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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.03
NAS:ISBC's Cash-to-Debt is ranked lower than
98% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. NAS:ISBC: 0.03 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:ISBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.05 Max: N/A
Current: 0.03
Equity-to-Asset 0.13
NAS:ISBC's Equity-to-Asset is ranked higher than
76% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:ISBC: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:ISBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: 0.2
Current: 0.13
0.07
0.2
Interest Coverage 1.90
NAS:ISBC's Interest Coverage is ranked higher than
53% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. NAS:ISBC: 1.90 )
Ranked among companies with meaningful Interest Coverage only.
NAS:ISBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.08  Med: 1.17 Max: 2.06
Current: 1.9
0.08
2.06
Beneish M-Score: -2.52
WACC vs ROIC
4.13%
2.69%
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 : 6/10

vs
industry
vs
history
Operating Margin % 43.59
NAS:ISBC's Operating Margin % is ranked higher than
75% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. NAS:ISBC: 43.59 )
Ranked among companies with meaningful Operating Margin % only.
NAS:ISBC' s Operating Margin % Range Over the Past 10 Years
Min: -616.28  Med: 34.85 Max: 44.22
Current: 43.59
-616.28
44.22
Net Margin % 28.15
NAS:ISBC's Net Margin % is ranked higher than
65% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. NAS:ISBC: 28.15 )
Ranked among companies with meaningful Net Margin % only.
NAS:ISBC' s Net Margin % Range Over the Past 10 Years
Min: -366.64  Med: 22.29 Max: 28.57
Current: 28.15
-366.64
28.57
ROE % 6.18
NAS:ISBC's ROE % is ranked lower than
68% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. NAS:ISBC: 6.18 )
Ranked among companies with meaningful ROE % only.
NAS:ISBC' s ROE % Range Over the Past 10 Years
Min: -7.88  Med: 5.67 Max: 9.33
Current: 6.18
-7.88
9.33
ROA % 0.86
NAS:ISBC's ROA % is ranked lower than
53% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. NAS:ISBC: 0.86 )
Ranked among companies with meaningful ROA % only.
NAS:ISBC' s ROA % Range Over the Past 10 Years
Min: -0.89  Med: 0.77 Max: 0.92
Current: 0.86
-0.89
0.92
3-Year Revenue Growth Rate 10.50
NAS:ISBC's 3-Year Revenue Growth Rate is ranked higher than
77% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. NAS:ISBC: 10.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:ISBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.3 Max: 184
Current: 10.5
0
184
3-Year EBITDA Growth Rate 17.10
NAS:ISBC's 3-Year EBITDA Growth Rate is ranked higher than
76% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NAS:ISBC: 17.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:ISBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 17.1 Max: 90.1
Current: 17.1
0
90.1
3-Year EPS without NRI Growth Rate 17.00
NAS:ISBC's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:ISBC: 17.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:ISBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 9.9 Max: 69.2
Current: 17
0
69.2
GuruFocus has detected 2 Warning Signs with Investors Bancorp Inc $NAS:ISBC.
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» NAS:ISBC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:WAFD, NYSE:AF, NAS:CFFN, NYSE:NYCB, NYSE:FBC, NYSE:PFS, NAS:NWBI, NAS:BOFI, NAS:KRNY, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:LOB, NAS:CASH, NAS:FFIC, NAS:HMST, NAS:DCOM, NAS:HONE, NAS:WSBF, NAS:FDEF » details
Traded in other countries:0IB.Germany,
Headquarter Location:USA
Investors Bancorp Inc operates as an independent full-service community bank. The Company offers banking products and services to consumer, business, commercial real estate, nonprofit and local government customers.

Investors Bancorp is the holding company for Investor Bank, a savings bank operating primarily in the greater New Jersey and New York metropolitan areas. The bank obtains funds through both deposits and the wholesale market to originate loans and invest in securities. Loans originated include commercial real estate loans, commercial and industrial loans, residential mortgage loans, construction loans, and consumer loans. The bank has traditionally grown through acquisitions and internal growth, including de novo branching. The vast majority of its loan portfolio is in commercial loans. The vast majority of its net revenue is in net interest income.

