapidly growing regional banks. Investar Holding is such a player in the state of Louisiana. The graph shows the dynamics of a segment where an active merger and acquisition strategy is allowing small banks to quickly gain traction.
Market capitalization of all companies included in a broad market index - GURU.Markets
This chart depicts the financial pulse of southern Louisiana. Investar Holding Corporation's market capitalization reflects the economic health of this unique region. Its market share represents the weight of a community bank that grows alongside its clients and contributes to the stability of the global financial system.
Book value capitalization of the company, segment and market as a whole
ISTR - Book value capitalization of the company Investar Holding
The chart below illustrates the financial foundation of Investar Holding Corporation. Its line represents the value of Investar Bank's loan portfolio, investments, and branch network. The upward trend on this curve reflects the bank's success in expanding its presence in Louisiana and surrounding regions.
ISTR - Share of the company's book capitalization Investar Holding within the market segment - Diverse financial
Investar Holding's physical foundation is its network of bank branches, strategically located to serve clients in Louisiana, Texas, and Florida. The chart shows the bank's share of the regional banking sector's tangible assets, reflecting the scale of its physical presence and geographic expansion.
Market segment balance sheet capitalization - Diverse financial
Below you can see the total capital of the banking sector. Against this backdrop, Investar, as a public bank, is a classic example. Its solid balance sheet value confirms the capital-intensive nature of banking, where strong equity capital is essential for stability.
Book value of all companies included in the broad market index - GURU.Markets
Investar Holding is a Louisiana-based bank holding company. Its assets consist of a portfolio of loans issued for business development and real estate purchases in the region. The bank's balance sheet is a financial reflection of the health and growth of the real, physical economy of the southern United States.
The ratio of market capitalization to book capitalization of a company, segment, and the market as a whole
Market capitalization to book capitalization ratio - Investar Holding
Investar's balance sheet represents its capital. A market valuation below its book value reflects investor concerns about the risks in its loan portfolio amid a challenging economic environment. A MvsBCap_Co < 1 chart for a bank is a clear indicator of lack of confidence.
Market to book capitalization ratio in a market segment - Diverse financial
Investar Holding Corporation is a bank holding company operating in Louisiana. The chart shows how the market views its growth strategy, both organic and through acquisitions, as well as the quality of its loan portfolio in an economy heavily dependent on energy.
Market to book capitalization ratio for the market as a whole
Investar Holding Corporation is a bank holding company serving clients in the state of Louisiana. Like any bank, its book value is a fundamental indicator of its health and capital. This chart allows you to compare how investors value regional banks against the overall market index, which reflects all sectors of the economy.
Debts of the company, segment and market as a whole
ISTR - Company debts Investar Holding
Investar Holding's debt strategy, like that of many bank holding companies, is focused on growth through lending and acquisitions. This chart shows how the bank is raising capital to expand its presence in Louisiana and neighboring states. Debt management here follows a classic banking model aimed at increasing assets and market share.
Market segment debts - Diverse financial
Investar Holding Corporation is a bank holding company serving southern Louisiana. The region's economy is heavily dependent on energy and manufacturing, creating certain risks and opportunities for the bank. This chart allows you to evaluate how the bank adapts its financial policy to the specifics of the local market and manages its loan portfolio.
Market debt in general
Debt to book value of the company, segment and market as a whole
The company's debt to book capitalization ratio Investar Holding
Investar Holding is a bank holding company operating in the southern United States. This chart shows its leverage, a standard metric for banks. It reflects how aggressively the bank uses deposits for lending and how much equity capital it has to absorb potential losses, which is important for assessing its stability.
Market segment debt to market segment book capitalization - Diverse financial
Investar Holding Corporation is a bank holding company providing financial services in Louisiana. The state's economy is heavily dependent on energy, which impacts the bank's risks. The chart compares its financial leverage to overall capitalization and average risk indicators in the regional banking sector.
Debt to book value of all companies in the market
Investar Holding (ISTR) is a bank holding company operating in Louisiana. The region's energy and agricultural economy impacts the bank's health. This chart shows the overall debt-to-equity ratio. It allows you to compare the bank's credit risks and policies operating in a specific region with national trends.
