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Also traded in: Germany

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 0.05
ISBC's Cash to Debt is ranked lower than
96% of the 1075 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. ISBC: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
ISBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.07 Max: N/A
Current: 0.05
Equity to Asset 0.16
ISBC's Equity to Asset is ranked higher than
89% of the 1536 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ISBC: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
ISBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.19
Current: 0.16
0.07
0.19
Interest Coverage 2.06
ISBC's Interest Coverage is ranked higher than
54% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.89 vs. ISBC: 2.06 )
Ranked among companies with meaningful Interest Coverage only.
ISBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.08  Med: 0.87 Max: 9999.99
Current: 2.06
0.08
9999.99
F-Score: 5
WACC vs ROIC
6.49%
2.82%
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 (%) 44.22
ISBC's Operating margin (%) is ranked higher than
78% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.52 vs. ISBC: 44.22 )
Ranked among companies with meaningful Operating margin (%) only.
ISBC' s Operating margin (%) Range Over the Past 10 Years
Min: -616.28  Med: 33.33 Max: 37.24
Current: 44.22
-616.28
37.24
Net-margin (%) 28.57
ISBC's Net-margin (%) is ranked higher than
70% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.98 vs. ISBC: 28.57 )
Ranked among companies with meaningful Net-margin (%) only.
ISBC' s Net-margin (%) Range Over the Past 10 Years
Min: -366.64  Med: 21.29 Max: 24.98
Current: 28.57
-366.64
24.98
ROE (%) 5.27
ISBC's ROE (%) is ranked lower than
72% of the 1546 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.24 vs. ISBC: 5.27 )
Ranked among companies with meaningful ROE (%) only.
ISBC' s ROE (%) Range Over the Past 10 Years
Min: -7.88  Med: 5.36 Max: 9.33
Current: 5.27
-7.88
9.33
ROA (%) 0.91
ISBC's ROA (%) is ranked higher than
56% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. ISBC: 0.91 )
Ranked among companies with meaningful ROA (%) only.
ISBC' s ROA (%) Range Over the Past 10 Years
Min: -0.89  Med: 0.70 Max: 0.79
Current: 0.91
-0.89
0.79
Revenue Growth (3Y)(%) -100.00
ISBC's Revenue Growth (3Y)(%) is ranked higher than
73% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. ISBC: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ISBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -17.35 Max: 178.4
Current: -100
0
178.4
EBITDA Growth (3Y)(%) -100.00
ISBC's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1151 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.80 vs. ISBC: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ISBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -44.95 Max: 74.2
Current: -100
0
74.2
EPS Growth (3Y)(%) -100.00
ISBC's EPS Growth (3Y)(%) is ranked higher than
52% of the 1151 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.30 vs. ISBC: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ISBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -50.00 Max: 68.3
Current: -100
0
68.3
» ISBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

ISBC Guru Trades in Q4 2014

Charles Brandes 137,786 sh (+2.50%)
Michael Price 500,000 sh (unchged)
Paul Tudor Jones Sold Out
Steven Cohen 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
Q3 2015

