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ISB (Íslandsbanki hf.) Stock Analysis
Buy, Hold or Sell?

Let's analyze Íslandsbanki hf. together

I guess you are interested in Íslandsbanki hf.. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Íslandsbanki hf.’s Financial Insights
  • 📈 Technical Analysis (TA) – Íslandsbanki hf.’s Price Targets

I'm going to help you getting a better view of Íslandsbanki hf.. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Íslandsbanki hf. (30 sec.)










1.2. What can you expect buying and holding a share of Íslandsbanki hf.? (30 sec.)

How much money do you get?

How much money do you get?
kr0.00
When do you have the money?
1 year
How often do you get paid?
52.6%

What is your share worth?

Current worth
kr115.87
Expected worth in 1 year
kr121.96
How sure are you?
94.7%

+ What do you gain per year?

Total Gains per Share
kr6.09
Return On Investment
5.1%

For what price can you sell your share?

Current Price per Share
kr119.00
Expected price per share
kr115.50 - kr121.00
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Íslandsbanki hf. (5 min.)




Live pricePrice per Share (EOD)
kr119.00
Intrinsic Value Per Share
kr1,103.45 - kr1,325.02
Total Value Per Share
kr1,219.32 - kr1,440.89

2.2. Growth of Íslandsbanki hf. (5 min.)




Is Íslandsbanki hf. growing?

Current yearPrevious yearGrowGrow %
How rich?$1.7b$1.7b$19.4m1.1%

How much money is Íslandsbanki hf. making?

Current yearPrevious yearGrowGrow %
Making money$49.2m$48.7m$504.3k1.0%
Net Profit Margin39.3%37.7%--

How much money comes from the company's main activities?

2.3. Financial Health of Íslandsbanki hf. (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Íslandsbanki hf.?

Welcome investor! Íslandsbanki hf.'s management wants to use your money to grow the business. In return you get a share of Íslandsbanki hf..

First you should know what it really means to hold a share of Íslandsbanki hf.. And how you can make/lose money.

Speculation

The Price per Share of Íslandsbanki hf. is kr119.00. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Íslandsbanki hf..
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Íslandsbanki hf., you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is kr115.87. Based on the TTM, the Book Value Change Per Share is kr1.52 per quarter. Based on the YOY, the Book Value Change Per Share is kr1.05 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is kr0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Íslandsbanki hf..

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 kr% of Price per Sharekr% of Price per Sharekr% of Price per Sharekr% of Price per Sharekr% of Price per Sharekr% of Price per Share
Usd Eps0.020.0%0.030.0%0.020.0%0.030.0%0.020.0%0.020.0%
Usd Book Value Change Per Share-0.030.0%0.010.0%0.010.0%0.010.0%0.050.0%0.050.0%
Usd Dividend Per Share0.000.0%0.000.0%0.010.0%0.010.0%0.010.0%0.010.0%
Usd Total Gains Per Share-0.030.0%0.010.0%0.020.0%0.020.0%0.060.1%0.060.1%
Usd Price Per Share1.01-0.93-0.90-0.94-0.80-0.80-
Price to Earnings Ratio11.10-9.12-9.14-9.25-7.87-7.87-
Price-to-Total Gains Ratio-29.80-17.19-42.97-32.69-31.54-31.54-
Price to Book Ratio1.06-0.97-0.99-1.04-0.91-0.91-
Price-to-Total Gains Ratio-29.80-17.19-42.97-32.69-31.54-31.54-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.9758
Number of shares1024
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.01
Usd Book Value Change Per Share0.010.05
Usd Total Gains Per Share0.010.06
Gains per Quarter (1024 shares)12.7966.46
Gains per Year (1024 shares)51.16265.83
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10514161205256
2010292122410522
30153143183614788
402051942448191054
5025624530510241320
6030729636612291586
7035834742714341852
8040939848816392118
9046044954918432384
10051250061020482650

