Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
20.28 (1y: +35%)
Market Cap 2.25 B P/E(ttm) 22.60
Enterprise Value 5.04 B P/B 2.13
Switch to:

GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.057
ISBC's Cash to Debt is ranked lower than
76% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. ISBC: 0.057 )
ISBC' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.06
Equity to Asset 0.076
ISBC's Equity to Asset is ranked lower than
69% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. ISBC: 0.076 )
ISBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.16
Current: 0.08
0.07
0.16
Interest Coverage No Debt
ISBC's Interest Coverage is ranked lower than
61% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. ISBC: No Debt )
ISBC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.36
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 34.70
ISBC's Operating margin (%) is ranked higher than
72% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 24.60 vs. ISBC: 34.70 )
ISBC' s 10-Year Operating margin (%) Range
Min: -616.3   Max: 35.1
Current: 34.7
-616.3
35.1
Net-margin (%) 21.3
ISBC's Net-margin (%) is ranked higher than
62% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. ISBC: 21.3 )
ISBC' s 10-Year Net-margin (%) Range
Min: -366.6   Max: 37.9
Current: 21.3
-366.6
37.9
ROE (%) 8.3
ISBC's ROE (%) is ranked higher than
64% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. ISBC: 8.3 )
ISBC' s 10-Year ROE (%) Range
Min: -7.9   Max: 9.8
Current: 8.3
-7.9
9.8
ROA (%) 0.7
ISBC's ROA (%) is ranked higher than
53% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. ISBC: 0.7 )
ISBC' s 10-Year ROA (%) Range
Min: -0.8   Max: 0.7
Current: 0.7
-0.8
0.7
Revenue Growth (%) 118.3
ISBC's Revenue Growth (%) is ranked higher than
100% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. ISBC: 118.3 )
ISBC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 118.3
Current: 118.3
0
118.3
ยป ISBC's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

ISBC Guru Trades in Q2 2012

Michael Price 100,000 sh (New)
Steven Cohen 10,746 sh (New)
Paul Tudor Jones 28,000 sh (+6.06%)
Charles Brandes 17,035 sh (+1.55%)
Jim Simons 820,218 sh (-0.71%)
» More
Q3 2012

ISBC Guru Trades in Q3 2012

John Keeley 312,852 sh (New)
Jeremy Grantham 14,400 sh (New)
Paul Tudor Jones 31,000 sh (+10.71%)
Jim Simons 872,418 sh (+6.36%)
Michael Price 100,000 sh (unchged)
Steven Cohen Sold Out
Charles Brandes 15,875 sh (-6.81%)
» More
Q4 2012

ISBC Guru Trades in Q4 2012

John Keeley 953,352 sh (+204.73%)
Jim Simons 910,218 sh (+4.33%)
Michael Price 100,000 sh (unchged)
Paul Tudor Jones Sold Out
Charles Brandes 15,600 sh (-1.73%)
» More
Q1 2013

ISBC Guru Trades in Q1 2013

John Keeley 1,053,352 sh (+10.49%)
Jim Simons 920,318 sh (+1.11%)
Charles Brandes 15,680 sh (+0.51%)
Michael Price 100,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with ISBC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2012-12-31 Add 204.73%0.26%$15.88 - $18.81 $ 20.2816%953352
John Keeley 2012-09-30 New Buy0.13%$15.07 - $18.38 $ 20.2823%312852
Michael Price 2012-06-30 New Buy0.22%$14.51 - $15.49 $ 20.2836%100000
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 22.60
ISBC's P/E(ttm) is ranked lower than
81% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. ISBC: 22.60 )
ISBC' s 10-Year P/E(ttm) Range
Min: 17.58   Max: 197.86
Current: 22.6
17.58
197.86
P/B 2.13
ISBC's P/B is ranked lower than
93% of the 876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. ISBC: 2.13 )
ISBC' s 10-Year P/B Range
Min: 0.96   Max: 2.04
Current: 2.13
0.96
2.04
P/S 5.10
ISBC's P/S is ranked lower than
88% of the 894 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. ISBC: 5.10 )
ISBC' s 10-Year P/S Range
Min: 3.84   Max: 18.38
Current: 5.1
3.84
18.38
PFCF 11.86
ISBC's PFCF is ranked lower than
71% of the 694 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. ISBC: 11.86 )
ISBC' s 10-Year PFCF Range
Min: 7.41   Max: 101.43
Current: 11.86
7.41
101.43
EV-to-EBIT 32.22
ISBC's EV-to-EBIT is ranked lower than
80% of the 745 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.84 vs. ISBC: 32.22 )
ISBC' s 10-Year EV-to-EBIT Range
Min: 28   Max: 229.3
Current: 32.22
28
229.3
Shiller P/E 51.27
ISBC's Shiller P/E is ranked lower than
100% of the Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: vs. ISBC: 51.27 )
ISBC' s 10-Year Shiller P/E Range
Min: 44.43   Max: 64.92
Current: 51.27
44.43
64.92

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.74
ISBC's Dividend Yield is ranked lower than
65% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.59 vs. ISBC: 0.74 )
ISBC' s 10-Year Dividend Yield Range
Min: 0.27   Max: 0.56
Current: 0.74
0.27
0.56
Dividend Payout 0.1
ISBC's Dividend Payout is ranked higher than
86% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.30 vs. ISBC: 0.1 )
ISBC' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.06
Current: 0.1
Yield on cost (5-Year) 0.70
ISBC's Yield on cost (5-Year) is ranked lower than
57% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. ISBC: 0.70 )
ISBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.27   Max: 0.56
Current: 0.7
0.27
0.56
Share Buyback Rate -0.8
ISBC's Share Buyback Rate is ranked lower than
56% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -0.30 vs. ISBC: -0.8 )
ISBC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.8
Current: -0.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 2.4
ISBC's Price/Tangible Book is ranked lower than
91% of the 797 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ISBC: 2.4 )
ISBC' s 10-Year Price/Tangible Book Range
Min: 1.2   Max: 3.8
Current: 2.4
1.2
3.8
Price/DCF (Projected) 0.9
ISBC's Price/DCF (Projected) is ranked lower than
80% of the 503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. ISBC: 0.9 )
ISBC' s 10-Year Price/DCF (Projected) Range
Min: 0.7   Max: 0.8
Current: 0.9
0.7
0.8
Price/Median PS Value 0.8
ISBC's Price/Median PS Value is ranked higher than
65% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ISBC: 0.8 )
ISBC' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 2.7
Current: 0.8
0.7
2.7
Price/Graham Number 1.7
ISBC's Price/Graham Number is ranked lower than
93% of the 763 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ISBC: 1.7 )
ISBC' s 10-Year Price/Graham Number Range
Min: 1.1   Max: 6.2
Current: 1.7
1.1
6.2
Earnings Yield (Greenblatt) 3.10
ISBC's Earnings Yield (Greenblatt) is ranked lower than
66% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. ISBC: 3.10 )
ISBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 3.6
Current: 3.1
0.4
3.6
Forward Rate of Return (Yacktman) 4.08
ISBC's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.38 vs. ISBC: 4.08 )
ISBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.4   Max: 5.6
Current: 4.08
3.4
5.6

Business Description

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
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK
ยป More Articles for ISBC

Headlines

Articles On GuruFocus.com
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 
Investors Bancorp Inc. Reports Operating Results (10-Q) Feb 10 2009 

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?

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