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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 No Debt
ISBC's Cash-to-Debt is ranked higher than
99% of the 1374 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. ISBC: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
ISBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.18 Max: No Debt
Current: No Debt
0.01
No Debt
Equity-to-Asset 0.12
ISBC's Equity-to-Asset is ranked higher than
66% of the 1386 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.11 vs. ISBC: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
ISBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: 0.2
Current: 0.12
0.07
0.2
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 : 4/10

vs
industry
vs
history
Net Margin % 22.70
ISBC's Net Margin % is ranked lower than
56% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 23.34 vs. ISBC: 22.70 )
Ranked among companies with meaningful Net Margin % only.
ISBC' s Net Margin % Range Over the Past 10 Years
Min: -366.64  Med: 21.66 Max: 28.57
Current: 22.7
-366.64
28.57
ROE % 5.31
ISBC's ROE % is ranked lower than
75% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.73 vs. ISBC: 5.31 )
Ranked among companies with meaningful ROE % only.
ISBC' s ROE % Range Over the Past 10 Years
Min: -7.88  Med: 5.67 Max: 9.33
Current: 5.31
-7.88
9.33
ROA % 0.65
ISBC's ROA % is ranked lower than
66% of the 1396 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. ISBC: 0.65 )
Ranked among companies with meaningful ROA % only.
ISBC' s ROA % Range Over the Past 10 Years
Min: -0.89  Med: 0.77 Max: 0.92
Current: 0.65
-0.89
0.92
3-Year Revenue Growth Rate 13.40
ISBC's 3-Year Revenue Growth Rate is ranked higher than
84% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. ISBC: 13.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ISBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -44.1  Med: 9.7 Max: 184
Current: 13.4
-44.1
184
3-Year EPS without NRI Growth Rate 4.20
ISBC's 3-Year EPS without NRI Growth Rate is ranked lower than
52% of the 1163 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.80 vs. ISBC: 4.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ISBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.1 Max: 69.2
Current: 4.2
0
69.2
GuruFocus has detected 2 Warning Signs with Investors Bancorp Inc ISBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ISBC's 30-Y Financials

Financials (Next Earnings Date: 2019-01-26 Est.)


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

» Details

Guru Trades

Q3 2017

ISBC Guru Trades in Q3 2017

Paul Singer 5,775,000 sh (New)
Paul Tudor Jones 50,376 sh (New)
Michael Price 540,000 sh (+8.00%)
Jim Simons 3,122,937 sh (+6.54%)
Chuck Royce 25,300 sh (unchged)
Joel Greenblatt Sold Out
HOTCHKIS & WILEY 791,315 sh (-0.07%)
» More
Q4 2017

ISBC Guru Trades in Q4 2017

Joel Greenblatt 10,421 sh (New)
Paul Tudor Jones 85,935 sh (+70.59%)
Paul Singer 6,025,000 sh (+4.33%)
Michael Price 540,000 sh (unchged)
Chuck Royce 25,300 sh (unchged)
HOTCHKIS & WILEY 791,225 sh (-0.01%)
Jim Simons 1,030,430 sh (-67.00%)
» More
Q1 2018

ISBC Guru Trades in Q1 2018

Louis Moore Bacon 3,422,117 sh (New)
Paul Singer 9,025,000 sh (+49.79%)
HOTCHKIS & WILEY 794,625 sh (+0.43%)
Chuck Royce 25,300 sh (unchged)
Michael Price 540,000 sh (unchged)
Joel Greenblatt Sold Out
Jim Simons 499,960 sh (-51.48%)
Paul Tudor Jones 22,229 sh (-74.13%)
» More
Q2 2018