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%19.00.00.0100.0%19.00.00.0100.0%19.00.00.0100.0%
Book Value Change Per Share3.01.00.075.0%9.03.00.075.0%13.05.01.068.4%13.05.01.068.4%13.05.01.068.4%
Dividend per Share0.00.04.00.0%3.00.09.025.0%10.00.09.052.6%10.00.09.052.6%10.00.09.052.6%
Total Gains per Share3.01.00.075.0%11.01.00.091.7%18.01.00.094.7%18.01.00.094.7%18.01.00.094.7%
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3.2. Key Performance Indicators

The key performance indicators of Íslandsbanki hf. compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share---4.1281.523-371%1.048-494%1.439-387%6.099-168%6.099-168%
Book Value Per Share--115.872116.3430%110.427+5%110.812+5%100.521+15%100.521+15%
Current Ratio----0%-0%0.051-100%0.096-100%0.096-100%
Debt To Asset Ratio--0.8690.864+1%0.864+1%0.863+1%0.818+6%0.818+6%
Debt To Equity Ratio--6.6526.340+5%6.384+4%6.317+5%5.995+11%5.995+11%
Dividend Per Share----0%1.565-100%1.043-100%1.816-100%1.816-100%
Enterprise Value---1218237095290.000-1186376353500.750-3%-1179532593598.375-3%-1146807083301.492-6%-1112402874976.119-9%-1112402874976.119-9%
Eps--2.7703.158-12%3.000-8%3.119-11%2.918-5%2.918-5%
Ev To Sales Ratio---19.805-19.398-2%-18.663-6%-18.545-6%-18.798-5%-18.798-5%
Free Cash Flow Per Share--7.1916.493+11%3.158+128%2.582+178%-1.138+116%-1.138+116%
Free Cash Flow To Equity Per Share--7.1916.493+11%3.158+128%4.444+62%3.570+101%3.570+101%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--1325.022----------
Intrinsic Value_10Y_min--1103.448----------
Intrinsic Value_1Y_max--28.092----------
Intrinsic Value_1Y_min--27.532----------
Intrinsic Value_3Y_max--164.187----------
Intrinsic Value_3Y_min--155.136----------
Intrinsic Value_5Y_max--396.468----------
Intrinsic Value_5Y_min--361.125----------
Market Cap222952444288.000-4%231297904710.000215736646499.250+7%217370156401.625+6%224461166698.508+3%191922842125.374+21%191922842125.374+21%
Net Profit Margin--0.3390.393-14%0.377-10%0.397-15%0.403-16%0.403-16%
Operating Margin----0%-0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%-0%
Pb Ratio1.027-3%1.0620.974+9%0.993+7%1.035+3%0.908+17%0.908+17%
Pe Ratio10.740-3%11.1019.124+22%9.142+21%9.249+20%7.871+41%7.871+41%
Price Per Share119.000-3%123.000113.500+8%109.625+12%114.458+7%97.368+26%97.368+26%
Price To Free Cash Flow Ratio4.137-3%4.2761.858+130%-1.858+143%-3.170+174%-2.676+163%-2.676+163%
Price To Total Gains Ratio-28.827+3%-29.79617.193-273%42.974-169%32.687-191%31.541-194%31.541-194%
Quick Ratio----0%-0%0.001-100%0.001-100%0.001-100%
Return On Assets--0.0030.004-16%0.004-15%0.004-19%0.004-14%0.004-14%
Return On Equity--0.0240.027-12%0.027-12%0.028-15%0.027-10%0.027-10%
Total Gains Per Share---4.1281.523-371%2.613-258%2.482-266%7.915-152%7.915-152%
Usd Book Value--1786730800.0001814532900.000-2%1795039450.0000%1780289016.667+0%1625163610.526+10%1625163610.526+10%
Usd Book Value Change Per Share---0.0340.012-371%0.009-494%0.012-387%0.050-168%0.050-168%
Usd Book Value Per Share--0.9500.9540%0.906+5%0.909+5%0.824+15%0.824+15%
Usd Dividend Per Share----0%0.013-100%0.009-100%0.015-100%0.015-100%
Usd Enterprise Value---9989544181.378-9728286098.706-3%-9672167267.507-3%-9403818083.072-6%-9121703574.804-9%-9121703574.804-9%
Usd Eps--0.0230.026-12%0.025-8%0.026-11%0.024-5%0.024-5%
Usd Free Cash Flow--110880400.000102268350.000+8%51217200.000+116%40759466.667+172%-19301505.263+117%-19301505.263+117%
Usd Free Cash Flow Per Share--0.0590.053+11%0.026+128%0.021+178%-0.009+116%-0.009+116%
Usd Free Cash Flow To Equity Per Share--0.0590.053+11%0.026+128%0.036+62%0.029+101%0.029+101%
Usd Market Cap1828210043.162-4%1896642818.6221769040501.294+7%1782435282.493+6%1840581566.928+3%1573767305.428+21%1573767305.428+21%
Usd Price Per Share0.976-3%1.0090.931+8%0.899+12%0.939+7%0.798+26%0.798+26%
Usd Profit--42713800.00049275850.000-13%48771550.000-12%50147783.333-15%47126694.737-9%47126694.737-9%
Usd Revenue--126099600.000125423100.000+1%129642000.000-3%126936683.333-1%116985515.789+8%116985515.789+8%
Usd Total Gains Per Share---0.0340.012-371%0.021-258%0.020-266%0.065-152%0.065-152%
 EOD+5 -3MRQTTM+9 -23YOY+10 -243Y+11 -255Y+12 -2410Y+12 -24