P/E of the company, segment and market as a whole
P/E - Investar Holding
This chart shows the valuation of Investar Holding, a Louisiana banking company. Its P/E ratio is a barometer of the state's economy, which is heavily dependent on the energy sector. Valuation movements can be linked to oil and gas prices, as well as the overall health of businesses in the region the bank serves.
P/E of the market segment - Diverse financial
This chart illustrates the average P/E ratio for regional banks. For Investar Holding, which operates in Louisiana, this is an important barometer. It helps understand the discount or premium investors are pricing in for its operations in an economy heavily dependent on the cyclical energy sector, compared to banks in other regions.
P/E of the market as a whole
Investar Holding Corporation is a bank holding company that serves southern Louisiana through Investar Bank. The bank focuses on commercial lending and building long-term customer relationships. This chart, showing overall sentiment, helps understand how investors view regional banks in this specific economic environment.
Future P/E of the company, segment and market as a whole
Future (projected) P/E of the company Investar Holding
Investar Holding is the holding company for Investar Bank, which serves clients in Louisiana and surrounding regions. This chart shows expectations for the Gulf Coast economy. The assessment depends on lending growth, particularly in the commercial sector, and the bank's ability to compete in a dynamic but cyclical market.
Future (projected) P/E of the market segment - Diverse financial
Investar Holding is a bank holding company providing financial services in Louisiana. This chart compares the bank's estimated future profitability to the industry average. It helps understand whether the market expects their strategy of organic growth and local acquisitions to deliver outperformance.
Future (projected) P/E of the market as a whole
Investar Holding Corporation is a bank holding company operating in Louisiana, Texas, and Florida. Its business depends on the economic situation in these states, which is heavily tied to the energy and trade sectors. This chart of general market expectations provides the backdrop, but Investar is more interested in regional economic trends, which may differ from national ones.
Profit of the company, segment and market as a whole
Company profit Investar Holding
Investar Holding Corporation is a bank holding company serving clients in Louisiana through Investar Bank. Its business focuses on lending to small and medium-sized businesses. The bank's profits are directly dependent on the region's economic situation, which is closely tied to the energy sector.
Profit of companies in the market segment - Diverse financial
Investar Holding is a rapidly growing banking company in Louisiana. Its strategy is organic growth and acquisitions of other small banks. This chart shows how consolidation in the banking sector is affecting its overall structure and profitability, where successful integrators like Investar can demonstrate outperformance.
Overall market profit
Investar Holding Corporation is a regional bank serving southern Louisiana. Its financial health reflects the local economy, which has its own distinct characteristics, tied to energy and agriculture. Global trends, visible on this chart, influence it through their impact on key industries in the region.
Future (predicted) profit of the company, segment and market as a whole
Future (projected) profit of the company Investar Holding
Investar Holding Corporation is a bank holding company serving southern Louisiana. The future profit forecasts presented in this chart are closely tied to the state of the local economy, which is heavily dependent on the energy sector. Analysts monitor loan growth and asset quality to shape their expectations.
Future (predicted) profit of companies in the market segment - Diverse financial
Investar Holding Corporation is a bank holding company serving clients in Louisiana and surrounding regions. This chart shows the profit forecast for the diversified finance and banking services sector. It reflects expectations for the regional economy. This backdrop is key for assessing Investar's loan portfolio and growth prospects.
Future (predicted) profit of the market as a whole
Investar Holding Corporation is a Louisiana-based bank holding company. Its financial results are closely tied to the state's economy, which is heavily dependent on the energy sector. Global economic forecasts, reflected in this chart, impact oil and gas prices and, consequently, the health of the bank's key clients.
P/S of the company, segment and market as a whole
P/S - Investar Holding
Investar Holding Corporation is the holding company for Investar Bank, which serves clients in Louisiana and surrounding areas. This chart shows how investors value this fast-growing community bank, whose revenue depends on the economic health and business activity along the Gulf Coast.
P/S market segment - Diverse financial
Investar Holding Corporation is the bank holding company for Investar Bank, which provides commercial and retail banking services in southern Louisiana, Texas, and Florida. The bank focuses on serving small and medium-sized businesses. This chart shows the average rating for the sector, which helps understand how the market views the growth and geographic expansion of this regional bank.
