Switch to:

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 0.12
ISBC's Cash to Debt is ranked lower than
52% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. ISBC: 0.12 )
ISBC' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.12

Equity to Asset 0.20
ISBC's Equity to Asset is ranked higher than
96% of the 1651 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. ISBC: 0.20 )
ISBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.2
Current: 0.2

0.07
0.2
Interest Coverage 1.60
ISBC's Interest Coverage is ranked higher than
71% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. ISBC: 1.60 )
ISBC' s 10-Year Interest Coverage Range
Min: 0.08   Max: 1.6
Current: 1.6

0.08
1.6
F-Score: 5
Z-Score: 0.27
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 (%) 37.24
ISBC's Operating margin (%) is ranked higher than
84% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. ISBC: 37.24 )
ISBC' s 10-Year Operating margin (%) Range
Min: -616.28   Max: 37.24
Current: 37.24

-616.28
37.24
Net-margin (%) 23.74
ISBC's Net-margin (%) is ranked higher than
79% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. ISBC: 23.74 )
ISBC' s 10-Year Net-margin (%) Range
Min: -366.64   Max: 37.89
Current: 23.74

-366.64
37.89
ROE (%) 8.40
ISBC's ROE (%) is ranked higher than
76% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. ISBC: 8.40 )
ISBC' s 10-Year ROE (%) Range
Min: -7.92   Max: 9.82
Current: 8.4

-7.92
9.82
ROA (%) 0.72
ISBC's ROA (%) is ranked higher than
71% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. ISBC: 0.72 )
ISBC' s 10-Year ROA (%) Range
Min: -0.8   Max: 0.74
Current: 0.72

-0.8
0.74
ROC (Joel Greenblatt) (%) 127.28
ISBC's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. ISBC: 127.28 )
ISBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -247.2   Max: 206.7
Current: 127.28

-247.2
206.7
Revenue Growth (%) 16.40
ISBC's Revenue Growth (%) is ranked higher than
95% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ISBC: 16.40 )
ISBC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 178.4
Current: 16.4

0
178.4
EBITDA Growth (%) 21.30
ISBC's EBITDA Growth (%) is ranked higher than
88% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. ISBC: 21.30 )
ISBC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 128.9
Current: 21.3

0
128.9
EPS Growth (%) 22.10
ISBC's EPS Growth (%) is ranked higher than
87% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. ISBC: 22.10 )
ISBC' s 10-Year EPS Growth (%) Range
Min: 0   Max: 69.1
Current: 22.1

0
69.1
» ISBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

ISBC Guru Trades in Q3 2013

John Keeley 1,242,116 sh (+10.08%)
Michael Price 100,000 sh (unchged)
Charles Brandes Sold Out
Jim Simons 890,918 sh (-0.29%)
» More
Q4 2013

ISBC Guru Trades in Q4 2013

Jim Simons 1,188,178 sh (+33.37%)
John Keeley 1,256,116 sh (+1.13%)
Michael Price Sold Out
» More
Q1 2014

ISBC Guru Trades in Q1 2014

Jim Simons 1,225,311 sh (+162.97%)
John Keeley 1,180,116 sh (+139.57%)
» More
Q2 2014

ISBC Guru Trades in Q2 2014

Michael Price 500,000 sh (New)
Charles Brandes 129,424 sh (New)
HOTCHKIS & WILEY 797,600 sh (New)
Jim Simons 10,244,125 sh (+227.86%)
Steven Cohen 1,150,000 sh (unchged)
John Keeley 831,320 sh (-72.37%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2014-06-30 New Buy0.68%$10.247 - $11.09 $ 10.610%500000
John Keeley 2014-06-30 Reduce -72.37%0.41%$10.247 - $11.09 $ 10.610%831320
Charles Brandes 2014-06-30 New Buy0.02%$10.247 - $11.09 $ 10.610%129424
John Keeley 2014-03-31 Add 139.57%0.33%$24.83 - $28.3 $ 10.61-59%1180116
Michael Price 2013-12-31 Sold Out 0.29%$21.62 - $25.66 $ 10.61-55%0
Charles Brandes 2013-09-30 Sold Out $20.52 - $22.59 $ 10.61-51%0
John Keeley 2012-12-31 Add 204.73%0.26%$15.88 - $18.81 $ 10.61-39%953352
John Keeley 2012-09-30 New Buy0.13%$15.07 - $18.38 $ 10.61-36%312852
Michael Price 2012-06-30 New Buy0.22%$14.51 - $15.49 $ 10.61-29%100000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 38.30
ISBC's P/E(ttm) is ranked higher than
53% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. ISBC: 38.30 )
ISBC' s 10-Year P/E(ttm) Range
Min: 17.52   Max: 1826
Current: 38.3