3.3 Fundamental Score

Let's check the fundamental score of Íslandsbanki hf. based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.740
Price to Book Ratio (EOD)Between0-11.027
Net Profit Margin (MRQ)Greater than00.339
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.869
Debt to Equity Ratio (MRQ)Less than16.652
Return on Equity (MRQ)Greater than0.150.024
Return on Assets (MRQ)Greater than0.050.003
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Íslandsbanki hf. based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5058.060
Ma 20Greater thanMa 50117.525
Ma 50Greater thanMa 100115.870
Ma 100Greater thanMa 200118.635
OpenGreater thanClose119.000
Total2/5 (40.0%)

4. In-depth Analysis

4.1 About Íslandsbanki hf.

Íslandsbanki hf., together with its subsidiaries, provides commercial banking products and services to individuals and businesses in Iceland. It operates through Personal Banking, Business Banking, Corporate & Investment Banking, and Treasury and Proprietary Trading segments. The company offers retail and corporate banking, investment banking, wealth management, and asset financing services; current, savings, and pension savings accounts; funds, including bonds, shares, and mixed funds; mortgages and overdrafts; personal, car, capital, construction, and sustainable loans; debit, credit, and gift cards; collection and international business services; and online banking, banking app, electronic invoices, and ATM services. It also provides fixed asset financing, factoring, and letter of guarantee; custody; insurance; corporate finance; green finance for charging stations; institutional investor services for pension funds, other smaller funds, institutions, and businesses; currency sales; and securities brokerage and trading services. In addition, the company offers financial services to larger companies, pension funds, municipalities, institutional investors, and high-net-worth individuals; foreign trade services, including foreign exchange transactions, guarantees, collection, and international payments; asset and cash management; investment advice; and lending and advisory, risk management, brokerage, and private banking services. The company was formerly known as Nyi Glitnir banki hf. and changed its name to Íslandsbanki hf. in February 2009. Íslandsbanki hf. was founded in 1875 and is headquartered in Kópavogur, Iceland.

Fundamental data was last updated by Penke on 2025-06-24 07:34:04.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Íslandsbanki hf. earns for each kr1 of revenue.

