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First International Bank of Israel Ltd (IL:FIBI)
:FIBI

Fibi Bank (FIBI) AI Stock Analysis

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IL

Fibi Bank

(OTC:FIBI)

Rating:84Outperform
Price Target:
Fibi Bank's overall stock score is driven by its robust financial performance and attractive valuation. The company exhibits strong revenue growth, impressive profitability, and a solid balance sheet with no debt. Technical indicators also suggest positive momentum, though caution is advised due to potential overbought conditions. The attractive P/E ratio and substantial dividend yield make it an appealing investment in the regional banking sector.

Fibi Bank (FIBI) vs. iShares MSCI Israel ETF (EIS)

Fibi Bank Business Overview & Revenue Model

Company DescriptionFirst International Bank of Israel Ltd., together with its subsidiaries, provides various financial and banking services to individuals, households, and businesses in Israel and Western Europe. It offers deposits and savings products, and structured deposits; mortgage services; credit cards; and private banking, mobile and online banking, investment advisory, securities trading, and foreign exchange services. The company also provides solutions for importers, exporters, and international transactions; financing of capital market operations; foreign currency investment management services; services in the areas of current account management, credit, investment advice, savings, pension advice, mortgages, and others; and financial derivatives, trading rooms, and various investment products. It operates approximately 136 branches. First International Bank of Israel Ltd. cwas incorporated in 1972 and is headquartered in Tel Aviv-Yafo, Israel.
How the Company Makes MoneyFibi Bank generates revenue primarily through interest income from loans and mortgages, earning fees for various banking services such as account maintenance, transaction processing, and advisory services. Additionally, the bank profits from investment activities and wealth management services, charging clients for asset management and financial planning. Strategic partnerships with other financial institutions and technology providers enhance Fibi Bank's product offerings and expand its market reach, contributing significantly to its earnings.

Fibi Bank Financial Statement Overview

Summary
Fibi Bank demonstrates strong financial health marked by robust revenue growth, increasing profitability, and a solid balance sheet with zero debt. The impressive net profit margin and return on equity further indicate efficient operations. However, minor fluctuations in operating efficiency were noted.
Income Statement
85
Very Positive
Fibi Bank demonstrates robust revenue growth with a consistent increase from 2020 to 2024. The gross profit margin remains strong as revenue equals gross profit, indicating efficient cost management. The net profit margin improved from 18.72% in 2020 to 36.14% in 2024, signifying enhanced profitability. However, the slight decline in EBIT from 2023 to 2024 suggests potential pressures on operating efficiency.
Balance Sheet
88
Very Positive
The balance sheet is strong with zero debt in 2024, drastically reducing the debt-to-equity ratio, which shows excellent financial stability. The equity ratio improved over the years, reaching 5.40% in 2024, reflecting a solid capitalization structure. Return on equity is impressive at 19.65% in 2024, indicating efficient use of equity to generate profits.
Cash Flow
80
Positive
Free cash flow growth is positive, with consistent free cash flow over the years. The operating cash flow to net income ratio is 0.62 in 2024, suggesting a healthy conversion of income to cash. The free cash flow to net income ratio of 0.52 in 2024 indicates a stable cash generation relative to net income.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
6.56B6.12B5.25B4.39B4.00B
Gross Profit
6.56B6.46B5.25B4.39B4.00B
EBIT
3.75B3.96B3.91B2.13B1.12B
EBITDA
0.000.000.000.000.00
Net Income Common Stockholders
2.37B2.17B1.67B1.41B750.00M
Balance SheetCash, Cash Equivalents and Short-Term Investments
77.17B67.56B57.13B57.37B57.80B
Total Assets
248.56B221.59B195.96B180.47B167.78B
Total Debt
0.005.13B5.13B3.72B4.78B
Net Debt
-77.17B-68.87B-52.00B-53.65B-53.02B
Total Liabilities
234.48B208.95B184.92B170.03B158.24B
Stockholders Equity
13.43B12.07B10.56B10.00B9.14B
Cash FlowFree Cash Flow
1.23B1.15B3.26B-1.27B465.00M
Operating Cash Flow
1.47B1.33B3.43B-1.10B625.00M
Investing Cash Flow
-10.15B-8.73B-14.40B-10.68B-6.04B
Financing Cash Flow
18.17B19.34B10.04B11.80B25.65B

Fibi Bank Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price21390.00
Price Trends
50DMA
20321.86
Positive
100DMA
19566.46
Positive
200DMA
17768.33
Positive
Market Momentum
MACD
359.51
Positive
RSI
55.66
Neutral
STOCH
30.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:FIBI, the sentiment is Neutral. The current price of 21390 is below the 20-day moving average (MA) of 21681.55, above the 50-day MA of 20321.86, and above the 200-day MA of 17768.33, indicating a neutral trend. The MACD of 359.51 indicates Positive momentum. The RSI at 55.66 is Neutral, neither overbought nor oversold. The STOCH value of 30.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:FIBI.

Fibi Bank Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
84
Outperform
$21.51B9.2217.88%5.07%14.92%9.16%
64
Neutral
$12.83B9.787.78%16985.64%12.26%-7.81%
$24.41B9.6715.61%3.18%
$10.26B8.8713.82%3.48%
$14.59B6.0418.08%6.65%
$21.90B10.1014.26%2.77%
1.35B8.64
3.35%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:FIBI
Fibi Bank
21,530.00
7,758.86
56.34%
BLMIF
Leumi
16.52
8.61
108.85%
ISDAF
Discount
8.30
3.37
68.36%
MZTFF
Mizrahi Tefahot
34.68
2.28
7.04%
BKHPF
Poalim
16.62
8.00
92.81%
IL:JBNK
Jerusalem
1,965.00
787.06
66.82%

Fibi Bank Corporate Events

Meitav Investments Ceases to be Interested Party in Fibi Bank
Feb 9, 2025

Fibi Bank has announced that Meitav Investments House Ltd has ceased to be an interested party in the bank, following a decrease in shareholding due to sale on the stock exchange. The transaction involved the sale of 184,387 regular shares, which were valued at 0.05 NIS nominal each, on June 2, 2025. This change in ownership signifies a shift in the bank’s investor composition, potentially impacting its governance and market dynamics. The bank’s securities continue to be listed on the Tel Aviv Stock Exchange.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.