INVESTORS BANCORP INC (ISBC)
Common Stock
Overall ISBC gets a fundamental rating of 2 out of 10. We evaluated ISBC against 412 industry peers in the Banks industry. Both the profitability and financial health of ISBC have multiple concerns. While showing a medium growth rate, ISBC is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year ISBC was profitable.
Each year in the past 5 years ISBC has been profitable.
In the past 5 years ISBC always reported a positive cash flow from operatings.
1.2 Ratios
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 10.66% | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ISBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 37.51% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for ISBC remains at a similar level compared to 1 year ago.
The debt/assets ratio for ISBC is higher compared to a year ago.
2.2 Solvency
ISBC has a Debt/Equity ratio of 1.20. This is a high value indicating a heavy dependency on external financing.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.2 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 47.78% over the past year.
The Earnings Per Share has been growing by 16.49% on average over the past years. This is quite good.
The Revenue has been growing slightly by 2.36% in the past year.
ISBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.28% yearly.
EPS 1Y (TTM)47.78%
EPS 3Y17.97%
EPS 5Y16.49%
EPS growth Q2Q42.86%
Revenue 1Y (TTM)2.36%
Revenue growth 3Y6.58%
Revenue growth 5Y4.28%
Revenue growth Q2Q-7.76%
3.2 Future
ISBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.70% yearly.
Based on estimates for the next years, ISBC will show a small growth in Revenue. The Revenue will grow by 5.70% on average per year.
EPS Next Y1.82%
EPS Next 2Y4.12%
EPS Next 3Y4.16%
EPS Next 5Y4.7%
Revenue Next Year7.31%
Revenue Next 2Y6.22%
Revenue Next 3Y5.52%
Revenue Next 5Y5.7%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.43 indicates a reasonable valuation of ISBC.
When comparing the Price/Earnings ratio of ISBC to the average of the S&P500 Index (28.28), we can say ISBC is valued rather cheaply.
ISBC is valuated reasonably with a Price/Forward Earnings ratio of 10.24.
ISBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.43 | ||
| Fwd PE | 10.24 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)5.73
PEG (5Y)0.63
EPS Next 2Y4.12%
EPS Next 3Y4.16%
5. Dividend
5.1 Amount
ISBC has a Yearly Dividend Yield of 4.45%, which is a nice return.
Compared to an average S&P500 Dividend Yield of 2.41, ISBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
5.2 History
On average, the dividend of ISBC grows each year by 13.80%, which is quite nice.
ISBC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.8%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
ISBC pays out 44.23% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ISBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP44.23%
EPS Next 2Y4.12%
EPS Next 3Y4.16%
INVESTORS BANCORP INC
NASDAQ:ISBC (4/6/2022, 7:00:03 PM)
After market: 14.04 +0.17 (+1.23%)13.87
-0.35 (-2.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.45B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.43 | ||
| Fwd PE | 10.24 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)5.73
PEG (5Y)0.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 10.66% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 37.51% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.2 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)47.78%
EPS 3Y17.97%
EPS 5Y
EPS growth Q2Q
EPS Next Y1.82%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.36%
Revenue growth 3Y6.58%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y