  • Above 10% is considered healthy but always compare Íslandsbanki hf. to the Banks - Regional industry mean.
  • A Net Profit Margin of 33.9% means that kr0.34 for each kr1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Íslandsbanki hf.:

  • The MRQ is 33.9%. The company is making a huge profit. +2
  • The TTM is 39.3%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ33.9%TTM39.3%-5.5%
TTM39.3%YOY37.7%+1.7%
TTM39.3%5Y40.3%-0.9%
5Y40.3%10Y40.3%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ33.9%41.9%-8.0%
TTM39.3%31.1%+8.2%
YOY37.7%29.6%+8.1%
3Y39.7%29.0%+10.7%
5Y40.3%25.7%+14.6%
10Y40.3%22.1%+18.2%
4.3.1.2. Return on Assets

Shows how efficient Íslandsbanki hf. is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Íslandsbanki hf. to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Íslandsbanki hf. generated kr0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Íslandsbanki hf.:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.4%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.4%-0.1%
TTM0.4%YOY0.4%+0.0%
TTM0.4%5Y0.4%+0.0%
5Y0.4%10Y0.4%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.2%+0.1%
TTM0.4%0.2%+0.2%
YOY0.4%0.2%+0.2%
3Y0.4%0.2%+0.2%
5Y0.4%0.2%+0.2%
10Y0.4%0.2%+0.2%
4.3.1.3. Return on Equity

Shows how efficient Íslandsbanki hf. is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Íslandsbanki hf. to the Banks - Regional industry mean.
  • 2.4% Return on Equity means Íslandsbanki hf. generated kr0.02 for each kr1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Íslandsbanki hf.:

  • The MRQ is 2.4%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 2.7%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.4%TTM2.7%-0.3%
TTM2.7%YOY2.7%0.0%
TTM2.7%5Y2.7%+0.1%
5Y2.7%10Y2.7%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.4%2.8%-0.4%
TTM2.7%2.2%+0.5%
YOY2.7%2.6%+0.1%
3Y2.8%2.5%+0.3%
5Y2.7%2.4%+0.3%
10Y2.7%2.6%+0.1%
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4.3.2. Operating Efficiency of Íslandsbanki hf..

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Íslandsbanki hf. is operating .

  • Measures how much profit Íslandsbanki hf. makes for each kr1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Íslandsbanki hf. to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated kr0.00  for each kr1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Íslandsbanki hf.:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
4.3.2.2. Operating Ratio

Measures how efficient Íslandsbanki hf. is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are kr0.00 for each kr1 in net sales.

Let's take a look of the Operating Ratio trends of Íslandsbanki hf.:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
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4.4.3. Liquidity of Íslandsbanki hf..

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Íslandsbanki hf. is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has kr0.00 in assets for each kr1 in short-term debts.

Let's take a look of the Current Ratio trends of Íslandsbanki hf.:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.096-0.096
5Y0.09610Y0.0960.000
4.4.3.2. Quick Ratio

Measures if Íslandsbanki hf. is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Íslandsbanki hf. to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off kr0.00 for each kr1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Íslandsbanki hf.:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.001-0.001
5Y0.00110Y0.0010.000
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4.5.4. Solvency of Íslandsbanki hf..

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Íslandsbanki hf. assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Íslandsbanki hf. to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.87 means that Íslandsbanki hf. assets are financed with 86.9% credit (debt) and the remaining percentage (100% - 86.9%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Íslandsbanki hf.:

  • The MRQ is 0.869. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.864. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.869TTM0.864+0.006
TTM0.864YOY0.864-0.001
TTM0.8645Y0.818+0.046
5Y0.81810Y0.8180.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8690.912-0.043
TTM0.8640.914-0.050
YOY0.8640.331+0.533
3Y0.8630.655+0.208
5Y0.8180.761+0.057
10Y0.8180.845-0.027
4.5.4.2. Debt to Equity Ratio

Measures if Íslandsbanki hf. is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Íslandsbanki hf. to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 665.2% means that company has kr6.65 debt for each kr1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Íslandsbanki hf.:

  • The MRQ is 6.652. The company is unable to pay all its debts with equity. -1
  • The TTM is 6.340. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ6.652TTM6.340+0.313
TTM6.340YOY6.384-0.045
TTM6.3405Y5.995+0.344
5Y5.99510Y5.9950.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ6.65210.416-3.764
TTM6.34010.683-4.343
YOY6.3844.228+2.156
3Y6.3177.922-1.605
5Y5.9959.283-3.288
10Y5.99511.348-5.353
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every kr1 in earnings Íslandsbanki hf. generates.

