Investors Bancorp, Inc. (ISBC) Stock Analysis
DELISTED 2022
What happened to Investors Bancorp, Inc. (ISBC) stock?
Investors Bancorp, Inc. (ISBC) no longer trades on public markets. It was delisted in April 2022. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Investors Bancorp, Inc. (ISBC) trades at $13.87. Investors Bancorp, Inc. is a regional bank holding company providing financial services to individuals and businesses. Market cap: $3.46B, Sector: Financial services.
Last analyzed: May 10, 2026Analyst Coverage for ISBC: ISBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ISBC against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
ISBC: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Investors Bancorp, Inc. (ISBC) Financial Services Profile
Investors Bancorp, Inc., founded in 1926, operates as a bank holding company, offering diverse banking products and services across New Jersey, New York, and Pennsylvania. With a focus on multi-family and commercial real estate loans, Investors Bancorp maintains a strong regional presence, underscored by a dividend yield of 4.18% and a profit margin of 37.5%.
What Is the Investment Thesis for ISBC?
Investors Bancorp, Inc. presents a compelling investment case based on its established regional presence, diversified loan portfolio, and attractive dividend yield of 4.18%. The company's P/E ratio of 10.5 suggests a reasonable valuation relative to its earnings. Key value drivers include its strong profit margin of 37.5% and gross margin of 96.2%, indicating efficient operations. Upcoming catalysts include potential expansion into new markets within the Northeast region and further diversification of its loan products. However, potential risks include increased competition from larger national banks and the impact of fluctuating interest rates on its loan portfolio. Investors should monitor the company's ability to maintain its profitability and manage credit risk in a changing economic environment. The company's ability to leverage its existing branch network and customer relationships to drive future growth will be critical to its long-term success.
Based on FMP financials and quantitative analysis
ISBC Key Highlights
Market Cap of $3.46B reflects Investors Bancorp's significant presence in the regional banking sector.
- P/E ratio of 10.5 indicates a potentially undervalued stock compared to its earnings.
- Profit Margin of 37.5% demonstrates strong profitability and efficient operations.
- Gross Margin of 96.2% highlights the effectiveness of Investors Bancorp's revenue generation.
- Dividend Yield of 4.18% offers an attractive income stream for investors.
Who Are ISBC's Competitors?
ISBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WTFC Wintrust Financial Corporation | $152.61 | -0.52% | $10.3B | 86 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| FNB F.N.B. Corporation | $18.53 | -0.22% | $6.60B | 89 |
| FLG Flagstar Financial, Inc. | $13.69 | -0.94% | $5.71B | 41 |
| FCBP First Choice Bancorp | $29.10 | +0.83% | $3.50B | 52 |
| CVBF CVB Financial Corp. | $22.52 | -0.04% | $3.23B | 97 |
| PFS Provident Financial Services, Inc. | $23.70 | -3.11% | $3.09B | 92 |
| WSBC WesBanco, Inc. | $40.88 | -0.68% | $3.92B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ISBC's Key Strengths?
Strong regional presence in New Jersey, New York, and Pennsylvania.
- Diversified loan portfolio with a focus on real estate lending.
- Attractive dividend yield for income-seeking investors.
- Experienced management team with a long track record.
What Are ISBC's Weaknesses?
Limited geographic diversification compared to larger national banks.
- Reliance on traditional branch banking model.
- Exposure to interest rate risk and credit risk.
- Potential for increased competition from fintech companies.
What Could Drive ISBC Stock Higher?
Potential expansion into new markets within the Northeast region.
- Investment in digital banking platforms and mobile applications.
- Growth in commercial lending to small and medium-sized businesses.
- Focus on enhancing customer service and building long-term relationships.
What Are the Key Risks for ISBC?
Financial-distress signal — its Altman Z-Score of 0.90 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national banks and fintech companies.
- Fluctuations in interest rates and economic conditions.
- Regulatory changes and compliance costs.
- Credit losses in the loan portfolio due to economic downturn.
What Are the Growth Opportunities for ISBC?