P/S of the market as a whole
Investar Holding Corporation is a bank holding company that manages Investar Bank, which serves clients in Louisiana and surrounding regions. The bank focuses on commercial lending. This chart illustrates the overall market revenue valuation and allows for a comparison of how investors value the traditional regional banking model.
Future P/S of the company, segment and market as a whole
Future (projected) P/S of the company Investar Holding
Investar Holding is a bank holding company in Louisiana. Future earnings depend on the state's economic health. This chart reflects investor expectations for the future development of the regional economy and the bank's ability to grow.
Future (projected) P/S of the market segment - Diverse financial
Investar Holding Corporation is a bank holding company serving clients in Louisiana. This chart compares the bank's estimated future earnings with those of other diversified financial institutions. It shows how investors assess its growth in their regional markets and its ability to compete with other banks.
Future (projected) P/S of the market as a whole
Investar Holding is a bank holding company operating in Louisiana. Its health reflects the local economy, which is heavily dependent on energy and agriculture. Overall market optimism, as seen in this chart, typically correlates with growth in these sectors, improving Investar's loan portfolio and growth prospects.
Sales of the company, segment and market as a whole
Company sales Investar Holding
Investar Holding Corporation is a bank holding company serving clients in the state of Louisiana. Its revenue is generated primarily from interest income from its loan portfolio, which consists of commercial and consumer loans. This chart shows the bank's financial performance, reflecting economic activity in the region.
Sales of companies in the market segment - Diverse financial
Investar Holding Corporation is a banking holding company providing a full range of financial services to businesses and individuals in Louisiana, Texas, and Florida. The bank is rapidly growing through organic development and strategic acquisitions. This chart shows the state of the regional economy in the southern United States, where Investar strives to become a leading community bank.
Overall market sales
Investar Holding is a bank holding company serving South Louisiana. Its business is a barometer of the local economy. From small business lending to mortgages, everything depends on economic activity in the region. This chart, showing general trends, helps understand the macroeconomic environment that affects the bank.
Future sales volume of the company, segment and market as a whole
Future (projected) sales of the company Investar Holding
Investar Holding is a banking holding company operating in Louisiana and neighboring regions. The bank focuses on commercial lending. Its financial results depend on regional economic activity, which is closely tied to the energy industry. This chart reflects analyst expectations for economic growth in the bank's region of operation.
Future (projected) sales of companies in the market segment - Diverse financial
Investar Holding Corporation is the holding company for Investar Bank, which serves clients in Louisiana. The data in this chart shows the outlook for the financial sector. This allows us to assess how the region's economic situation, heavily dependent on energy, and the competitive banking environment impact Investar's growth and risks.
Future (projected) sales of the market as a whole
Investar Holding Corporation is a bank holding company in Louisiana. This chart, which reflects local economic activity, particularly in the energy sector, is key for the bank. The health of local businesses and stability in the labor market directly impact the quality of Investar Bank's loan portfolio and growth opportunities.
Marginality of the company, segment and market as a whole
Company marginality Investar Holding
Investar Holding Corporation is a bank holding company operating in Louisiana. The bank focuses on commercial lending and relationships with local businesses. This chart shows how effectively the bank manages its loan portfolio and operating expenses to ensure stable returns for its shareholders.
Market segment marginality - Diverse financial
Investar Holding Corporation is a bank holding company operating in Louisiana. It focuses on providing banking services to small and medium-sized businesses and individuals. This chart shows how effectively the bank manages its loan portfolio and operating expenses in the specific economic environment of its region.
Market marginality as a whole
Investar Holding Corporation is a bank holding company serving communities in Louisiana. Unlike average market returns, their margins depend on the health of the local economy, which is heavily tied to the energy sector. Their success depends on their ability to manage risk amid the volatile oil and gas prices that impact their region.
Employees in the company, segment and market as a whole
Number of employees in the company Investar Holding
Investar Holding Corporation is a bank holding company serving clients in Louisiana. This chart shows the size of its team, which is the foundation of its community banking model. The growth of its staff reflects both organic growth and an acquisition strategy to expand its presence in the region.