  • Above 15 is considered overpriced but always compare Íslandsbanki hf. to the Banks - Regional industry mean.
  • A PE ratio of 11.10 means the investor is paying kr11.10 for every kr1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Íslandsbanki hf.:

  • The EOD is 10.740. Based on the earnings, the company is underpriced. +1
  • The MRQ is 11.101. Based on the earnings, the company is underpriced. +1
  • The TTM is 9.124. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD10.740MRQ11.101-0.361
MRQ11.101TTM9.124+1.977
TTM9.124YOY9.142-0.018
TTM9.1245Y7.871+1.253
5Y7.87110Y7.8710.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD10.7404.419+6.321
MRQ11.1013.875+7.226
TTM9.1246.132+2.992
YOY9.1424.741+4.401
3Y9.2495.925+3.324
5Y7.8718.400-0.529
10Y7.8719.118-1.247
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Íslandsbanki hf.:

  • The EOD is 4.137. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 4.276. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.858. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD4.137MRQ4.276-0.139
MRQ4.276TTM1.858+2.418
TTM1.858YOY-1.858+3.717
TTM1.8585Y-2.676+4.534
5Y-2.67610Y-2.6760.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD4.1370.383+3.754
MRQ4.2760.336+3.940
TTM1.8580.632+1.226
YOY-1.858-1.072-0.786
3Y-3.1702.007-5.177
5Y-2.6760.284-2.960
10Y-2.6760.095-2.771
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Íslandsbanki hf. is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.06 means the investor is paying kr1.06 for each kr1 in book value.

Let's take a look of the Price to Book Ratio trends of Íslandsbanki hf.:

  • The EOD is 1.027. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.062. Based on the equity, the company is underpriced. +1
  • The TTM is 0.974. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.027MRQ1.062-0.035
MRQ1.062TTM0.974+0.087
TTM0.974YOY0.993-0.019
TTM0.9745Y0.908+0.066
5Y0.90810Y0.9080.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.0270.492+0.535
MRQ1.0620.432+0.630
TTM0.9740.446+0.528
YOY0.9930.149+0.844
3Y1.0350.355+0.680
5Y0.9080.578+0.330
10Y0.9080.801+0.107
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in ISK. All numbers in thousands.

Summary
Total Assets1,667,429,000
Total Liabilities1,449,535,000
Total Stockholder Equity217,894,000
 As reported
Total Liabilities 1,449,535,000
Total Stockholder Equity+ 217,894,000
Total Assets = 1,667,429,000

Assets

Total Assets1,667,429,000
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 69,038,000
Total Current Assets  (as reported)0
Total Current Assets  (calculated)69,038,000
+/- 69,038,000
Long-term Assets
Property Plant Equipment 5,135,000
Long Term Investments 177,492,000
Long-term Assets  (as reported)0
Long-term Assets  (calculated)182,627,000
+/- 182,627,000

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity217,894,000
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 158,381,000
Total Stockholder Equity (as reported)217,894,000
Total Stockholder Equity (calculated)158,381,000
+/- 59,513,000
Other
Capital Stock9,368,000
Common Stock Shares Outstanding 1,880,471
Net Debt 370,730,000
Net Invested Capital 657,662,000



6.2. Balance Sheets Structured

Currency in ISK. All numbers in thousands.

