Türkiye Is Bankasi A.S. provides various banking products and services.
Adequate balance sheet and fair value.
Share Price & News
How has Türkiye Is Bankasi's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ISCTR has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ISCTR underperformed the TR Banks industry which returned 58.8% over the past year.
Return vs Market: ISCTR underperformed the TR Market which returned 52.7% over the past year.
Price Volatility Vs. Market
How volatile is Türkiye Is Bankasi's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Türkiye Is Bankasi undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ISCTR (TRY5.39) is trading above our estimate of fair value (TRY1.13)
Significantly Below Fair Value: ISCTR is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ISCTR is good value based on its PE Ratio (3.9x) compared to the Banks industry average (5.8x).
PE vs Market: ISCTR is good value based on its PE Ratio (3.9x) compared to the TR market (17.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ISCTR's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ISCTR is good value based on its PB Ratio (0.4x) compared to the TR Banks industry average (0.5x).
How is Türkiye Is Bankasi forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Türkiye Is Bankasi has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Türkiye Is Bankasi performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ISCTR has a high level of non-cash earnings.
Growing Profit Margin: ISCTR's current net profit margins (23.5%) are lower than last year (27.6%).
Past Earnings Growth Analysis
Earnings Trend: ISCTR's earnings have grown by 12.3% per year over the past 5 years.
Accelerating Growth: ISCTR's earnings growth over the past year (1.1%) is below its 5-year average (12.3% per year).
Earnings vs Industry: ISCTR earnings growth over the past year (1.1%) underperformed the Banks industry 1.1%.
Return on Equity
High ROE: ISCTR's Return on Equity (11.1%) is considered low.
How is Türkiye Is Bankasi's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ISCTR's Assets to Equity ratio (9.5x) is low.
Allowance for Bad Loans: ISCTR has a low allowance for bad loans (90%).
Low Risk Liabilities: 58% of ISCTR's liabilities are made up of primarily low risk sources of funding.
Loan Level: ISCTR has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: ISCTR's Loans to Deposits ratio (110%) is appropriate.
Level of Bad Loans: ISCTR has a high level of bad loans (5.8%).
What is Türkiye Is Bankasi current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ISCTR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ISCTR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ISCTR's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ISCTR's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: ISCTR is not paying a notable dividend for the TR market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ISCTR's dividend in 3 years as they are not forecast to pay a notable one for the TR market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Adnan Bali (58yo)
Mr. Adnan Bali has been the Chief Executive Officer of Türkiye Is Bankasi Anonim Sirketi since April 1, 2011 and serves as its Member of the Executive Board and Director. Mr. Bali serves as Manager of Isba ...
|CEO, Member of Executive Board & Director||9.25yrs||no data||no data|
|Vice Chairperson||0.25yr||no data||no data|
|Independent Chairman of the Board||1.25yrs||no data||no data|
|Director||4.33yrs||no data||no data|
|Director||3.33yrs||no data||no data|
|Director||1.33yrs||no data||no data|
|Director||0.33yr||no data||no data|
|Director||0.33yr||no data||no data|
|Director||0.33yr||no data||no data|
|Independent Director||0.33yr||no data||no data|
Experienced Board: ISCTR's board of directors are not considered experienced ( 0.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Türkiye Is Bankasi A.S.'s company bio, employee growth, exchange listings and data sources
- Name: Türkiye Is Bankasi A.S.
- Ticker: ISCTR
- Exchange: IBSE
- Founded: 1924
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ₺26.324b
- Shares outstanding: 4.50b
- Website: https://www.isbank.com.tr
Number of Employees
- Türkiye Is Bankasi A.S.
- Is Kuleleri
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|TYIB.F||OTCPK (Pink Sheets LLC)||Yes||Group C Registered Shares||US||USD||Jul 1990|
|ISCTR||IBSE (Borsa Istanbul (BIST))||Yes||Group C Registered Shares||TR||TRY||Jul 1990|
|ISBTR||IBSE (Borsa Istanbul (BIST))||Group B Registered Shares||TR||TRY||Aug 1991|
|ISATR||IBSE (Borsa Istanbul (BIST))||Group A Registered Shares||TR||TRY||Aug 1991|
|TIBD||LSE (London Stock Exchange)||GDR C RG S NEW||GB||USD||May 1998|
|ISKUR||IBSE (Borsa Istanbul (BIST))||FOUNDER SHARES NPV||TR||TRY||Sep 2004|
Türkiye Is Bankasi A.S. provides various banking products and services. The company offers corporate and commercial banking services, including project financing, operating and investment loans, deposit and cash management, credit cards, cheques and bills, foreign trade transactions and financing, letter of guarantees and credits, forfeiting, foreign currency trading, bill collections, payrolls, investment accounts, tax collections, and other banking services to large corporations, SMEs, and other trading companies. It also provides retail banking services, such as deposits, consumer loans, overdraft accounts, credit cards, bill collections, remittances, foreign currency trading, safe-deposit boxes, insurance, tax collections, investment accounts, and other banking services; private banking services comprising various financial and cash management related services; and Internet and mobile banking services. In addition, the company engages in securities trading, money market transactions, spot and installment based TL, and foreign currency trading; derivative transactions, such as forwards, swaps, futures, and options; and syndications and securitizations, as well as investment banking activities. Further, it is involved in insurance and reinsurance, private pensions, finance leasing, factoring, real estate investment, venture capital investment, brokerage, investment advisory, and portfolio and asset management businesses. As of December 31, 2019, the company operated through a network of 1,249 branches in Turkey; 15 branches in Turkish Republic of Northern Cyprus; 2 branches in the United Kingdom; 2 branches in Kosovo; 2 branches in Iraq; and 1 branch in Bahrain, as well as 6,506 ATMs. Türkiye Is Bankasi A.S. was founded in 1924 and is headquartered in Istanbul, Turkey.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/07 16:33|
|End of Day Share Price||2020/07/07 00:00|
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.