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INVESTORS BANCORP INC (ISBC) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:ISBC - Common Stock

13.87
-0.35 (-2.46%)
Last: 4/6/2022, 8:00:03 PM
14.04
+0.17 (+1.23%)
After Hours: 4/6/2022, 8:00:03 PM
Fundamental Rating

2

ISBC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 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.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year ISBC was profitable.
ISBC Yearly Net Income VS EBIT VS OCF VS FCFISBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M 500M

1.2 Ratios

Industry RankSector 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
ISBC Yearly ROA, ROE, ROICISBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

The Operating Margin and Gross Margin are not available for ISBC so they could not be analyzed.
Industry RankSector 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
ISBC Yearly Profit, Operating, Gross MarginsISBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30

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0

2. Health

2.1 Basic Checks

ISBC has about the same amout of shares outstanding than it did 1 year ago.
ISBC has a worse debt/assets ratio than last year.
ISBC Yearly Shares OutstandingISBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M
ISBC Yearly Total Debt VS Total AssetsISBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 5B 10B 15B 20B 25B

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 RankSector Rank
Debt/Equity 1.2
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ISBC Yearly LT Debt VS Equity VS FCFISBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 47.78% over the past year.
Measured over the past years, ISBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.49% on average per year.
ISBC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.36%.
The Revenue has been growing slightly by 4.28% on average over the past years.
EPS 1Y (TTM)47.78%
EPS 3Y17.97%
EPS 5Y16.49%
EPS Q2Q%42.86%
Revenue 1Y (TTM)2.36%
Revenue growth 3Y6.58%
Revenue growth 5Y4.28%
Sales Q2Q%-7.76%

3.2 Future

The Earnings Per Share is expected to grow by 4.70% on average over the next years.
ISBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.70% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ISBC Yearly Revenue VS EstimatesISBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
ISBC Yearly EPS VS EstimatesISBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.43, the valuation of ISBC can be described as reasonable.
ISBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.
Based on the Price/Forward Earnings ratio of 10.24, the valuation of ISBC can be described as reasonable.
The average S&P500 Price/Forward Earnings ratio is at 36.59. ISBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.43
Fwd PE 10.24
ISBC Price Earnings VS Forward Price EarningsISBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ISBC Per share dataISBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ISBC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)5.73
PEG (5Y)0.63
EPS Next 2Y4.12%
EPS Next 3Y4.16%

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5

5. Dividend

5.1 Amount

ISBC has a Yearly Dividend Yield of 4.45%, which is a nice return.
ISBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 4.45%

5.2 History

The dividend of ISBC is nicely growing with an annual growth rate of 13.80%!
ISBC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)13.8%
Div Incr YearsN/A
Div Non Decr YearsN/A
ISBC Yearly Dividends per shareISBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.1 0.2 0.3 0.4 0.5

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%
ISBC Yearly Income VS Free CF VS DividendISBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M 500M
ISBC Dividend Payout.ISBC Dividend Payout, showing the Payout Ratio.ISBC Dividend Payout.PayoutRetained Earnings

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INVESTORS BANCORP INC

NASDAQ:ISBC (4/6/2022, 8:00:03 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)01-26 2022-01-26/amc
Earnings (Next)04-27 2022-04-27/amc
Inst Owners0%
Inst Owner Change0%
Ins Owners35.06%
Ins Owner Change0%
Market Cap3.45B
Revenue(TTM)835.44M
Net Income(TTM)313.36M
Analysts80
Price Target17.95 (29.42%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.45%
Yearly Dividend0.56
Dividend Growth(5Y)13.8%
DP44.23%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.43
Fwd PE 10.24
P/S 4.13
P/FCF N/A
P/OCF N/A
P/B 1.18
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.33
EY9.59%
EPS(NY)1.35
Fwd EY9.76%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.35
BVpS11.8
TBVpSN/A
PEG (NY)5.73
PEG (5Y)0.63
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 10.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.51%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.78%
EPS 3Y17.97%
EPS 5Y16.49%
EPS Q2Q%42.86%
EPS Next Y1.82%
EPS Next 2Y4.12%
EPS Next 3Y4.16%
EPS Next 5Y4.7%
Revenue 1Y (TTM)2.36%
Revenue growth 3Y6.58%
Revenue growth 5Y4.28%
Sales Q2Q%-7.76%
Revenue Next Year7.31%
Revenue Next 2Y6.22%
Revenue Next 3Y5.52%
Revenue Next 5Y5.7%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

INVESTORS BANCORP INC / ISBC FAQ

What is the ChartMill fundamental rating of INVESTORS BANCORP INC (ISBC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ISBC.


What is the valuation status of INVESTORS BANCORP INC (ISBC) stock?

ChartMill assigns a valuation rating of 3 / 10 to INVESTORS BANCORP INC (ISBC). This can be considered as Overvalued.


What is the profitability of ISBC stock?

INVESTORS BANCORP INC (ISBC) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for ISBC stock?

The Earnings per Share (EPS) of INVESTORS BANCORP INC (ISBC) is expected to grow by 1.82% in the next year.


How sustainable is the dividend of INVESTORS BANCORP INC (ISBC) stock?

The dividend rating of INVESTORS BANCORP INC (ISBC) is 8 / 10 and the dividend payout ratio is 44.23%.