 Trend2025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-30
> Total Assets 
0
1,344,191,000
1,385,235,000
1,446,860,000
1,456,372,000
1,428,821,000
1,446,355,000
1,437,253,000
1,548,672,000
1,566,235,000
1,551,530,000
1,593,239,000
1,643,600,000
1,582,694,000
1,643,707,000
1,595,896,000
1,622,458,000
1,607,807,000
1,667,429,000
1,667,429,0001,607,807,0001,622,458,0001,595,896,0001,643,707,0001,582,694,0001,643,600,0001,593,239,0001,551,530,0001,566,235,0001,548,672,0001,437,253,0001,446,355,0001,428,821,0001,456,372,0001,446,860,0001,385,235,0001,344,191,0000
   > Total Current Assets 
131,935,000
137,444,000
147,824,000
158,476,000
150,127,000
145,809,000
117,248,000
106,399,000
154,413,000
159,583,000
112,003,000
0
0
0
0
0
0
0
0
00000000112,003,000159,583,000154,413,000106,399,000117,248,000145,809,000150,127,000158,476,000147,824,000137,444,000131,935,000
       Cash And Cash Equivalents 
0
78,660,000
86,879,000
129,143,000
109,645,000
113,078,000
77,210,000
77,884,000
73,566,000
94,424,000
67,764,000
78,275,000
84,332,000
87,020,000
68,263,000
84,498,000
104,294,000
64,902,000
69,038,000
69,038,00064,902,000104,294,00084,498,00068,263,00087,020,00084,332,00078,275,00067,764,00094,424,00073,566,00077,884,00077,210,000113,078,000109,645,000129,143,00086,879,00078,660,0000
       Net Receivables 
2,167,000
2,026,000
1,876,000
1,814,000
1,303,000
1,582,000
1,120,000
1,290,000
1,127,000
1,798,000
1,356,000
0
0
0
0
0
0
0
0
000000001,356,0001,798,0001,127,0001,290,0001,120,0001,582,0001,303,0001,814,0001,876,0002,026,0002,167,000
       Inventory 
1,584,000
1,555,000
1,318,000
1,219,000
637,000
269,000
602,000
833,000
799,000
728,000
708,000
0
0
0
0
0
0
0
0
00000000708,000728,000799,000833,000602,000269,000637,0001,219,0001,318,0001,555,0001,584,000
       Other Current Assets 
12,934,000
11,079,000
11,471,000
10,260,000
9,478,000
10,584,000
10,612,000
10,959,000
10,454,000
10,161,000
9,769,000
0
0
0
0
0
0
0
0
000000009,769,00010,161,00010,454,00010,959,00010,612,00010,584,0009,478,00010,260,00011,471,00011,079,00012,934,000
   > Long-term Assets 0000000000000000000
       Property Plant Equipment 
7,409,000
7,341,000
7,191,000
7,246,000
7,082,000
7,010,000
6,911,000
6,846,000
6,760,000
6,752,000
6,734,000
6,748,000
6,528,000
6,562,000
5,240,000
5,135,000
5,067,000
5,039,000
5,135,000
5,135,0005,039,0005,067,0005,135,0005,240,0006,562,0006,528,0006,748,0006,734,0006,752,0006,760,0006,846,0006,911,0007,010,0007,082,0007,246,0007,191,0007,341,0007,409,000
       Long Term Investments 
0
150,489,000
132,767,000
145,810,000
158,381,000
167,350,000
164,367,000
154,114,000
162,746,000
157,977,000
150,551,000
152,793,000
201,522,000
184,410,000
185,589,000
156,206,000
155,141,000
176,973,000
177,492,000
177,492,000176,973,000155,141,000156,206,000185,589,000184,410,000201,522,000152,793,000150,551,000157,977,000162,746,000154,114,000164,367,000167,350,000158,381,000145,810,000132,767,000150,489,0000
       Intangible Assets 
0
3,478,000
0
0
0
3,351,000
0
0
0
3,279,000
0
0
0
2,930,000
0
0
0
2,684,000
0
02,684,0000002,930,0000003,279,0000003,351,0000003,478,0000
> Total Liabilities 
0
1,157,987,000
1,199,764,000
1,256,505,000
1,258,991,000
1,225,111,000
1,249,154,000
1,233,591,000
1,337,059,000
1,347,361,000
1,341,145,000
1,377,715,000
1,423,906,000
1,358,001,000
1,427,989,000
1,379,395,000
1,399,070,000
1,380,452,000
1,449,535,000
1,449,535,0001,380,452,0001,399,070,0001,379,395,0001,427,989,0001,358,001,0001,423,906,0001,377,715,0001,341,145,0001,347,361,0001,337,059,0001,233,591,0001,249,154,0001,225,111,0001,258,991,0001,256,505,0001,199,764,0001,157,987,0000
   > Total Current Liabilities 
755,085,000
766,661,000
772,363,000
836,825,000
875,978,000
856,372,000
829,067,000
810,857,000
829,921,000
913,764,000
922,464,000
0
0
0
0
0
0
0
0
00000000922,464,000913,764,000829,921,000810,857,000829,067,000856,372,000875,978,000836,825,000772,363,000766,661,000755,085,000
       Accounts payable 
734,969,000
719,105,000
730,095,000
797,772,000
774,782,000
757,269,000
772,420,000
768,261,000
801,425,000
805,002,000
813,669,000
0
0
0
0
0
0
0
0
00000000813,669,000805,002,000801,425,000768,261,000772,420,000757,269,000774,782,000797,772,000730,095,000719,105,000734,969,000
       Other Current Liabilities 
9,273,000
7,127,000
7,629,000
6,912,000
8,865,000
10,091,000
9,907,000
10,630,000
11,825,000
12,248,000
16,621,000
0
0
0
0
0
0
0
0
0000000016,621,00012,248,00011,825,00010,630,0009,907,00010,091,0008,865,0006,912,0007,629,0007,127,0009,273,000
   > Long-term Liabilities 0000000000000000000
> Total Stockholder Equity
0
184,710,000
184,688,000
189,936,000
197,391,000
203,710,000
197,201,000
203,662,000
211,613,000
218,874,000
210,385,000
215,524,000
219,694,000
224,693,000
215,718,000
216,501,000
223,388,000
227,355,000
217,894,000
217,894,000227,355,000223,388,000216,501,000215,718,000224,693,000219,694,000215,524,000210,385,000218,874,000211,613,000203,662,000197,201,000203,710,000197,391,000189,936,000184,688,000184,710,0000
   Common Stock
10,000,000
10,000,000
10,000,000
10,000,000
10,000,000
10,000,000
10,000,000
10,000,000
10,000,000
10,000,000
0
0
0
0
0
0
0
0
0
00000000010,000,00010,000,00010,000,00010,000,00010,000,00010,000,00010,000,00010,000,00010,000,00010,000,000
   Retained Earnings Total Equity0000000000000000000
   Accumulated Other Comprehensive Income 0000000000000000000
   Capital Surplus 0000000000000000000
   Treasury Stock0000000000000000000
   Other Stockholders Equity 
1,267,000
125,000
-91,000
-1,176,000
-1,305,000
-1,054,000
-640,000
44,000
509,000
1,788,000
275,000
0
0
0
0
0
0
0
0
00000000275,0001,788,000509,00044,000-640,000-1,054,000-1,305,000-1,176,000-91,000125,0001,267,000



