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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.07
ISBC's Cash to Debt is ranked lower than
95% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. ISBC: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
ISBC' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.05 Max: N/A
Current: 0.07
Equity to Asset 0.17
ISBC's Equity to Asset is ranked higher than
90% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ISBC: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
ISBC' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.2
Current: 0.17
0.07
0.2
Interest Coverage 1.74
ISBC's Interest Coverage is ranked higher than
52% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. ISBC: 1.74 )
Ranked among companies with meaningful Interest Coverage only.
ISBC' s 10-Year Interest Coverage Range
Min: 0.08  Med: 0.62 Max: 1.74
Current: 1.74
0.08
1.74
F-Score: 5
WACC vs ROIC
5.98%
2.77%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 43.73
ISBC's Operating margin (%) is ranked higher than
78% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. ISBC: 43.73 )
Ranked among companies with meaningful Operating margin (%) only.
ISBC' s 10-Year Operating margin (%) Range
Min: -616.28  Med: 31.73 Max: 37.24
Current: 43.73
-616.28
37.24
Net-margin (%) 27.90
ISBC's Net-margin (%) is ranked higher than
68% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. ISBC: 27.90 )
Ranked among companies with meaningful Net-margin (%) only.
ISBC' s 10-Year Net-margin (%) Range
Min: -366.64  Med: 22.35 Max: 37.89
Current: 27.9
-366.64
37.89
ROE (%) 4.84
ISBC's ROE (%) is ranked lower than
74% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. ISBC: 4.84 )
Ranked among companies with meaningful ROE (%) only.
ISBC' s 10-Year ROE (%) Range
Min: -7.88  Med: 5.36 Max: 10.4
Current: 4.84
-7.88
10.4
ROA (%) 0.91
ISBC's ROA (%) is ranked higher than
53% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. ISBC: 0.91 )
Ranked among companies with meaningful ROA (%) only.
ISBC' s 10-Year ROA (%) Range
Min: -0.89  Med: 0.54 Max: 0.79
Current: 0.91
-0.89
0.79
Revenue Growth (3Y)(%) 9.20
ISBC's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. ISBC: 9.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ISBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 8.40 Max: 178.4
Current: 9.2
0
178.4
EBITDA Growth (3Y)(%) 10.10
ISBC's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. ISBC: 10.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ISBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 10.10 Max: 74.2
Current: 10.1
0
74.2
EPS Growth (3Y)(%) 9.40
ISBC's EPS Growth (3Y)(%) is ranked lower than
51% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. ISBC: 9.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ISBC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 69.1
Current: 9.4
0
69.1
» ISBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

ISBC Guru Trades in Q3 2014

Paul Tudor Jones 14,476 sh (New)
Charles Brandes 134,419 sh (+3.86%)
John Keeley 851,010 sh (+2.37%)
HOTCHKIS & WILEY 800,600 sh (+0.38%)
Michael Price 500,000 sh (unchged)
Jim Simons 7,926,697 sh (-22.62%)
Steven Cohen 200,000 sh (-82.61%)
» More
Q4 2014

ISBC Guru Trades in Q4 2014

Charles Brandes 137,786 sh (+2.50%)
Michael Price 500,000 sh (unchged)
Steven Cohen Sold Out
Paul Tudor Jones Sold Out
HOTCHKIS & WILEY 795,400 sh (-0.65%)
John Keeley 828,560 sh (-2.64%)
Jim Simons 6,367,825 sh (-19.67%)
» More
Q1 2015

ISBC Guru Trades in Q1 2015

HOTCHKIS & WILEY 815,400 sh (+2.51%)
Michael Price 500,000 sh (unchged)
John Keeley 825,230 sh (-0.40%)
Charles Brandes 136,681 sh (-0.80%)
Jim Simons 4,966,725 sh (-22.00%)
» More
Q2 2015

ISBC Guru Trades in Q2 2015

Paul Tudor Jones 136,521 sh (New)
HOTCHKIS & WILEY 861,800 sh (+5.69%)
Michael Price 500,000 sh (unchged)
John Keeley 803,692 sh (-2.61%)
Charles Brandes 103,899 sh (-23.98%)
Jim Simons 3,493,487 sh (-29.66%)
» More
» Details

