CIK 1594012

INVESTORS BANCORP, INC.

CIK 0001594012 · EDGAR ↗

cleanelevatedtriggeredno dataplanned

28.3

composite · 4 signals · CLEAN

Every card below shows the score and the exact filing data it was computed from — no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded — never a guess.

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Signals

P-07 · FY 2016-12-31 · TRIGGERED71.3

Pension underfunding

[FY2016 data, stale — no more recent pension disclosure in XBRL] DB plan 0% funded — -$40M deficit (1% of equity)

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2018-03-01) ↗

Evidence — inputs and thresholds

{
  "benefit_obligation": 40296000,
  "plan_assets": null,
  "funded_ratio": 0,
  "deficit": -40296000,
  "deficit_vs_equity": 0.0129,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": true,
  "latest_filing_period": "2021-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1594012/000159401218000029/0001594012-18-000029-index.htm",
    "form": "10-K",
    "filed": "2018-03-01"
  }
}

P-01 · FY 2021-12-31 · CLEAN34.2

Earnings quality

Beneish M-Score -2.30 — no manipulation profile

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2022-03-01) ↗

Evidence — inputs and thresholds

{
  "m_score": -2.303,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1,
    "GMI": 1,
    "AQI": 1.001,
    "SGI": 1.242,
    "DEPI": 0.926,
    "SGAI": 1,
    "LVGI": 1,
    "TATA": -0.007
  },
  "defaulted_to_neutral": [
    "DSRI",
    "GMI",
    "SGAI",
    "LVGI"
  ],
  "sloan_accruals": -0.0067,
  "inputs": {
    "revenue_t": 32114000,
    "revenue_t1": 25864000,
    "total_assets_t": 27806618000,
    "net_income_t": 313333000,
    "cfo_t": 494780000
  },
  "stale": false,
  "latest_filing_period": "2021-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1594012/000159401222000022/0001594012-22-000022-index.htm",
    "form": "10-K",
    "filed": "2022-03-01"
  }
}

P-05 · FY 2021-12-31 · CLEAN0.0

Tax arbitrage

ETR 26.9% — within normal range of statutory

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2022-03-01) ↗

Evidence — inputs and thresholds

{
  "etr_by_year": {
    "2021-12-31": 0.2686,
    "2020-12-31": 0.2528,
    "2019-12-31": 0.3182
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2021-12-31": -0.0586,
    "2020-12-31": -0.0428,
    "2019-12-31": -0.1082
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2021-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1594012/000159401222000022/0001594012-22-000022-index.htm",
    "form": "10-K",
    "filed": "2022-03-01"
  }
}

P-12 · FY 2021-12-31 · CLEAN24.4

Restatement predictor

F-Score 0.73 — at or below the population base rate

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2022-03-01) ↗

Evidence — inputs and thresholds

{
  "f_score": 0.731,
  "probability": 0.0027,
  "components": {
    "rsst": -0.0067,
    "drec": null,
    "dinv": null,
    "soft": 0.985,
    "dcs": 0.2416,
    "droa": 0.0028,
    "issue": 0
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2021-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1594012/000159401222000022/0001594012-22-000022-index.htm",
    "form": "10-K",
    "filed": "2022-03-01"
  }
}