NAS:ISBC (USA) Also trade in: Germany

Investors Bancorp Inc

$ 10.49 -0.27 (-2.51%)
Volume: 3,692,908 Avg Vol (1m): 2,039,536
Market Cap $: 2.92 Bil Enterprise Value $: 581.31 Mil
P/E (TTM): 15.22 P/B: 0.98
Earnings Power Value 8.06
Net Current Asset Value 0
Tangible Book 10.65
Projected FCF 19.96
Median P/S Value 13.81
Graham Number 12.86
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 6/10

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.
Current vs industry vs history
Cash-to-Debt No Debt
Cash-To-Debt ranked higher than
98.27% of 1617 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
ISBC: No Debt
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.01, Med: 0.19, Max: 10000
Current: 10000
0.01
10000
Equity-to-Asset 0.11
Equity-to-Asset ranked higher than
66.07% of 1627 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1, Med: 0.11, Min: -11.05
ISBC: 0.11
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.07, Med: 0.12, Max: 0.2
Current: 0.11
0.07
0.2
WACC vs ROIC %
ROIC 0%
WACC 9.54%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 28.26
Net Margin ranked higher than
62.84% of 1639 companies
in the Savings & Cooperative Banks industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
ISBC: 28.26
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -366.64, Med: 22.29, Max: 29.35
Current: 28.26
-366.64
29.35
ROE % 6.35
ROE ranked lower than
71.25% of 1638 companies
in the Savings & Cooperative Banks industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
ISBC: 6.35
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -7.88, Med: 6.29, Max: 9.33
Current: 6.35
-7.88
9.33
ROA % 0.75
ROA ranked lower than
63.28% of 1645 companies
in the Savings & Cooperative Banks industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
ISBC: 0.75
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -0.89, Med: 0.78, Max: 0.92
Current: 0.75
-0.89
0.92
3-Year Total Revenue Growth Rate 2.80
3-Year Revenue Growth Rate ranked higher than
83.15% of 1513 companies
in the Savings & Cooperative Banks industry.
Industry Max: 672.4, Med: 4.3, Min: -100
ISBC: 8.5
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -44.1, Med: 8.9, Max: 184
Current: 8.5
-44.1
184
3-Year EPS w/o NRI Growth Rate 9.40
3-Year EPS w/o NRI Growth Rate ranked lower than
53.50% of 1359 companies
in the Savings & Cooperative Banks industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
ISBC: 9.4
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 4.2, Max: 69.2
Current: 9.4
0
69.2

» ISBC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Banks » Savings & Cooperative Banks    NAICS : 522120    SIC : 6035
Compare NAS:WAFD NYSE:AX NYSE:FBC NAS:CFFN NAS:NWBI NYSE:PFS NYSE:NYCB NAS:OCFC NAS:KRNY NAS:CASH NAS:EBSB NAS:HMST NAS:LOB NAS:DCOM NAS:UBNK NAS:HONE NAS:FDEF NAS:WSBF NAS:UCFC HKSE:00900
Traded in other countries 0IB.Germany
Address 101 JFK Parkway, Short Hills, NJ, USA, 07078
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