Share of the company's employees Investar Holding within the market segment - Diverse financial
Investar Holding Corporation is a bank holding company serving clients in the state of Louisiana. This indicator measures the bank's share of the local labor market. It helps evaluate its growth strategy and branch network expansion, as well as its role as a significant regional employer providing financial services to local businesses and residents.
Number of employees in the market segment - Diverse financial
Investar Holding Corporation is the holding company for Investar Bank, a community bank operating in Louisiana and Texas. This chart reflects the steady employment growth in the community banking sector. This increase in headcount reflects the bank's successful strategy of organic growth and acquisitions aimed at expanding its presence in economically vibrant regions of the Southern United States.
Number of employees in the market as a whole
Investar Holding Corporation is the bank holding company for Investar Bank, which serves businesses and individuals in South Louisiana. Regional banks are the heart of local economies. This graph shows overall employment in the state, which depends heavily on the health of small businesses, and banks like Investar provide them with the necessary capital to grow and create jobs.
Market capitalization per employee (in thousands of dollars) of the company, segment, and market as a whole
Market capitalization per employee (in thousands of dollars) of the company Investar Holding (ISTR)
Investar Holding Corporation is a bank holding company serving southern Louisiana. Its business model is based on traditional banking services. This chart shows a moderate capitalization per employee, typical for this sector. This metric reflects how effectively the bank's staff utilizes its capital to generate profits in its region.
Market capitalization per employee (in thousands of dollars) in the market segment - Diverse financial
Investar Holding Corporation is a bank holding company providing financial services in Louisiana, Texas, and Florida. For a growing regional bank, this metric reflects the effectiveness of its expansion strategy and operating model. The chart allows one to assess how effectively it creates value per employee compared to its competitors.
Market capitalization per employee (in thousands of dollars) for the overall market
Investar Holding Corporation is a bank holding company serving southern Louisiana. Its business model is based on providing banking services to the region's growing communities. This chart reflects how the market evaluates its employees' performance in client acquisition and asset management in this specific geography.
Profit per employee (in thousands of dollars) for the company, segment, and market as a whole
Profit per employee (in thousands of dollars) of the company Investar Holding (ISTR)
Investar Holding (ISTR) is a bank holding company serving clients in Louisiana and Texas. This chart is a classic performance indicator for a regional bank. It shows how much net profit each employee generates while operating in the competitive Southern market.
Profit per employee (in thousands of dollars) in the market segment - Diverse financial
Investar Holding (Investar Bank) is a regional bank operating in Louisiana, Texas, and Florida. They focus on commercial lending. This chart shows the average employee profitability in the banking industry. It serves as a benchmark for assessing how effectively Investar's team manages its growth and assets compared to its competitors.
Profit per employee (in thousands of dollars) for the market as a whole
Investar Holding (ISTR) is the holding company for Investar Bank, a community bank operating in Louisiana, Texas, and Florida. It follows a classic banking model, targeting small and medium-sized businesses. This chart shows the operational effectiveness of their team in managing the loan portfolio and attracting deposits in these regions.
Sales to employees of the company, segment and market as a whole
Sales per company employee Investar Holding (ISTR)
Investar Holding is a regional bank serving clients in Louisiana. This chart demonstrates the effectiveness of its banking model. It reflects how successfully its employees generate revenue from lending, deposit management, and financial services while building long-term relationships with local communities.
Sales per employee in the market segment - Diverse financial
Investar Holding (ISTR) is the parent company of Investar Bank, a regional bank serving clients in Louisiana, Texas, and Florida. This chart shows the revenue (interest and fees) per employee. It allows you to evaluate the productivity of their branch network compared to other regional banks.
Sales per employee for the market as a whole
Investar Holding (ISTR) is a community bank operating in Louisiana, Texas, and Florida. They focus on serving small and medium-sized businesses. This chart shows their operational efficiency: how well their loan officers and branch staff generate interest income while managing customer relationships and loan portfolios in the economically vibrant Southern states.