6.3. Balance Sheets

Currency in ISK. All numbers in thousands.




6.4. Cash Flows

Currency in ISK. All numbers in thousands.




6.5. Income Statements

Currency in ISK. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in ISK. All numbers in thousands.

Gross Profit (+$)
totalRevenue62,226,000
Cost of Revenue-0
Gross Profit062,226,000
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative4,590,000
Selling And Marketing Expenses0
Operating Expense04,590,000
 
Net Interest Income (+$)
Interest Income141,342,000
Interest Expense-94,077,000
Other Finance Cost-0
Net Interest Income47,265,000
 
Pretax Income (+$)
Operating Income0
Net Interest Income47,265,000
Other Non-Operating Income Expenses0
Income Before Tax (EBT)33,585,0000
EBIT - interestExpense = -94,077,000
24,246,000
118,323,000
Interest Expense94,077,000
Earnings Before Interest and Taxes (EBIT)0127,662,000
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax33,585,000
Tax Provision-9,426,000
Net Income From Continuing Ops24,159,00024,159,000
Net Income24,246,000
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-47,265,000
 

Technical Analysis of Íslandsbanki hf.
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Íslandsbanki hf.. The general trend of Íslandsbanki hf. is BEARISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Íslandsbanki hf.'s overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-14.3%) Bearish trend (14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Íslandsbanki hf. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Íslandsbanki hf..

