Íslandsbanki hf.

ICSE:ISB Stock Report

Market Cap: ISK 232.9b

Íslandsbanki hf Past Earnings Performance

Past criteria checks 2/6

Íslandsbanki hf has been growing earnings at an average annual rate of 24.7%, while the Banks industry saw earnings growing at 18.5% annually. Revenues have been growing at an average rate of 13% per year. Íslandsbanki hf's return on equity is 10.8%, and it has net margins of 38.3%.

Key information

24.7%

Earnings growth rate

24.9%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate13.0%
Return on equity10.8%
Net Margin38.3%
Next Earnings Update13 Feb 2025

Recent past performance updates

Recent updates

Analysts Are Upgrading Íslandsbanki hf. (ICE:ISB) After Its Latest Results

Feb 12
Analysts Are Upgrading Íslandsbanki hf. (ICE:ISB) After Its Latest Results

Here's Why We Think Íslandsbanki hf (ICE:ISB) Is Well Worth Watching

Sep 13
Here's Why We Think Íslandsbanki hf (ICE:ISB) Is Well Worth Watching

Revenue & Expenses Breakdown

How Íslandsbanki hf makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

ICSE:ISB Revenue, expenses and earnings (ISK Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2462,95724,09116,4160
30 Jun 2460,90622,81015,9820
31 Mar 2462,04623,76216,0710
31 Dec 2363,22224,55015,8630
30 Sep 2363,30924,28116,0200
30 Jun 2364,11625,65115,5830
31 Mar 2361,76225,38914,2900
31 Dec 2258,81224,38613,7520
30 Sep 2257,15524,45213,0100
30 Jun 2256,54824,58713,0470
31 Mar 2255,20224,11013,2450
31 Dec 2153,19022,51113,3970
30 Sep 2149,66019,85113,5020
30 Jun 2144,56515,42213,3910
31 Mar 2139,50011,76513,2440
31 Dec 2034,3377,15812,9170
30 Sep 2034,0735,71413,1600
30 Jun 2034,1994,78613,5600
31 Mar 2036,4575,57313,8020
31 Dec 1940,5829,17914,0190
30 Sep 1941,6478,79214,4420
30 Jun 1942,3458,71914,7010
31 Mar 1945,27011,25115,0380
31 Dec 1845,55410,12415,5000
30 Sep 1846,92811,69315,7500
30 Jun 1846,63111,54415,4170
31 Mar 1845,3109,80515,5000
31 Dec 1746,48211,00215,2330
30 Sep 1746,94410,38514,9970
30 Jun 1746,77910,73914,9210
31 Mar 1753,81914,01714,5090
31 Dec 1653,45114,00814,7890
30 Sep 1652,95515,09614,3980
30 Jun 1656,45418,28814,6460
31 Mar 1650,59816,18014,5240
31 Dec 1552,80818,67413,8910
30 Sep 1543,46619,45413,5560
30 Jun 1540,25617,03912,9900
31 Mar 1542,28718,28412,6880
31 Dec 1440,58817,60412,6700
30 Sep 1456,58519,52417,2630
30 Jun 1457,35520,70719,6970
31 Mar 1460,62121,94822,7950

Quality Earnings: ISB has high quality earnings.

Growing Profit Margin: ISB's current net profit margins (38.3%) are lower than last year (38.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ISB's earnings have grown significantly by 24.7% per year over the past 5 years.

Accelerating Growth: ISB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: ISB had negative earnings growth (-0.8%) over the past year, making it difficult to compare to the Banks industry average (12.3%).

Return on Equity

High ROE: ISB's Return on Equity (10.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/31 17:25
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Íslandsbanki hf. is covered by 7 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Namita SamtaniBarclays
Namita SamtaniBarclays
Andrew CoombsCitigroup Inc