Íslandsbanki hf.

ISB.IC

Banks - Regional · Financial Services

Price

145.00 ISK

+1.20 (+0.83%)

Market Cap

240.40B ISK

Exchange

NASDAQ Iceland

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 26, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Strong

Valuation

Good

Dividends

Good

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Share count falling — buybacks

−7.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.00B (2021) → 1.85B (2025)

Winston Score History

The full picture

Íslandsbanki hf., alongside its subsidiaries, provides a broad spectrum of commercial banking solutions to both individual and business clients across Iceland. The bank serves retail customers through personal banking offerings such as online platforms, live chat assistance, tailored advice, and various digital services. For small and medium-sized enterprises (SMEs), it delivers specialized banking products and asset financing services, marketed under the Ergo brand. Additionally, the company extends sophisticated corporate and investment banking services, assisting large corporations, pension and investment funds, institutional investors, and high-net-worth individuals with their financial and investment needs. Further services encompass securities and foreign currency trading, investment consultation, corporate finance, loan provisions, and private banking. The institution was founded in 1905 and its headquarters are located in Kópavogur, Iceland.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.4% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+8.1% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

0 ISK/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

1.8T ISK cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Íslandsbanki hf. is growing revenue at 4% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+6.6%

Slow sales growth (+6.6% YoY)

Profit growth

EPS YoY

+12.9%

Earnings growing (+12.9% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

9.4x

Attractive valuation — P/E 9.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-0.4

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

5.02%

Healthy income — 5.02% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

N/A

Data not available

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