Market Price

10.84 

-0.34 -3.0%

as of Aug 23 '19

52 Week Range:

9.94 13.04


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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 include savings, checking, and money market accounts, as well as certificates of deposit accounts. The company's loan portfolio comprises multi-family, commercial real estate, commercial and industrial, and construction loans; one-to four-family residential mortgage loans secured by one-to four-family residential real estate; and consumer and other loans primarily consisting of home equity loans, home equity lines of credit, and cash surrender value lending on life insurance contracts. As of December 31, 2018, it operated through a network of 151 branches in New Jersey and New York. Investors Bancorp, Inc. was founded in 1926 and is headquartered in Short Hills, New Jersey.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jun '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 2.91
3.13
3.36
3.74
3.19
9.91
10.04
10.07
10.31
10.60
growth rate 7.6% 7.4% 11.3% -14.7% 210.7% 1.3% 0.3% 2.4% 2.8%
Earnings BIT 36.88
98.62
125.17
144.85
175.79
266.16
346.10
370.35
368.95
growth rate 167.4% 26.9% 15.7% 21.4% 51.4% 30.0% 7.0% -0.4%
Avg.PE 33.56
23.26
18.45
21.65
25.32
29.89
21.60
23.09
33.35
17.89
growth rate -30.7% -20.7% 17.3% 17.0% 18.1% -27.7% 6.9% 44.4% -46.4%
ROA -0.89
0.40
0.69
0.78
0.76
0.79
0.77
0.92
0.87
0.52
0.79
growth rate 100.0% 72.5% 13.0% -2.6% 4.0% -2.5% 19.5% -5.4% -40.2% 51.9%
ROE -7.88
4.10
7.08
8.44
8.73
9.33
5.36
5.27
5.97
4.06
6.61
growth rate 100.0% 72.7% 19.2% 3.4% 6.9% -42.6% -1.7% 13.3% -32.0% 62.8%
ROIC 3.03
5.95
5.71
4.70
4.29
3.76
growth rate 40.1% -4.0% -17.7% -8.7% -12.4%
Leverage 9.93
10.65
11.06
11.93
11.71
5.25
6.31
7.42
8.04
8.73
growth rate 3.6% 3.9% 7.9% -1.8% -55.2% 20.2% 17.6% 8.4% 8.6%
Balance Sheet Jun '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 40.06
45.14
47.45
55.27
58.56
65.97
72.86
growth rate 12.7% 5.1% 16.5% 6.0% 12.7% 10.4%
Acct.Payable 12,172.33
14,063.66
15,280.83
17,357.70
17,580.27
growth rate 15.5% 8.7% 13.6% 1.3%
Cur.Assets 300.94
221.18
285.49
702.26
285.38
growth rate -26.5% 29.1% 146.0% -59.4%
Total Assets 8,357.80
9,602.10
10,701.59
12,722.57
15,623.07
18,773.64
20,888.68
23,174.68
25,129.24
26,229.01
growth rate 14.9% 11.5% 18.9% 22.8% 20.2% 11.3% 10.9% 8.4% 4.4%
Cash 73.60
76.20
1,478.34
1,870.90
2,045.67
191.86
105.50
101.38
550.09
129.39
growth rate 3.5% 1,840.1% 26.6% 9.3% -90.6% -45.0% -3.9% 442.6% -76.5%
Inventory 7.84
6.28
4.49
5.83
6.91
growth rate -19.9% -28.5% 29.8% 18.5%
Cur.Liabilities 12,172.33
14,063.66
16,240.83
17,358.31
18,985.90
growth rate 15.5% 15.5% 6.9% 9.4%
Liabilities 7,507.60
8,700.90
9,734.15
11,655.76
14,288.74
15,195.78
17,577.04
20,051.43
22,003.79
23,223.68
growth rate 15.9% 11.9% 19.7% 22.6% 6.4% 15.7% 14.1% 9.7% 5.5%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
2,766.10
3,263.09
3,586.25
4,461.53
4,030.55
growth rate 0.1% 0.1% 0.1% 0.1% 37.4% 18.0% 9.9% 24.4% -9.7%
Equity 850.20
901.30
967.44
1,066.82
1,334.33
3,577.86
3,311.65
3,123.25
3,125.45
3,005.33
growth rate 6.0% 7.3% 10.3% 25.1% 168.1% -7.4% -5.7% 0.1% -3.8%
Common Shares 267.00
114.45
280.00
276.00
276.00
283.00
348.00
333.00
301.00
292.00
283.00
growth rate -57.1% 144.7% -1.4% 0.0% 2.5% 23.0% -4.3% -9.6% -3.0% -3.1%
Cash Flow Statement Jun '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 9.40
10.40
10.55
25.41
24.54
31.66
25.55
21.09
20.24
14.31
growth rate 10.6% 1.4% 140.8% -3.4% 29.0% -19.3% -17.5% -4.0% -29.3%
Cash Dividends 0.00
0.00
0.00
5.60
22.40
42.56
69.92
82.29
101.55
113.19
growth rate 300.4% 89.9% 64.3% 17.7% 23.4% 11.5%