Ratios

vs
industry
vs
history
PE Ratio 19.44
ISBC's PE Ratio is ranked lower than
71% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. ISBC: 19.44 )
Ranked among companies with meaningful PE Ratio only.
ISBC' s PE Ratio Range Over the Past 10 Years
Min: 17.46  Med: 24.3 Max: 148.78
Current: 19.44
17.46
148.78
Forward PE Ratio 20.04
ISBC's Forward PE Ratio is ranked lower than
88% of the 384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.67 vs. ISBC: 20.04 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.44
ISBC's PE Ratio without NRI is ranked lower than
71% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. ISBC: 19.44 )
Ranked among companies with meaningful PE Ratio without NRI only.
ISBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 17.52  Med: 24.28 Max: 152.5
Current: 19.44
17.52
152.5
Price-to-Owner-Earnings 18.49
ISBC's Price-to-Owner-Earnings is ranked lower than
67% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. ISBC: 18.49 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ISBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 12.65  Med: 23.21 Max: 355.29
Current: 18.49
12.65
355.29
PB Ratio 1.28
ISBC's PB Ratio is ranked lower than
55% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. ISBC: 1.28 )
Ranked among companies with meaningful PB Ratio only.
ISBC' s PB Ratio Range Over the Past 10 Years
Min: 0.99  Med: 1.69 Max: 2.83
Current: 1.28
0.99
2.83
PS Ratio 5.57
ISBC's PS Ratio is ranked lower than
82% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. ISBC: 5.57 )
Ranked among companies with meaningful PS Ratio only.
ISBC' s PS Ratio Range Over the Past 10 Years
Min: 3.84  Med: 6.01 Max: 18.55
Current: 5.57
3.84
18.55
Price-to-Free-Cash-Flow 13.97
ISBC's Price-to-Free-Cash-Flow is ranked lower than
60% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. ISBC: 13.97 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ISBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.99  Med: 15.66 Max: 122
Current: 13.97
6.99
122
Price-to-Operating-Cash-Flow 12.91
ISBC's Price-to-Operating-Cash-Flow is ranked lower than
63% of the 959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.18 vs. ISBC: 12.91 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ISBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.67  Med: 14.04 Max: 98.98
Current: 12.91
6.67
98.98
EV-to-EBIT 29.78
ISBC's EV-to-EBIT is ranked lower than
85% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. ISBC: 29.78 )
Ranked among companies with meaningful EV-to-EBIT only.
ISBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.7  Med: 31.9 Max: 237.9
Current: 29.78
-30.7
237.9
EV-to-EBITDA 28.00
ISBC's EV-to-EBITDA is ranked lower than
86% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. ISBC: 28.00 )
Ranked among companies with meaningful EV-to-EBITDA only.
ISBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.4  Med: 29.6 Max: 158.2
Current: 28
-31.4
158.2
PEG Ratio 1.18
ISBC's PEG Ratio is ranked higher than
56% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. ISBC: 1.18 )
Ranked among companies with meaningful PEG Ratio only.
ISBC' s PEG Ratio Range Over the Past 10 Years
Min: 1.18  Med: 1.37 Max: 1.74
Current: 1.18
1.18
1.74
Shiller PE Ratio 41.70
ISBC's Shiller PE Ratio is ranked lower than
89% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. ISBC: 41.70 )
Ranked among companies with meaningful Shiller PE Ratio only.
ISBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 41.33  Med: 56.39 Max: 65.71
Current: 41.7
41.33
65.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.30
ISBC's Dividend Yield % is ranked lower than
57% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. ISBC: 2.30 )
Ranked among companies with meaningful Dividend Yield % only.
ISBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.28  Med: 1.25 Max: 2.32
Current: 2.3
0.28
2.32
Dividend Payout Ratio 0.42
ISBC's Dividend Payout Ratio is ranked higher than
68% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. ISBC: 0.42 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ISBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.31 Max: 0.42
Current: 0.42
0.06
0.42
3-Year Dividend Growth Rate 49.40
ISBC's 3-Year Dividend Growth Rate is ranked higher than
95% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. ISBC: 49.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ISBC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 115.4
Current: 49.4
0
115.4
Forward Dividend Yield % 2.48
ISBC's Forward Dividend Yield % is ranked lower than
56% of the 2234 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. ISBC: 2.48 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.30
ISBC's 5-Year Yield-on-Cost % is ranked lower than
69% of the 2672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. ISBC: 2.30 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ISBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.28  Med: 1.25 Max: 2.32
Current: 2.3
0.28
2.32
3-Year Average Share Buyback Ratio 4.30
ISBC's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. ISBC: 4.30 )
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: -8.2  Med: 0.8 Max: 0
Current: 4.3
-8.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.32
ISBC's Price-to-Tangible-Book is ranked lower than
52% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. ISBC: 1.32 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ISBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.05  Med: 1.75 Max: 3
Current: 1.32
1.05
3
Price-to-Intrinsic-Value-Projected-FCF 0.60
ISBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
68% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. ISBC: 0.60 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ISBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.54  Med: 0.78 Max: 5.05
Current: 0.6
0.54
5.05
Price-to-Median-PS-Value 0.93
ISBC's Price-to-Median-PS-Value is ranked higher than
76% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. ISBC: 0.93 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ISBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.66  Med: 1.02 Max: 3.09
Current: 0.93
0.66
3.09
Price-to-Peter-Lynch-Fair-Value 1.18
ISBC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
51% of the 464 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. ISBC: 1.18 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ISBC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.54  Med: 1.33 Max: 1.7
Current: 1.18
0.54
1.7
Price-to-Graham-Number 1.07
ISBC's Price-to-Graham-Number is ranked lower than
59% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. ISBC: 1.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ISBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.99  Med: 1.41 Max: 3.73
Current: 1.07
0.99
3.73
Earnings Yield (Greenblatt) % 3.35
ISBC's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. ISBC: 3.35 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ISBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -5.1  Med: 3 Max: 5
Current: 3.35
-5.1
5
Forward Rate of Return (Yacktman) % 23.22
ISBC's Forward Rate of Return (Yacktman) % is ranked higher than
75% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. ISBC: 23.22 )
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: 6.1 Max: 28.5
Current: 23.22
1.9
28.5

