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INVESTORS BANCORP INC (ISBC) Stock Fundamental Analysis

USA - 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

We assign a fundamental rating of 2 out of 10 to ISBC. ISBC was compared to 390 industry peers in the Banks industry. ISBC has a bad profitability rating. Also its financial health evaluation is rather negative. ISBC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

ISBC had positive earnings in the past year.
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

Compared to 1 year ago, ISBC has about the same amount of shares outstanding.
The debt/assets ratio for ISBC is higher compared to a year ago.
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.
Looking at the last year, ISBC shows a small growth in Revenue. The Revenue has grown by 2.36% in the last 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 Q2Q%42.86%
Revenue 1Y (TTM)2.36%
Revenue growth 3Y6.58%
Revenue growth 5Y4.28%
Sales Q2Q%-7.76%

3.2 Future

Based on estimates for the next years, ISBC will show a small growth in Earnings Per Share. The EPS will grow by 4.70% on average per year.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

A Price/Earnings ratio of 10.43 indicates a reasonable valuation of ISBC.
ISBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
The Price/Forward Earnings ratio is 10.24, which indicates a very decent valuation of ISBC.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.55, ISBC is valued rather cheaply.
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 5 10 15 20 25

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

With a Yearly Dividend Yield of 4.45%, ISBC is a good candidate for dividend investing.
Compared to an average S&P500 Dividend Yield of 2.37, ISBC pays a better dividend.
Industry RankSector 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 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

44.23% of the earnings are spent on dividend by ISBC. 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%.