Cash From OA 51.50
163.50
200.49
224.78
176.09
277.39
536.12
227.14
302.41
275.58
growth rate 217.5% 22.6% 12.1% -21.7% 57.5% 93.3% -57.6% 33.1% -8.9%
FCF per Share 0.55
0.59
0.72
0.70
0.65
1.40
0.66
0.93
1.01
growth rate 7.3% 22.0% -2.8% -7.1% 115.4% -52.9% 40.9% 8.6%
Sale Purchase of Stock -32.49
-0.86
9.11
2,163.70
10.12
34.32
9.14
growth rate 0.0% 100.0% 23,661.3% -99.5% 239.1% -73.4%
FCF 30.00
-61.30
153.00
190.00
199.00
152.00
246.00
508.00
206.00
282.00
261.00
growth rate -100.0% 100.0% 24.2% 4.7% -23.6% 61.8% 106.5% -59.5% 36.9% -7.5%
Income Statement Jun '09 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 207.10
295.90
502.74
540.30
581.64
544.85
609.21
657.64
699.16
678.10
growth rate 42.9% 69.9% 7.5% 7.7% -6.3% 11.8% 8.0% 6.3% -3.0%
Op.Income 58.60
98.60
78.89
88.77
112.03
239.38
289.93
311.26
300.60
288.18
growth rate 68.3% -20.0% 12.5% 26.2% 113.7% 21.1% 7.4% -3.4% -4.1%
IBT 36.88
98.62
125.17
144.85
175.79
206.47
280.88
299.07
280.59
270.42
growth rate 167.4% 26.9% 15.7% 21.4% 17.5% 36.0% 6.5% -6.2% -3.6%
Net Income 35.10
62.00
78.89
88.77
112.03
131.72
181.51
192.13
126.74
202.58
growth rate 76.6% 27.2% 12.5% 26.2% 17.6% 37.8% 5.9% -34.0% 59.8%
EPS -0.24
0.33
0.22
0.29
0.32
0.40
0.38
0.55
0.64
0.43
0.72
growth rate 100.0% -33.3% 31.8% 10.3% 25.0% -5.0% 44.7% 16.4% -32.8% 67.4%
Gross Profit 544.85
609.21
657.64
699.16
678.10
growth rate 11.8% 8.0% 6.3% -3.0%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 16,917.41
17,397.81
17,580.27
17,630.00
17,644.47
growth rate 2.8% 1.1% 0.3% 0.1%
Cur.Assets 281.35
300.90
285.38
283.85
365.19
growth rate 7.0% -5.2% -0.5% 28.7%
Total Assets 25,364.89
25,518.50
26,229.01
26,545.64
27,064.12
growth rate 0.6% 2.8% 1.2% 2.0%
Cash 196.00
210.60
129.39
186.08
254.38
growth rate 7.5% -38.6% 43.8% 36.7%
Inventory 5.19
7.76
6.91
6.99
7.10
growth rate 49.4% -10.9% 1.1% 1.6%
Cur.Liabilities 18,181.76
18,296.40
18,985.90
19,349.71
19,779.60
growth rate 0.6% 3.8% 1.9% 2.2%
Liabilities 22,273.91
22,483.27
23,223.68
23,589.81
24,137.24
growth rate 0.9% 3.3% 1.6% 2.3%
LT Debt 3,880.63
3,955.59
4,030.55
3,830.51
3,948.74
growth rate 1.9% 1.9% -5.0% 3.1%
Equity 3,090.98
3,035.22
3,005.33
2,955.83
2,926.88
growth rate -1.8% -1.0% -1.7% -1.0%
Common Shares 3.59
3.59
3.59
3.59
3.59
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 3.66
3.40
5.54
4.70
1.89
growth rate -7.2% 62.9% -15.1% -59.9%
Cash Dividends 27.10
26.70
32.02
30.99
30.65
growth rate -1.5% 19.9% -3.2% -1.1%
Cash From OA 69.45
79.96
42.62
16.55
30.30
growth rate 15.1% -46.7% -61.2% 83.1%
Sale Purchase of Stock
growth rate
FCF 65.78
76.56
37.08
11.85
28.41
growth rate 16.4% -51.6% -68.0% 139.7%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 178.78
175.21
145.01
170.81
169.08
growth rate -2.0% -17.2% 17.8% -1.0%
Op.Income 80.72
78.36
46.59
70.76
68.65
growth rate -2.9% -40.5% 51.9% -3.0%
IBT 76.20
73.43
42.79
67.46
65.35
growth rate -3.6% -41.7% 57.7% -3.1%
Net Income 57.10
54.22
33.33
48.16
46.62
growth rate -5.0% -38.5% 44.5% -3.2%
EPS
growth rate
Gross Profit 178.78
175.21
145.01
170.81
169.08
growth rate -2.0% -17.2% 17.8% -1.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (42.46)

YOY Growth Grade:

D (34.45)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.98 15.57 14.41
EPS / Growth 14.7% 0.70 12.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.6% 11.8% 11.8%
Future PE 14.41 18.30 18.30
Future EPS 1.59 2.12 2.12
Value Price
MOS %
5.65
-47.8%
9.57
-11.7%
9.57
-11.7%
MOS Price 2.83 4.79 4.79
IRT 9.74 8.72 8.72

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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