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Íslandsbanki hf. (ISB.IC)
Kópavogur, IS
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.82% | -0.68% | +6.10% | +3.18% | +17.74% | -1.68% | +27.51% | +23.21% | +54.33% | +54.33% | +54.33% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-6.0% Q1'26: +27.4% (vs Q1'25)
-
EPS growth+8.7% Q1'26: +53.4% (vs Q1'25)
-
FCF margin— Q1'26: +14.5% (vs Q1'25)
-
EBIT margin— Q1'26: +23.1% (vs Q1'25)
-
ROIC— Q1'26: +4.7% (vs Q1'25)
-
Share dilution-4.1% Q1'26: -6.9% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 11.27× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
74.62B
est: 49.80B (+49.8%)
|
107.91B
est: 56.61B (+90.6%)
|
151.39B
est: 61.76B (+145.1%)
|
156.30B
est: 63.78B (+145.1%)
|
146.92B
est: 65.60B (+124.0%)
|
69.66B
69.66B – 69.66B
+6.2% YoY
|
71.44B
71.44B – 71.44B
+2.5% YoY
|
74.48B
74.48B – 74.48B
+4.3% YoY
|
| EBITDA |
29.02B
est: 13.30B (+118.2%)
|
34.27B
est: 15.11B (+126.7%)
|
35.37B
est: 17.49B (+102.3%)
|
35.25B
est: 18.06B (+95.2%)
|
36.75B
est: 18.57B (+97.9%)
|
19.72B
19.72B – 19.72B
+6.2% YoY
|
20.23B
20.23B – 20.23B
+2.5% YoY
|
21.09B
21.09B – 21.09B
+4.3% YoY
|
| EBIT |
27.62B
est: 12.50B (+121.0%)
|
32.87B
est: 14.21B (+131.3%)
|
33.75B
est: 16.68B (+102.3%)
|
33.59B
est: 17.23B (+94.9%)
|
35.00B
est: 17.72B (+97.5%)
|
18.82B
18.82B – 18.82B
+6.2% YoY
|
19.30B
19.30B – 19.30B
+2.5% YoY
|
20.12B
20.12B – 20.12B
+4.3% YoY
|
| Net Income |
23.73B
est: 21.07B (+12.6%)
|
24.54B
est: 24.68B (-0.6%)
|
24.59B
est: 21.43B (+14.7%)
|
24.25B
est: 22.21B (+9.2%)
|
25.25B
est: 21.64B (+16.7%)
|
25.41B
25.06B – 28.72B
+17.4% YoY
|
25.66B
25.31B – 32.07B
+1.0% YoY
|
31.05B
31.05B – 31.05B
+21.0% YoY
|
| SGA |
3.63B
est: 1.93B (+87.8%)
|
4.11B
est: 2.20B (+86.9%)
|
4.99B
est: 2.19B (+127.6%)
|
4.59B
est: 2.26B (+102.8%)
|
4.16B
est: 2.33B (+78.7%)
|
2.47B
2.47B – 2.47B
+6.2% YoY
|
2.54B
2.54B – 2.54B
+2.5% YoY
|
2.64B
2.64B – 2.64B
+4.3% YoY
|
| EPS |
11.26
est: 10.89 (+3.4%)
|
12.27
est: 12.76 (-3.9%)
|
12.34
est: 11.56 (+6.7%)
|
12.53
est: 11.98 (+4.6%)
|
13.62
est: 11.67 (+16.7%)
|
14.51
13.52 – 15.49
+24.3% YoY
|
15.47
13.65 – 17.30
+6.7% YoY
|
16.75
16.75 – 16.75
+8.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Vanguard Emerging Markets Ex-China ETF VEXC | 0.03% | 62.2K | 0.07% |
| 2 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L | 0.02% | 1.08M | 0.17% |
| 3 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L | 0.02% | 1.08M | 0.17% |
| 4 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.02% | 576.5K | 0.26% |
| 5 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.02% | 255.6K | 0.48% |
| 6 | Schwab Emerging Markets Equity ETF SCHE | 0.02% | 2.28M | 0.06% |
| 7 | Vanguard FTSE Emerging Markets ETF VWO | 0.02% | 28.45M | 0.06% |
| 8 | Vanguard International High Dividend Yield ETF VYMI | 0.01% | 2.40M | 0.07% |
| 9 | Vanguard ESG International Stock ETF VSGX | 0.01% | 445.3K | 0.10% |
| 10 | Vanguard FTSE All-World High Dividend Yield UCITS ETF VHYD.L | 0.01% | 687.0K | 0.29% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Jon Guoni Omarsson | Chief Executive Officer & Member of Executive Board | 66M | male |
| Kristin Hronn | Managing Director of Corporate & Investment Banking and Member of Executive Board | 64M | female |
| Ellert Hlodversson | Chief Financial Officer & Member of Executive Board | 59M | male |
| Una Steinsdottir | MD of Business Banking & Member of Executive Board | 54M | female |
| Olof Jonsdottir | MD of Personal Banking & Member of Executive Board | 51M | female |
| Gudmundur Kristinn Birgisson | Chief Risk Officer & Member of Executive Board | 49M | male |
| Barbara Inga Albertsdottir | Chief Compliance Officer & Member of Executive Board | 44M | female |
| Hafsteinn Bragason | Head of Human Resources | — | male |
| Bjarney Anna Bjarnadottir | Investor Relations | — | — |
| Agust Hrafnkelsson | Chief Audit Executive | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ISB.IC
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