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 120.00 < 120.00 < 121.00.

The bearish price targets are: 115.50 > 115.50 > 115.50.

Know someone who trades $ISB? Share this with them.👇

Íslandsbanki hf. Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Íslandsbanki hf.. The current mas is .

The long score for the Moving Averages is 6/14.
The longshort score for the Moving Averages is -2/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Íslandsbanki hf. Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Íslandsbanki hf.. The current macd is 0.42799349.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Íslandsbanki hf. price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Íslandsbanki hf.. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Íslandsbanki hf. price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Íslandsbanki hf. Daily Moving Average Convergence/Divergence (MACD) ChartÍslandsbanki hf. Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Íslandsbanki hf.. The current adx is 13.84.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Íslandsbanki hf. shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Íslandsbanki hf. Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Íslandsbanki hf.. The current sar is 115.86.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Íslandsbanki hf. Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Íslandsbanki hf.. The current rsi is 58.06. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 3/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
Íslandsbanki hf. Daily Relative Strength Index (RSI) ChartÍslandsbanki hf. Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Íslandsbanki hf.. The current phase is Overbought in bear market.

The long score for the Stochastic Oscillator is 5/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Íslandsbanki hf. price going up in the near term. +2
  • Trending down: The STOCH %K is trending down. -1
Íslandsbanki hf. Daily Stochastic Oscillator ChartÍslandsbanki hf. Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Íslandsbanki hf.. The current cci is 106.23.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Íslandsbanki hf. Daily Commodity Channel Index (CCI) ChartÍslandsbanki hf. Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Íslandsbanki hf.. The current cmo is 24.43.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Íslandsbanki hf. Daily Chande Momentum Oscillator (CMO) ChartÍslandsbanki hf. Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Íslandsbanki hf.. The current willr is -12.5.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Íslandsbanki hf. Daily Williams %R ChartÍslandsbanki hf. Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Íslandsbanki hf..

Íslandsbanki hf. Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Íslandsbanki hf.. The current atr is 1.66842163.

Íslandsbanki hf. Daily Average True Range (ATR) ChartÍslandsbanki hf. Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Íslandsbanki hf.. The current obv is 984,602,738.

Íslandsbanki hf. Daily On-Balance Volume (OBV) ChartÍslandsbanki hf. Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Íslandsbanki hf.. The current mfi is 66.97.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Íslandsbanki hf. Daily Money Flow Index (MFI) ChartÍslandsbanki hf. Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Íslandsbanki hf..

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-12STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-14ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-17STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-19STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-24SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-26WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-27DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-02-28CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-04STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-06MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-07DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-10MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-12DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-18CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-19STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-20DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-21DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-24STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-25DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-26CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-27STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-01ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-03STOCH LONG EXITThe %K line crosses below the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-04STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-10SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-16MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-25WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-28STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-29CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-30MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-05STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-07STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-05-12WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-05-15STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-16CCI LONG ENTRY SHORT CLOSE100 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-19STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-20DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-05-21DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-22STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-27STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-04STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-06CCI LONG ENTRY SHORT CLOSE100 crossover to upside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-06-10WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-12STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-16MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-23STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-30DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-07-01CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-07-03SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-07-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-07MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-07-08MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

Íslandsbanki hf. Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Íslandsbanki hf. based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5058.060
Ma 20Greater thanMa 50117.525
Ma 50Greater thanMa 100115.870
Ma 100Greater thanMa 200118.635
OpenGreater thanClose119.000
Total2/5 (40.0%)
Penke
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