Investors BancorpNasdaqGS:ISBC Stock Report

Market Cap







18 Sep, 2021


Company Financials +
ISBC fundamental analysis
Snowflake Score
Future Growth1/6
Past Performance5/6
Financial Health6/6

ISBC Overview

Investors Bancorp, Inc. operates as the bank holding company for Investors Bank that provides various banking products and services to individuals and businesses in the United States.

Share Price & News

How has Investors Bancorp's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: ISBC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: ISBC's weekly volatility (5%) has been stable over the past year.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: ISBC exceeded the US Banks industry which returned 62.5% over the past year.

Return vs Market: ISBC exceeded the US Market which returned 33.6% over the past year.

Shareholder returns

7 Day0.9%0.9%-0.6%
30 Day4.7%0.07%1.6%
90 Day1.8%4.6%4.6%
1 Year89.2%80.8%67.7%63.3%35.8%33.8%
3 Year27.0%11.4%21.9%11.4%60.0%50.1%
5 Year40.1%16.8%94.7%70.1%123.0%98.7%

Long-Term Price Volatility Vs. Market

How volatile is Investors Bancorp's share price compared to the market and industry in the last 5 years?

Simply Wall St News

Investors Bancorp Fundamentals Summary

How do Investors Bancorp's earnings and revenue compare to its market cap?
ISBC fundamental statistics
Market CapUS$3.33b
Earnings (TTM)US$291.54m
Revenue (TTM)US$851.66m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ISBC income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$851.66m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date


Earnings per share (EPS)1.24
Gross Margin100.00%
Net Profit Margin34.23%
Debt/Equity Ratio143.3%

How did ISBC perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio


Is Investors Bancorp undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: ISBC ($14.07) is trading below our estimate of fair value ($18.71)

Significantly Below Fair Value: ISBC is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: ISBC is poor value based on its PE Ratio (11.4x) compared to the US Banks industry average (10.7x).

PE vs Market: ISBC is good value based on its PE Ratio (11.4x) compared to the US market (17.8x).

Price to Earnings Growth Ratio

PEG Ratio: ISBC is poor value based on its PEG Ratio (2.2x)

Price to Book Ratio

PB vs Industry: ISBC's PB Ratio (1.2x) is in line with the US Banks industry average.

Future Growth

How is Investors Bancorp forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: ISBC's forecast earnings growth (5.3% per year) is above the savings rate (2%).

Earnings vs Market: ISBC's earnings (5.3% per year) are forecast to grow slower than the US market (14.8% per year).

High Growth Earnings: ISBC's earnings are forecast to grow, but not significantly.

Revenue vs Market: ISBC's revenue (4.3% per year) is forecast to grow slower than the US market (9.7% per year).

High Growth Revenue: ISBC's revenue (4.3% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: ISBC's Return on Equity is forecast to be low in 3 years time (11%).

Past Performance

How has Investors Bancorp performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: ISBC has high quality earnings.

Growing Profit Margin: ISBC's current net profit margins (34.2%) are higher than last year (26.7%).

Past Earnings Growth Analysis

Earnings Trend: ISBC's earnings have grown by 6.6% per year over the past 5 years.

Accelerating Growth: ISBC's earnings growth over the past year (59.5%) exceeds its 5-year average (6.6% per year).

Earnings vs Industry: ISBC earnings growth over the past year (59.5%) exceeded the Banks industry 36%.

Return on Equity

High ROE: ISBC's Return on Equity (10.4%) is considered low.

Financial Health

How is Investors Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: ISBC's Assets to Equity ratio (9.5x) is low.

Allowance for Bad Loans: ISBC has a sufficient allowance for bad loans (311%).

Low Risk Liabilities: 81% of ISBC's liabilities are made up of primarily low risk sources of funding.

Loan Level: ISBC has an appropriate level of Loans to Assets ratio (79%).

Low Risk Deposits: ISBC's Loans to Deposits ratio (108%) is appropriate.

Level of Bad Loans: ISBC has an appropriate level of bad loans (0.4%).


What is Investors Bancorp current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: ISBC's dividend (3.98%) is higher than the bottom 25% of dividend payers in the US market (1.34%).

High Dividend: ISBC's dividend (3.98%) is in the top 25% of dividend payers in the US market (3.6%)

Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, ISBC has been paying a dividend for less than 10 years.

Growing Dividend: ISBC's dividend payments have increased, but the company has only paid a dividend for 9 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (43.7%), ISBC's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: ISBC's dividends in 3 years are forecast to be well covered by earnings (44.9% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Kevin Cummings (66 yo)





Mr. Kevin Cummings is appointed Chairman of the Board of Directors and Chief Executive Officer of Investors Bancorp and Investors Bank effective May 22, 2018. He previously served as President and Chief Ex...

CEO Compensation Analysis

Compensation vs Market: Kevin's total compensation ($USD6.08M) is about average for companies of similar size in the US market ($USD5.28M).

Compensation vs Earnings: Kevin's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: ISBC's management team is seasoned and experienced (5.9 years average tenure).

Board Members

Experienced Board: ISBC's board of directors are considered experienced (7.8 years average tenure).


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.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Investors Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources

Key Information

  • Name: Investors Bancorp, Inc.
  • Ticker: ISBC
  • Exchange: NasdaqGS
  • Founded: 1926
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$3.334b
  • Shares outstanding: 236.96m
  • Website:

Number of Employees


  • Investors Bancorp, Inc.
  • 101 JFK Parkway
  • Short Hills
  • New Jersey
  • 7078
  • United States



Investors Bancorp, Inc. operates as the bank holding company for Investors Bank that provides various banking products and services to individuals and businesses in the United States. Its deposit products...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/18 22:06
End of Day Share Price2021/09/17 00:00
Annual Earnings2020/12/31

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.