Fibi Bank (FIBI) AI Stock Analysis

• Market Cap: ₪23.35B
• Dividend Yield: 7.44%
• Average Volume (3M): 121.59K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.91
• Revenue Growth: 6.44%
• EPS Growth: -8.63%
• Country: IL
• Employees: 3,461
• Sector: General
• Sector Strength: N/A
• Industry: Banks - Regional
• EPS (TTM): 21.50
• Shares Outstanding: 100,297,226
• 10 Day Avg. Volume: 93,009
• 30 Day Avg. Volume: 121,595
• PEG Ratio: -2.39
• Price to Book (P/B): 1.72
• Price to Sales (P/S): 1.81
• P/FCF Ratio: 8.47
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: 25,455.00 ▲(8.83% Upside)
• Action: Reiterated
• Date: 08/19/26

Positive Factors

Solid Profitability

Healthy margins and returns show that Fibi continues to convert banking activity into profits despite weaker operating momentum. This provides an earnings base that can support capital formation and resilience over the next several quarters.

Negative Factors

Sharp Revenue Contraction

The steep revenue reversal signals materially weaker operating momentum and raises questions about the durability of earnings. If the contraction persists, it could pressure margins, reduce internal capital generation, and constrain the bank’s ability to grow.

Fibi Bank Business Overview & Revenue Model

Company Description

First International Bank of Israel Ltd. engages in the provision of financial and banking services. It operates through the following segments: Banking Division-Mortgages, Banking Division-Household, Banking Division-Private Banking, Banking Divis...

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First International Bank of Israel Ltd. engages in the provision of financial and banking services. It operates through the following segments: Banking Division-Mortgages, Banking Division-Household, Banking Division-Private Banking, Banking Divis...

How the Company Makes Money

FIBI primarily makes money through (1) net interest income—earning interest on loans and other interest-earning assets and paying interest on customer deposits and other funding, with the spread between these rates forming a core revenue source; a...

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FIBI primarily makes money through (1) net interest income—earning interest on loans and other interest-earning assets and paying interest on customer deposits and other funding, with the spread between these rates forming a core revenue source; a...

Fibi Bank Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	13.75B	13.87B	12.92B	11.35B	6.62B	4.75B
Gross Profit	6.84B	6.90B	6.56B	6.46B	5.26B	4.39B
EBITDA	3.65B	3.78B	3.98B	3.42B	2.71B	2.29B
Net Income	2.16B	2.26B	2.37B	2.17B	1.67B	1.41B
Balance Sheet
Total Assets	293.95B	277.83B	248.56B	221.59B	195.96B	180.47B
Cash, Cash Equivalents and Short-Term Investments	83.53B	83.78B	77.17B	68.87B	57.13B	57.37B
Total Debt	17.63B	12.80B	4.82B	5.13B	5.13B	3.71B
Total Liabilities	278.42B	262.63B	234.48B	208.95B	184.92B	170.03B
Stockholders Equity	14.90B	14.61B	13.43B	12.07B	10.56B	10.00B
Cash Flow
Free Cash Flow	-1.15B	2.97B	1.23B	1.15B	3.26B	-1.27B
Operating Cash Flow	-1.07B	3.04B	1.47B	1.33B	3.43B	-1.10B
Investing Cash Flow	-17.06B	-21.58B	-10.15B	-8.73B	-14.40B	-10.68B
Financing Cash Flow	23.51B	25.44B	18.17B	19.34B	10.04B	11.80B

Fibi Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
POLI	78 Outperform	₪100.28B	10.71	15.13%	4.32%	3.03%	12.52%
LUMI	76 Outperform	₪111.11B	10.76	15.67%	4.47%	0.96%	8.30%
MZTF	71 Outperform	₪60.30B	10.84	16.87%	4.71%	0.78%	0.99%
DSCT	65 Neutral	₪41.59B	10.39	13.10%	4.88%	-4.38%	-4.54%
FIBI	64 Neutral	₪23.35B	10.83	15.81%	6.42%	6.44%	-8.63%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%