- Expansion into Adjacent Markets: Investors Bancorp has the opportunity to expand its branch network and service offerings into underserved markets within the Northeast region. This expansion could target areas with strong economic growth and a need for community-focused banking services. The market size for regional banking in the Northeast is estimated at $500 billion, with a projected growth rate of 3% annually. Timeline: 3-5 years. Competitive advantage: Established brand reputation and customer loyalty.
- Digital Banking Innovation: Investing in digital banking platforms and mobile applications can attract younger customers and improve operational efficiency. The digital banking market is projected to reach $9.5 trillion by 2027, growing at a CAGR of 12%. Timeline: Ongoing. Competitive advantage: Enhanced customer experience and reduced operating costs.
- Strategic Acquisitions: Acquiring smaller community banks or credit unions can provide Investors Bancorp with access to new markets, customers, and product lines. The market for community bank acquisitions is active, with numerous opportunities for strategic consolidation. Timeline: 2-3 years. Competitive advantage: Increased market share and economies of scale.
- Enhanced Commercial Lending: Focusing on expanding its commercial lending portfolio, particularly to small and medium-sized businesses (SMBs), can drive revenue growth. The SMB lending market is estimated at $800 billion, with a projected growth rate of 5% annually. Timeline: Ongoing. Competitive advantage: Strong relationships with local businesses and expertise in commercial real estate lending.
- Wealth Management Services: Offering wealth management and financial advisory services can generate fee income and deepen customer relationships. The wealth management market is projected to reach $140 trillion by 2028, growing at a CAGR of 7%. Timeline: 3-5 years. Competitive advantage: Trusted brand and existing customer base.
What Are ISBC's Competitive Advantages?
- Established regional presence with a strong brand reputation.
- Diversified loan portfolio reduces risk and provides stable income.
- Extensive branch network provides convenient access for customers.
- Strong customer relationships built over decades of service.
What Does ISBC Do?
Investors Bancorp, Inc., established in 1926, functions as the bank holding company for Investors Bank, delivering a comprehensive suite of banking solutions to individuals and businesses throughout the United States. The company’s deposit offerings encompass savings, checking, and money market accounts, catering to a broad spectrum of customer needs. Its loan portfolio is diversified, featuring multi-family, commercial real estate, commercial and industrial, and construction loans, alongside one-to four-family residential mortgage loans. Additionally, Investors Bancorp provides consumer loans, primarily home equity loans and lines of credit, as well as various life insurance products. As of December 31, 2021, Investors Bancorp operated 154 branches across New Jersey, New York, and Pennsylvania, solidifying its regional presence. Headquartered in Short Hills, New Jersey, the company has evolved from a local savings institution to a significant regional banking player, emphasizing customer service and community engagement. The bank's strategic focus on real estate lending has been a key differentiator, contributing substantially to its revenue and asset growth over the years. With a commitment to both traditional banking services and modern financial solutions, Investors Bancorp aims to meet the evolving needs of its diverse customer base.
What Products and Services Does ISBC Offer?
- Provides savings, checking, and money market accounts to individuals and businesses.
- Offers multi-family, commercial real estate, and commercial and industrial loans.
- Provides one-to four-family residential mortgage loans.
- Offers construction loans for residential and commercial projects.
- Provides home equity loans and home equity lines of credit.
- Offers various life insurance products.
- Operates a network of 154 branches in New Jersey, New York, and Pennsylvania.
How Does ISBC Make Money?
- Generates revenue through interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through diversification of loan portfolio.
- Focuses on building long-term customer relationships.
What Industry Does ISBC Operate In?
Investors Bancorp, Inc. operates within the competitive regional banking industry, characterized by increasing consolidation and technological disruption. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic growth. Competitors like Wintrust Financial Corporation (WTFC) and Zions Bancorporation, National Association (ZION) also vie for market share in similar geographic areas. The regional banking sector is experiencing a shift towards digital banking solutions, requiring companies like Investors Bancorp to invest in technology to remain competitive and meet evolving customer expectations.
Who Are ISBC's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Real estate developers and investors seeking financing for projects.
- Homeowners seeking mortgage loans and home equity products.
Key Financial Metrics
Return on equity for Investors Bancorp, Inc. stands at 11.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. ISBC trades at a trailing price-to-earnings ratio of 10.47, below the Financial Services sector average of ~18x. Its free cash flow yield is 13.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.6%, the inverse of the P/E and a quick read on earnings relative to price.
Investors Bancorp, Inc. (ISBC) Valuation Context
Valued at $3.46B, ISBC is classified as a mid-cap stock.
Company Profile
Investors Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Short Hills, US. The company is led by CEO Kevin Cummings. ISBC has traded publicly since 2005.
Financial Health
Investors Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.90 places it in the distress zone, a signal of elevated financial risk.
ISBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Insider buying activity has increased recently, indicating confidence from management in the company's future prospects.
- Community sentiment has leaned positive, with discussions highlighting strong customer service and community engagement.
- Recent developments in regional banking regulations may favor smaller banks like Investors Bancorp, enhancing their competitive edge.
- Investors are optimistic about potential growth in mortgage lending as housing market conditions improve.
Bear Case
- Concerns about rising interest rates could impact profit margins, leading to bearish sentiment among some investors.
- Negative community discussions have emerged regarding the bank's exposure to commercial real estate loans, raising caution among traders.
- Market perception has been affected by broader economic uncertainties, causing some investors to adopt a wait-and-see approach.
- Recent earnings reports have shown mixed results, leading to skepticism about the bank's growth trajectory in the near term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
ISBC Latest News
No recent news available for ISBC.
Leadership: Kevin Cummings
CEO
Kevin Cummings serves as the CEO of Investors Bancorp, Inc., bringing extensive experience in the financial services industry. Prior to his role at Investors Bancorp, Cummings held various leadership positions in commercial banking and finance. His career spans over three decades, marked by a deep understanding of banking operations, risk management, and strategic planning. Cummings holds a degree in Business Administration and has completed executive education programs at leading institutions. His expertise encompasses both traditional banking practices and modern financial technologies, positioning him to lead Investors Bancorp through evolving market dynamics.
Track Record: Under Kevin Cummings' leadership, Investors Bancorp has expanded its regional presence and diversified its loan portfolio. He has overseen significant growth in assets and profitability, while maintaining a strong focus on risk management and regulatory compliance. Cummings has also spearheaded initiatives to enhance customer service and invest in digital banking solutions. His strategic decisions have contributed to the company's consistent performance and shareholder value creation.
Investors Bancorp, Inc. Financial Services Stock: Key Questions Answered
What happened to Investors Bancorp, Inc. (ISBC) stock?
Investors Bancorp, Inc. (ISBC) no longer trades on public markets. It was delisted in April 2022. The figures below are historical and are not a current quote.
Can I still buy ISBC shares?
No. ISBC stopped trading on public markets in April 2022, so the shares are not available through a broker. Anything you see quoted for ISBC elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before ISBC stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Investors Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Investors Bancorp, Inc. do?
Investors Bancorp, Inc. operates as the bank holding company for Investors Bank, providing a range of financial products and services to individuals and businesses. These offerings include deposit accounts such as savings, checking, and money market accounts, as well as various loan products like multi-family, commercial real estate, and residential mortgages.
What do analysts say about ISBC stock?
Analyst consensus on Investors Bancorp, Inc. (ISBC) stock reflects a generally neutral outlook, with evaluations considering its regional banking focus, dividend yield, and financial performance. Key valuation metrics such as the P/E ratio are often compared to peers in the regional banking sector.
What are the main risks for ISBC?
Investors Bancorp, Inc. faces several key risks inherent to the financial services industry. These include interest rate risk, which can impact its net interest margin, and credit risk, related to the potential for loan defaults. Competition from larger national banks and emerging fintech companies poses a threat to its market share.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial metrics are based on the most recent available data.
- Future performance is subject to market conditions and company-specific factors.