Current vs industry vs history
PE Ratio (TTM) 15.22
PE Ratio ranked lower than
79.70% of 1557 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
ISBC: 15.22
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 14.31, Med: 22.76, Max: 107.86
Current: 15.22
14.31
107.86
Forward PE Ratio 13.37
Forward P/E ranked lower than
89.53% of 487 companies
in the Savings & Cooperative Banks industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
ISBC: 13.37
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 15.22
PE without NRI ranked lower than
79.24% of 1532 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
ISBC: 15.22
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 14.31, Med: 22.76, Max: 107.86
Current: 15.22
14.31
107.86
Price-to-Owner-Earnings 21.79
Price-to-Owner-Earnings ranked lower than
60.06% of 989 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
ISBC: 21.79
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 11.66, Med: 22.16, Max: 355.29
Current: 21.79
11.66
355.29
PB Ratio 0.98
PB Ratio ranked lower than
57.96% of 1651 companies
in the Savings & Cooperative Banks industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
ISBC: 0.98
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.97, Med: 1.43, Max: 2.83
Current: 0.98
0.97
2.83
PS Ratio 4.26
PS Ratio ranked lower than
83.26% of 1649 companies
in the Savings & Cooperative Banks industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
ISBC: 4.26
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 3.84, Med: 5.62, Max: 14.38
Current: 4.26
3.84
14.38
Price-to-Free-Cash-Flow 15.40
Price-to-Free-Cash-Flow ranked lower than
62.59% of 882 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
ISBC: 15.4
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.92, Med: 14.34, Max: 81.62
Current: 15.4
6.92
81.62
Price-to-Operating-Cash-Flow 14.12
Price-to-Operating-Cash-Flow ranked lower than
66.46% of 948 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
ISBC: 14.12
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 6.61, Med: 13.27, Max: 68.64
Current: 14.12
6.61
68.64
EV-to-Revenue 0.84
EV-to-Revenue ranked higher than
70.72% of 1325 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
ISBC: 0.84
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.7, Med: 4.2, Max: 29.9
Current: 0.84
0.7
29.9
Shiller PE Ratio 23.08
Shiller PE Ratio ranked lower than
86.46% of 672 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
ISBC: 23.08
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 22.99, Med: 48.81, Max: 69.81
Current: 23.08
22.99
69.81

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 3.98
Trailing Dividend Yield ranked higher than
55.32% of 2587 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
ISBC: 3.98
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.28, Med: 1.74, Max: 4
Current: 3.98
0.28
4
Dividend Payout Ratio 0.57
Dividend Payout Ratio ranked lower than
78.17% of 1420 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
ISBC: 0.57
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.06, Med: 0.36, Max: 0.77
Current: 0.57
0.06
0.77
3-Year Dividend Growth Rate (Per Share) 23.90
3-Year Dividend Growth Rate ranked higher than
92.27% of 880 companies
in the Savings & Cooperative Banks industry.
Industry Max: 228.7, Med: 6, Min: -100
ISBC: 23.9
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 115.4
Current: 23.9
0
115.4
Forward Dividend Yield % 4.09
Forward Dividend Yield ranked higher than
56.91% of 2534 companies
in the Savings & Cooperative Banks industry.
Industry Max: 98, Med: 3.16, Min: 0.01
ISBC: 4.09
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 19.85
Yield-on-Cost (5y) ranked higher than
99.14% of 2561 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
ISBC: 19.85
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.4, Med: 8.68, Max: 19.95
Current: 19.85
1.4
19.95
3-Year Share Buyback Rate 5.10
3-Year Share Buyback Rate ranked higher than
97.27% of 1137 companies
in the Savings & Cooperative Banks industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
ISBC: 5.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -8.2, Med: 0, Max: 5.1
Current: 5.1
-8.2
5.1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 0.98
Price-to-Tangible-Book ranked lower than
52.85% of 1669 companies
in the Savings & Cooperative Banks industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
ISBC: 0.98
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.98, Med: 1.59, Max: 3
Current: 0.98
0.98
3
Price-to-Projected-FCF 0.53
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
62.11% of 958 companies
in the Savings & Cooperative Banks industry.
Industry Max: 460, Med: 0.76, Min: 0.01
ISBC: 0.53
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.52, Med: 0.77, Max: 1.42
Current: 0.53
0.52
1.42
Price-to-Median-PS-Value 0.76
Price-to-Median-PS-Value ranked higher than
68.90% of 1524 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186, Med: 1.02, Min: 0.03
ISBC: 0.76
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.7, Med: 1.03, Max: 3.3
Current: 0.76
0.7
3.3
Price-to-Graham-Number 0.82
Price-to-Graham-Number ranked lower than
70.66% of 1476 companies
in the Savings & Cooperative Banks industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
ISBC: 0.82
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.81, Med: 1.33, Max: 3.73
Current: 0.82
0.81
3.73

More Statistics

Revenue (TTM) (Mil) $ 682.38
EPS (TTM) $ 0.69
Beta 1.19
Volatility % 29.7
52-Week Range $ 9.94 - 13.8
Shares Outstanding (Mil) 278.72

Analyst Estimate

Piotroski F-Score Details