Short shares by company, segment and market as a whole
Shares shorted by company Investar Holding (ISTR)
Investar Holding (ISTR) is a regional bank in Louisiana and Texas. This chart shows bearish bets. Shorts against such banks are often based on concerns about their high concentration in commercial real estate (CRE) lending or vulnerability to energy prices (due to the regional economy).
Shares shorted by market segment - Diverse financial
Investar Holding (ISTR) is a regional bank serving southern Louisiana, Texas, and Florida. This chart shows the pessimism in the regional banking sector. Its rise signals that investors are concerned about rising commercial real estate defaults (a key risk for small banks) or are anticipating deposit outflows, which is putting pressure on ISTR's margins.
Shares shorted by the overall market
Investar Holding is a community bank serving the southern US. Like all banks, its performance is tied to economic confidence. When this chart signals widespread fear, it reflects recession concerns. For Investar, this means increased credit risk and slower growth in its core businessโlending.
RSI 14 indicator for a company, segment, and market as a whole
The company's RSI 14 indicator Investar Holding (ISTR)
Investar Holding is a regional bank in Louisiana. It is sensitive to the local economy (energy) and rates. A reading above 70 may reflect strong lending growth or rising energy prices. A reading below 30 is often associated with fears of a recession, falling oil/gas prices, or hurricanes.
RSI 14 Market Segment - Diverse financial
Investar Holding is the bank holding company that manages Investar Bank, a regional bank serving communities in Louisiana, Texas, and Alabama. This chart reflects the collective sentiment in the regional banking sector in the Southern United States. It helps us understand whether ISTR is following the mainstream or whether its growth strategy in these markets stands out.
RSI 14 for the overall market
Investar Holding (ISTR), a regional bank. This chart reflects the "temperature" of small businesses and the real estate market in its region. During periods of euphoria, local businesses take out loans for expansion. During periods of panic and economic downturn, the risk of default on these loans increases for the bank.
Analyst consensus forecast for the company's share price, the segment, and the market as a whole
Analyst consensus stock price forecast ISTR (Investar Holding)
Investar Holding (Investar Bank) is a regional bank providing banking services to businesses and individuals in Louisiana, Texas, and Florida. This chart shows the average target price analysts predict based on its loan portfolio and economic growth in the Gulf Coast region.
The difference between the consensus estimate and the actual stock price ISTR (Investar Holding)
Investar (ISTR) is a regional bank serving small and medium-sized businesses and individuals in Louisiana and surrounding areas. This chart shows the difference between the consensus forecast and the price. It reflects analysts' assessments of the region's economy (dependent on energy) and the bank's loan portfolio.
Analyst consensus forecast for stock prices by market segment - Diverse financial
Investar Holding (ISTR) is a community bank serving communities in Louisiana and southeast Texas. Its health depends on local businesses and the real estate market. This chart shows analysts' overall expectations for the entire financial services sector. It reflects whether experts believe in the region's economic stability and the health of small banks.
Analysts' consensus forecast for the overall market share price
Investar is a bank serving Louisiana. Its business is a barometer of the region's economy (heavily dependent on energy and petrochemicals). This chart, which shows overall market sentiment, acts as an indicator for ISTR. Optimism = "growth" of the "economy" = "high" "oil" "prices" = "health" of ISTR "clients."
AKIMA index of the company, segment and market as a whole
AKiMA Company Index Investar Holding
Investar (ISTR) is a regional bank serving South Louisiana and Southeast Texas. It's a classic community bank focused on commercial lending. This chart is a barometer of their region. It reflects their net interest margin, loan portfolio growth, and the health of the local economy, which is heavily dependent on energy and manufacturing.
AKIMA Market Segment Index - Diverse financial
Investar Holding is a bank holding company that manages Investar Bank, which serves businesses and individuals in Louisiana, Texas, and Florida. This chart shows the average index for the financial sector. It allows investors to assess how effective Investar's regional growth strategy is compared to the industry average.
The AKIM Index for the overall market
Investar Holding is a Louisiana-based bank holding company serving commercial and retail clients in the Gulf Coast region. This chart, showing the market average, provides a macro backdrop. It helps assess how the ISTR, which reflects the regional economy, compares to the overall macroeconomic picture and rates.