ISBC Guru Trades in Q2 2018

Paul Tudor Jones 52,010 sh (+133.97%)
Jim Simons 1,013,512 sh (+102.72%)
HOTCHKIS & WILEY 1,060,068 sh (+33.40%)
Michael Price 555,000 sh (+2.78%)
Chuck Royce 25,300 sh (unchged)
Paul Singer 7,220,286 sh (-20.00%)
Louis Moore Bacon 293,083 sh (-91.44%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:ISBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:WAFD, NAS:BOFI, NYSE:NYCB, NYSE:FBC, NYSE:PFS, NAS:CFFN, NAS:NWBI, NAS:KRNY, NAS:OCFC, NAS:LOB, NAS:CASH, NAS:EBSB, NAS:UBNK, OSTO:NDX, NAS:DCOM, NAS:FFIC, NZSE:HBL, NAS:HMST, NAS:FDEF, NAS:HONE » details
Traded in other countries:0IB.Germany,
Headquarter Location:USA
Investors Bancorp Inc operates full-service community bank in the greater New Jersey and New York metropolitan areas that 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 21.60
ISBC's PE Ratio is ranked lower than
80% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.76 vs. ISBC: 21.60 )
Ranked among companies with meaningful PE Ratio only.
ISBC' s PE Ratio Range Over the Past 10 Years
Min: 17.46  Med: 23.49 Max: 141.86
Current: 21.6
17.46
141.86
Forward PE Ratio 16.10
ISBC's Forward PE Ratio is ranked lower than
78% of the 464 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.40 vs. ISBC: 16.10 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.60
ISBC's PE Ratio without NRI is ranked lower than
80% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.76 vs. ISBC: 21.60 )
Ranked among companies with meaningful PE Ratio without NRI only.
ISBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 17.46  Med: 23.49 Max: 141.86
Current: 21.6
17.46
141.86
Price-to-Owner-Earnings 14.10
ISBC's Price-to-Owner-Earnings is ranked lower than
51% of the 813 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.15 vs. ISBC: 14.10 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ISBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.66  Med: 22.24 Max: 355.29
Current: 14.1
11.66
355.29
PB Ratio 1.20
ISBC's PB Ratio is ranked higher than
51% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. ISBC: 1.20 )
Ranked among companies with meaningful PB Ratio only.
ISBC' s PB Ratio Range Over the Past 10 Years
Min: 0.99  Med: 1.49 Max: 2.83
Current: 1.2
0.99
2.83
PS Ratio 4.87
ISBC's PS Ratio is ranked lower than
77% of the 1373 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. ISBC: 4.87 )
Ranked among companies with meaningful PS Ratio only.
ISBC' s PS Ratio Range Over the Past 10 Years
Min: 3.84  Med: 5.71 Max: 17.33
Current: 4.87
3.84
17.33
Price-to-Free-Cash-Flow 12.23
ISBC's Price-to-Free-Cash-Flow is ranked lower than
53% of the 754 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.61 vs. ISBC: 12.23 )
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: 6.92  Med: 14.63 Max: 122
Current: 12.23
6.92
122
Price-to-Operating-Cash-Flow 11.58
ISBC's Price-to-Operating-Cash-Flow is ranked lower than
56% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.07 vs. ISBC: 11.58 )
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: 6.61  Med: 13.44 Max: 98.39
Current: 11.58
6.61
98.39
EV-to-Revenue 4.66
ISBC's EV-to-Revenue is ranked lower than
54% of the 1151 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.50 vs. ISBC: 4.66 )
Ranked among companies with meaningful EV-to-Revenue only.
ISBC' s EV-to-Revenue Range Over the Past 10 Years
Min: 3.6  Med: 6.45 Max: 29.9
Current: 4.66
3.6
29.9
Shiller PE Ratio 32.03
ISBC's Shiller PE Ratio is ranked lower than
82% of the 573 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.24 vs. ISBC: 32.03 )
Ranked among companies with meaningful Shiller PE Ratio only.
ISBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 28.66  Med: 51.68 Max: 69.81
Current: 32.03
28.66
69.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.07
ISBC's Dividend Yield % is ranked higher than
53% of the 2530 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. ISBC: 3.07 )
Ranked among companies with meaningful Dividend Yield % only.
ISBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.28  Med: 1.59 Max: 3.31
Current: 3.07
0.28
3.31
Dividend Payout Ratio 0.63
ISBC's Dividend Payout Ratio is ranked lower than
84% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. ISBC: 0.63 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ISBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.34 Max: 0.77
Current: 0.63
0.06
0.77
3-Year Dividend Growth Rate 40.50
ISBC's 3-Year Dividend Growth Rate is ranked higher than
92% of the 790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. ISBC: 40.50 )
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: 40.5
0
115.4
Forward Dividend Yield % 3.62
ISBC's Forward Dividend Yield % is ranked lower than
51% of the 2459 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. ISBC: 3.62 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 41.89
ISBC's 5-Year Yield-on-Cost % is ranked higher than
99% of the 2507 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.30 vs. ISBC: 41.89 )
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: 3.75  Med: 21.28 Max: 44.3
Current: 41.89
3.75
44.3
3-Year Average Share Buyback Ratio 5.10
ISBC's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 975 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.40 vs. ISBC: 5.10 )
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: -8.2  Med: 0 Max: 5.1
Current: 5.1
-8.2
5.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.22
ISBC's Price-to-Tangible-Book is ranked higher than
53% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. ISBC: 1.22 )
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: 1.67 Max: 3
Current: 1.22
1.05
3
Price-to-Intrinsic-Value-Projected-FCF 0.62
ISBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
65% of the 867 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. ISBC: 0.62 )
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: 0.59  Med: 0.77 Max: 1.42
Current: 0.62
0.59
1.42
Price-to-Median-PS-Value 0.85
ISBC's Price-to-Median-PS-Value is ranked higher than
79% of the 1305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. ISBC: 0.85 )
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: 0.69  Med: 1.03 Max: 3.25
Current: 0.85
0.69
3.25
Price-to-Graham-Number 1.08
ISBC's Price-to-Graham-Number is ranked lower than
59% of the 1212 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. ISBC: 1.08 )
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: 1.37 Max: 5.42
Current: 1.08
0.99
5.42

More Statistics

Revenue (TTM) (Mil) $724.50
EPS (TTM) $ 0.57
Beta0.74
Volatility12.20%
52-Week Range $10.27 - 14.69
Shares Outstanding (Mil)291.56

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 718 687
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 0.78 0.75 0.81
EPS without NRI ($) 0.78 0.75 0.81
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.39 0.42 0.36

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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