17.52
1826
P/B 1.08
ISBC's P/B is ranked higher than
71% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. ISBC: 1.08 )
ISBC' s 10-Year P/B Range
Min: 1   Max: 2.83
Current: 1.08

1
2.83
P/S 7.42
ISBC's P/S is ranked lower than
62% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. ISBC: 7.42 )
ISBC' s 10-Year P/S Range
Min: 3.86   Max: 26.62
Current: 7.42

3.86
26.62
PFCF 19.29
ISBC's PFCF is ranked higher than
67% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 109.09 vs. ISBC: 19.29 )
ISBC' s 10-Year PFCF Range
Min: 7.37   Max: 147.65
Current: 19.29

7.37
147.65
EV-to-EBIT 40.89
ISBC's EV-to-EBIT is ranked higher than
59% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. ISBC: 40.89 )
ISBC' s 10-Year EV-to-EBIT Range
Min: 24.7   Max: 229.4
Current: 40.89

24.7
229.4
Shiller P/E 56.79
ISBC's Shiller P/E is ranked higher than
61% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.55 vs. ISBC: 56.79 )
ISBC' s 10-Year Shiller P/E Range
Min: 51.69   Max: 561.6
Current: 56.79

51.69
561.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
ISBC's Dividend Yield is ranked lower than
64% of the 1413 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.42 vs. ISBC: 0.90 )
ISBC' s 10-Year Dividend Yield Range
Min: 0.28   Max: 0.96
Current: 0.9

0.28
0.96
Dividend Payout 0.24
ISBC's Dividend Payout is ranked higher than
80% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.48 vs. ISBC: 0.24 )
ISBC' s 10-Year Dividend Payout Range
Min: 0.19   Max: 0.51
Current: 0.24

0.19
0.51
Yield on cost (5-Year) 0.90
ISBC's Yield on cost (5-Year) is ranked lower than
64% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. ISBC: 0.90 )
ISBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.28   Max: 0.96
Current: 0.9

0.28
0.96
Share Buyback Rate -0.30
ISBC's Share Buyback Rate is ranked higher than
83% of the 1240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. ISBC: -0.30 )
ISBC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.1
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
ISBC's Price/Tangible Book is ranked higher than
79% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. ISBC: 1.11 )
ISBC' s 10-Year Price/Tangible Book Range
Min: 1.16   Max: 3
Current: 1.11

1.16
3
Price/DCF (Projected) 0.76
ISBC's Price/DCF (Projected) is ranked higher than
76% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. ISBC: 0.76 )
ISBC' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 3.11
Current: 0.76

0.42
3.11
Price/Median PS Value 1.15
ISBC's Price/Median PS Value is ranked higher than
69% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. ISBC: 1.15 )
ISBC' s 10-Year Price/Median PS Value Range
Min: 0.61   Max: 3.73
Current: 1.15

0.61
3.73
Price/Graham Number 1.33
ISBC's Price/Graham Number is ranked higher than
63% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ISBC: 1.33 )
ISBC' s 10-Year Price/Graham Number Range
Min: 1.14   Max: 3.34
Current: 1.33

1.14
3.34
Earnings Yield (Greenblatt) 2.40
ISBC's Earnings Yield (Greenblatt) is ranked lower than
51% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. ISBC: 2.40 )
ISBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 4
Current: 2.4

0.4
4
Forward Rate of Return (Yacktman) 3.58
ISBC's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. ISBC: 3.58 )
ISBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.4   Max: 4.5
Current: 3.58

1.4
4.5

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 Savings Bank or the 'Bank', a New Jersey chartered savings bank. On October 11, 2005, the Company completed its initial public stock offering. 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 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. The Company originates mortgage loans secured by one- to four-family residential real estate 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. In recent years, the Company expanded its lending activities to include commercial real estate, construction, multi-family loans and more recently commercial and industrial loans. 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 lending activity is originating and purchasing residential mortgage loans, most of which are secured by properties located in its main market area and most of which its hold in portfolio. It offers mortgages on multi-family and commercial real estate properties. The Company faces intense 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'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 is subject to the Bank Holding Company Act of 1956, as amended and the rules and regulatio

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK