Definitive Analysis
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Definitive Analysis

Financial Statements

Company Industry Sector

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

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Mode

Company Industry Sector

Ticker

Industry

Sector

Investors Bancorp, Inc. (ISBC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$31.16 - $82.92$47.70
Multi-Stage$21.81 - $23.80$22.78
Blended Fair Value$35.24
Current Price$15.15
Upside132.61%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2021202020192018201720162015201420132012
DPS10.99%0.00%0.590.510.520.480.430.350.370.180.090.02
YoY Growth--15.82%-2.04%7.93%11.46%23.40%-5.84%105.37%89.94%300.43%0.00%
Dividend Yield--3.87%3.45%6.47%3.96%3.15%2.42%3.18%1.54%0.87%0.32%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)313.33
(-) Cash Dividends Paid (M)138.61
(=) Cash Retained (M)174.73
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)62.6739.1723.50
Cash Retained (M)174.73174.73174.73
(-) Cash Required (M)-62.67-39.17-23.50
(=) Excess Retained (M)112.06135.56151.23
(/) Shares Outstanding (M)236.43236.43236.43
(=) Excess Retained per Share0.470.570.64
LTM Dividend per Share0.590.590.59
(+) Excess Retained per Share0.470.570.64
(=) Adjusted Dividend1.061.161.23
WACC / Discount Rate9.09%9.09%9.09%
Growth Rate5.50%6.50%7.50%
Fair Value$31.16$47.70$82.92
Upside / Downside105.70%214.82%447.31%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)313.33333.70355.39378.49403.09429.29442.17
Payout Ratio44.24%53.39%62.54%71.69%80.85%90.00%92.50%
Projected Dividends (M)138.61178.16222.27271.36325.89386.36409.01

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.09%9.09%9.09%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)161.78163.31164.85
Year 2 PV (M)183.28186.77190.30
Year 3 PV (M)203.19209.02214.97
Year 4 PV (M)221.59230.11238.88
Year 5 PV (M)238.56250.08262.05
PV of Terminal Value (M)4,147.314,347.634,555.61
Equity Value (M)5,155.725,386.935,626.65
Shares Outstanding (M)236.43236.43236.43
Fair Value$21.81$22.78$23.80
Upside / Downside43.94%50.39%57.09%

High-Yield Dividend Screener

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