Insider Trades

Latest Guru Trades with ISBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 23.78
ISBC's P/E(ttm) is ranked lower than
84% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. ISBC: 23.78 )
Ranked among companies with meaningful P/E(ttm) only.
ISBC' s 10-Year P/E(ttm) Range
Min: 17.52  Med: 29.16 Max: 239.6
Current: 23.78
17.52
239.6
Forward P/E 20.33
ISBC's Forward P/E is ranked lower than
94% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. ISBC: 20.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 24.00
ISBC's PE(NRI) is ranked lower than
85% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. ISBC: 24.00 )
Ranked among companies with meaningful PE(NRI) only.
ISBC' s 10-Year PE(NRI) Range
Min: 17.52  Med: 29.57 Max: 239.6
Current: 24
17.52
239.6
P/B 1.19
ISBC's P/B is ranked lower than
63% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. ISBC: 1.19 )
Ranked among companies with meaningful P/B only.
ISBC' s 10-Year P/B Range
Min: 0.99  Med: 1.75 Max: 2.83
Current: 1.19
0.99
2.83
P/S 6.59
ISBC's P/S is ranked lower than
90% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. ISBC: 6.59 )
Ranked among companies with meaningful P/S only.
ISBC' s 10-Year P/S Range
Min: 3.83  Med: 6.17 Max: 18.46
Current: 6.59
3.83
18.46
PFCF 19.89
ISBC's PFCF is ranked lower than
80% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. ISBC: 19.89 )
Ranked among companies with meaningful PFCF only.
ISBC' s 10-Year PFCF Range
Min: 7.37  Med: 16.98 Max: 122.04
Current: 19.89
7.37
122.04
POCF 17.54
ISBC's POCF is ranked lower than
82% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. ISBC: 17.54 )
Ranked among companies with meaningful POCF only.
ISBC' s 10-Year POCF Range
Min: 6.96  Med: 14.63 Max: 87.17
Current: 17.54
6.96
87.17
EV-to-EBIT 27.26
ISBC's EV-to-EBIT is ranked lower than
81% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. ISBC: 27.26 )
Ranked among companies with meaningful EV-to-EBIT only.
ISBC' s 10-Year EV-to-EBIT Range
Min: -30.7  Med: 34.00 Max: 237.8
Current: 27.26
-30.7
237.8
Shiller P/E 34.77
ISBC's Shiller P/E is ranked lower than
88% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. ISBC: 34.77 )
Ranked among companies with meaningful Shiller P/E only.
ISBC' s 10-Year Shiller P/E Range
Min: 33.78  Med: 55.35 Max: 561.6
Current: 34.77
33.78
561.6
Days Sales Outstanding 34.55
ISBC's Days Sales Outstanding is ranked lower than
51% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. ISBC: 34.55 )
Ranked among companies with meaningful Days Sales Outstanding only.
ISBC' s 10-Year Days Sales Outstanding Range
Min: 34.55  Med: 68.43 Max: 768.73
Current: 34.55
34.55
768.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
ISBC's Dividend Yield is ranked lower than
74% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. ISBC: 1.60 )
Ranked among companies with meaningful Dividend Yield only.
ISBC' s 10-Year Dividend Yield Range
Min: 0.28  Med: 0.80 Max: 1.66
Current: 1.6
0.28
1.66
Dividend Payout 0.36
ISBC's Dividend Payout is ranked lower than
54% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. ISBC: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
ISBC' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.26 Max: 0.5
Current: 0.36
0.18
0.5
Yield on cost (5-Year) 1.60
ISBC's Yield on cost (5-Year) is ranked lower than
77% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. ISBC: 1.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ISBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.28  Med: 0.80 Max: 1.66
Current: 1.6
0.28
1.66
Share Buyback Rate -8.10
ISBC's Share Buyback Rate is ranked lower than
74% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. ISBC: -8.10 )
Ranked among companies with meaningful Share Buyback Rate only.
ISBC' s 10-Year Share Buyback Rate Range
Min: 0  Med: 2.80 Max: -8.1
Current: -8.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.24
ISBC's Price/Tangible Book is ranked lower than
57% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. ISBC: 1.24 )
Ranked among companies with meaningful Price/Tangible Book only.
ISBC' s 10-Year Price/Tangible Book Range
Min: 1.05  Med: 1.78 Max: 3
Current: 1.24
1.05
3
Price/Projected FCF 0.73
ISBC's Price/Projected FCF is ranked lower than
59% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. ISBC: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
ISBC' s 10-Year Price/Projected FCF Range
Min: 0.42  Med: 0.82 Max: 1.3
Current: 0.73
0.42
1.3
Price/Median PS Value 1.07
ISBC's Price/Median PS Value is ranked lower than
54% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. ISBC: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
ISBC' s 10-Year Price/Median PS Value Range
Min: 0.64  Med: 0.98 Max: 2.99
Current: 1.07
0.64
2.99
Price/Peter Lynch Fair Value 1.51
ISBC's Price/Peter Lynch Fair Value is ranked lower than
78% of the 371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. ISBC: 1.51 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ISBC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54  Med: 1.45 Max: 1.8
Current: 1.51
0.54
1.8
Price/Graham Number 1.15
ISBC's Price/Graham Number is ranked lower than
78% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. ISBC: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
ISBC' s 10-Year Price/Graham Number Range
Min: 1.14  Med: 1.54 Max: 3.34
Current: 1.15
1.14
3.34
Earnings Yield (Greenblatt) (%) 3.69
ISBC's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. ISBC: 3.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ISBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.4  Med: 2.90 Max: 4
Current: 3.69
0.4
4
Forward Rate of Return (Yacktman) (%) 21.46
ISBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. ISBC: 21.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ISBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.9  Med: 5.70 Max: 28.5
Current: 21.46
1.9
28.5

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 633 658 645
EPS($) 0.51 0.57 0.64
EPS without NRI($) 0.51 0.57 0.64

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:0IB.Germany,
Investors Bancorp Inc is a Delaware corporation that was organized on January 21, 1997 for the purpose of being a holding company for Investors Bank a New Jersey chartered savings bank. On October 11, 2005, the Company completed its initial public stock offering. The Company completed the acquisition of Gateway Community Financial Corp., the federally-chartered holding company for GCF Bank, on January 10, 2014. Investors Savings Bank is a New Jersey-chartered savings bank headquartered in Short Hills, New Jersey. Originally founded in 1926 as a New Jersey-chartered mutual savings and loan association, it has grown through acquisitions and internal growth, including de novo branching. In 1992, it converted its charter to a mutual savings bank, and in 1997 it converted its charter to a New Jersey-chartered stock savings bank. The Company through its subsidiaries is in the business of attracting deposits from the public through its branch network and borrowing funds in the wholesale markets to originate loans and to invest in securities. It originates mortgage loans secured by one- to four-family residential real estate, multi-family loans, commercial real estate loans, construction loans, commercial and industrial loans and consumer loans, the majority of which are home equity loans and home equity lines of credit. It offers a variety of deposit accounts and emphasizes exceptional customer service. Investors Savings Bank is subject to comprehensive regulation and examination by both the New Jersey Department of Banking and Insurance and the Federal Deposit Insurance Corporation and it is subject to regulations as a bank holding company by the Federal Reserve Board. Securities, mainly U.S. Government and Federal Agency obligations, mortgage-backed and other securities represent a large but declining percentage of its assets. The Company's results of operations are dependent mainly on its net interest income, which is the difference between the interest earned on its assets, mainly its loan and securities portfolios, and the interest paid on its deposits and borrowings. The Company's main focus is to build and develop profitable customer relationships across all lines of business while maintaining its role as a community bank. The Company's lending activity loan portfolio is comprised primarily of residential real estate loans, multi-family loans, commercial real estate loans, construction loans, commercial and industrial loans and consumer and other loans. The Company faces competition within its market area both in making loans and attracting deposits. The Company's competition for loans and deposits comes mainly from commercial banks, savings institutions, mortgage banking firms and credit unions. The Company faces additional competition for deposits from short-term money market funds, brokerage firms, mutual funds and insurance companies. The Company is subject to the Bank Holding Company Act of 1956, as amended and the rules and
» More Articles for ISBC

Headlines

Articles On GuruFocus.com
Six Sells in Review - The Charles Brandes Third Quarter Update Nov 14 2013 
Investors Bancorp Inc. Reports Operating Results (10-K) Mar 01 2011 
Investors Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2010 
Investors Bancorp Inc. Reports Operating Results (10-Q) May 10 2010 
Investors Bancorp Inc. Reports Operating Results (10-KT/A) Apr 30 2010 
Investors Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2009 
Investors Bancorp Inc. Reports Operating Results (10-K) Aug 26 2009 
Investors Bancorp Inc. Reports Operating Results (10-Q) May 11 2009 
Investors Bancorp Inc. (ISBC) CEO Kevin Cummings buys 10,000 Shares Mar 04 2009 
Investors Bancorp Inc. (ISBC) President & CEO Kevin Cummings buys 7,500 Shares Feb 23 2009 

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