ISBC Guru Trades in Q3 2015

Chuck Royce 25,300 sh (New)
Jim Simons 4,355,487 sh (+24.67%)
Charles Brandes 106,399 sh (+2.41%)
Michael Price 500,000 sh (unchged)
HOTCHKIS & WILEY 855,600 sh (-0.72%)
John Keeley 687,772 sh (-14.42%)
Paul Tudor Jones 60,403 sh (-55.76%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.51
ISBC's P/E(ttm) is ranked lower than
86% of the 2205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.42 vs. ISBC: 21.51 )
Ranked among companies with meaningful P/E(ttm) only.
ISBC' s P/E(ttm) Range Over the Past 10 Years
Min: 17.52  Med: 27.99 Max: 239.5
Current: 21.51
17.52
239.5
Forward P/E 18.18
ISBC's Forward P/E is ranked lower than
95% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.45 vs. ISBC: 18.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.72
ISBC's PE(NRI) is ranked lower than
85% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.50 vs. ISBC: 21.72 )
Ranked among companies with meaningful PE(NRI) only.
ISBC' s PE(NRI) Range Over the Past 10 Years
Min: 17.52  Med: 28.61 Max: 239.5
Current: 21.72
17.52
239.5
P/B 1.12
ISBC's P/B is ranked lower than
62% of the 2217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. ISBC: 1.12 )
Ranked among companies with meaningful P/B only.
ISBC' s P/B Range Over the Past 10 Years
Min: 0.99  Med: 1.73 Max: 2.83
Current: 1.12
0.99
2.83
P/S 6.22
ISBC's P/S is ranked lower than
98% of the 2382 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.47 vs. ISBC: 6.22 )
Ranked among companies with meaningful P/S only.
ISBC' s P/S Range Over the Past 10 Years
Min: 3.83  Med: 6.27 Max: 18.47
Current: 6.22
3.83
18.47
PFCF 8.04
ISBC's PFCF is ranked higher than
51% of the 1368 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.46 vs. ISBC: 8.04 )
Ranked among companies with meaningful PFCF only.
ISBC' s PFCF Range Over the Past 10 Years
Min: 7.36  Med: 16.31 Max: 122
Current: 8.04
7.36
122
POCF 7.61
ISBC's POCF is ranked lower than
52% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. ISBC: 7.61 )
Ranked among companies with meaningful POCF only.
ISBC' s POCF Range Over the Past 10 Years
Min: 6.96  Med: 14.35 Max: 87.14
Current: 7.61
6.96
87.14
EV-to-EBIT 25.45
ISBC's EV-to-EBIT is ranked lower than
81% of the 2126 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.54 vs. ISBC: 25.45 )
Ranked among companies with meaningful EV-to-EBIT only.
ISBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.7  Med: 33.75 Max: 237.9
Current: 25.45
-30.7
237.9
EV-to-EBITDA 23.96
ISBC's EV-to-EBITDA is ranked lower than
84% of the 2127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.24 vs. ISBC: 23.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
ISBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.4  Med: 31.60 Max: 158.2
Current: 23.96
-31.4
158.2
Shiller P/E 55.10
ISBC's Shiller P/E is ranked lower than
93% of the 626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.98 vs. ISBC: 55.10 )
Ranked among companies with meaningful Shiller P/E only.
ISBC' s Shiller P/E Range Over the Past 10 Years
Min: 54.33  Med: 64.06 Max: 69.81
Current: 55.1
54.33
69.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.75
ISBC's Dividend Yield is ranked lower than
76% of the 2363 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. ISBC: 1.75 )
Ranked among companies with meaningful Dividend Yield only.
ISBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.28  Med: 0.86 Max: 1.75
Current: 1.75
0.28
1.75
Dividend Payout 0.36
ISBC's Dividend Payout is ranked higher than
65% of the 1434 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. ISBC: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
ISBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.20 Max: 0.31
Current: 0.36
0.06
0.31
Dividend Growth (3y) -100.00
ISBC's Dividend Growth (3y) is ranked lower than
99.99% of the 715 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.30 vs. ISBC: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ISBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: -100
Current: -100
Forward Dividend Yield 2.06
ISBC's Forward Dividend Yield is ranked lower than
75% of the 2153 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. ISBC: 2.06 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.75
ISBC's Yield on cost (5-Year) is ranked lower than
77% of the 2367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. ISBC: 1.75 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ISBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.28  Med: 0.86 Max: 1.75
Current: 1.75
0.28
1.75
3-Year Average Share Buyback Ratio -9.10
ISBC's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 1056 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. ISBC: -9.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ISBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.1  Med: 1.55 Max: 0
Current: -9.1
-9.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
ISBC's Price/Tangible Book is ranked lower than
57% of the 2120 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. ISBC: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
ISBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.16  Med: 1.72 Max: 2.89
Current: 1.15
1.16
2.89
Price/Projected FCF 0.62
ISBC's Price/Projected FCF is ranked lower than
99.99% of the 1270 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.45 vs. ISBC: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
ISBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.73  Med: 0.84 Max: 1.19
Current: 0.62
0.73
1.19
Price/Median PS Value 0.99
ISBC's Price/Median PS Value is ranked lower than
99.99% of the 2030 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. ISBC: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
ISBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.65  Med: 0.96 Max: 2.72
Current: 0.99
0.65
2.72
Price/Peter Lynch Fair Value 1.32
ISBC's Price/Peter Lynch Fair Value is ranked lower than
99.99% of the 580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. ISBC: 1.32 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ISBC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.44  Med: 1.44 Max: 1.44
Current: 1.32
Price/Graham Number 1.03
ISBC's Price/Graham Number is ranked lower than
99.99% of the 1943 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. ISBC: 1.03 )
Ranked among companies with meaningful Price/Graham Number only.
ISBC' s Price/Graham Number Range Over the Past 10 Years
Min: 1.15  Med: 1.61 Max: 2.81
Current: 1.03
1.15
2.81
Earnings Yield (Greenblatt) (%) 3.96
ISBC's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. ISBC: 3.96 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ISBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 2.90 Max: 4
Current: 3.96
0.4
4
Forward Rate of Return (Yacktman) (%) 23.35
ISBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 818 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.68 vs. ISBC: 23.35 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ISBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.9  Med: 5.70 Max: 28.5
Current: 23.35
1.9
28.5

More Statistics

Revenue(Mil) $626
EPS $ 0.53
Beta0.59
Short Percentage of Float3.23%
52-Week Range $11.05 - 13.13
Shares Outstanding(Mil)338.52

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.57 0.64
EPS without NRI($) 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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