More Statistics

Revenue (TTM) (Mil) $690.94
EPS (TTM) $ 0.67
Beta0.59
Short Percentage of Float2.39%
52-Week Range $10.67 - 15.11
Shares Outstanding (Mil)310.36

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 721 745 768
EPS ($) 0.67 0.72 0.75
EPS without NRI ($) 0.67 0.72 0.75
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.33 0.39 0.50
» More Articles for ISBC

Headlines

Articles On GuruFocus.com
Investors Bank Appoints Michael Fegan Chief Information and Operations Officer Jun 22 2017 
Investors Bank Partners with the Pros for the "Experts in the Field" Campaign May 15 2017 
Investors Bancorp, Inc. Announces Date for First Quarter Earnings Conference Call Apr 03 2017 
Investors Bancorp announces election of new director Mar 31 2017 
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 

More From Other Websites
Investors Bank Appoints Michael Fegan Chief Information and Operations Officer Jun 22 2017
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Investors Bancorp, Inc. :ISBC-US: Earnings Analysis: Q1, 2017 By the Numbers : May 31, 2017 May 31 2017
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Investors Bank Partners with the Pros for the "Experts in the Field" Campaign May 15 2017
Investors Bancorp, Inc. : ISBC-US: Dividend Analysis : May 10th, 2017 (record date) : By the numbers... May 09 2017
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If there's a surprise to the market, it'll be to the upside: Activist investor Cliff... May 08 2017
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Robbins: There will be more bank consolidation May 08 2017
Investors Bancorp shares pop after recommendation from Blue Harbour's Cliff Robbins May 08 2017
Edited Transcript of ISBC earnings conference call or presentation 28-Apr-17 3:00pm GMT May 03 2017
Investors Bancorp meets 1Q profit forecasts Apr 27 2017
Investors Bancorp, Inc. Announces First Quarter Financial Results and Cash Dividend Apr 27 2017
Bank Stocks' Earnings to Watch on Apr 27: ISBC, GWB & More Apr 26 2017
Investors Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : ISBC-US : April 24,... Apr 24 2017
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Investors Bancorp announces election of new director Mar 28 2017

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