Fibi Bank (FIBI) AI Stock Analysis

• Market Cap: ₪26.51B
• Dividend Yield: 4.57%
• Average Volume (3M): 121.59K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.11
• Revenue Growth: 14.16%
• EPS Growth: 1.05%
• Country: IL
• Employees: 3,507
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 579.10
• Shares Outstanding: 100,330,040
• 10 Day Avg. Volume: 93,009
• 30 Day Avg. Volume: 121,595
• PEG Ratio: 0.83
• Price to Book (P/B): 1.34
• Price to Sales (P/S): 1.39
• P/FCF Ratio: 14.59
• 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: ₪28,000.00
• Price Target Upside: 15.13% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): ₪2.02T

• Rating: 69 Neutral
• Price Target: 29,018.00 ▲(19.32% Upside)

Fibi Bank's strong financial performance, particularly in revenue growth and profitability, is a key strength. The stock's valuation is attractive with a reasonable P/E ratio and a solid dividend yield. However, technical indicators suggest the stock may be overbought, posing a risk of short-term price correction. Addressing cash flow challenges will be crucial for sustaining long-term growth.

Positive Factors

Revenue Growth

The significant revenue growth indicates robust business expansion and effective market penetration, supporting long-term financial stability.

Operational Efficiency

High profit margins reflect efficient operational management, which can sustain profitability and competitive positioning over time.

Balance Sheet Health

Prudent leverage management ensures financial flexibility and reduces risk, supporting long-term growth and stability.

Negative Factors

Cash Flow Challenges

Declining free cash flow growth indicates potential liquidity issues, which could constrain investment and operational capabilities.

Debt Increase

Rising debt levels can increase financial risk and interest obligations, potentially impacting long-term financial health.

Net Profit Margin Decline

A declining net profit margin may indicate rising costs or pricing pressures, which could affect future profitability.

Fibi Bank Business Overview & Revenue Model

Company Description

Fibi Bank (FIBI) is a modern financial institution that specializes in providing a wide range of banking services, including personal banking, business banking, and digital financial solutions. Operating primarily in the retail banking sector, Fibi Bank offers core products such as savings and checking accounts, personal loans, credit cards, and mortgage services, as well as innovative digital banking platforms that cater to tech-savvy customers. With a commitment to enhancing customer experience through technology, Fibi Bank aims to streamline financial transactions and offer personalized financial advice.

How the Company Makes Money

Fibi Bank generates revenue through multiple key streams. The primary source of income comes from the interest margin, which is the difference between the interest earned on loans and the interest paid on deposits. Additionally, the bank earns fees from various services, including account maintenance fees, transaction fees, and charges for overdrafts and late payments. Fibi Bank also offers investment products and wealth management services that contribute to its revenue. Strategic partnerships with fintech companies enhance its digital offerings and drive customer acquisition, while cross-selling products to existing customers further bolsters its earnings.

Fibi Bank Financial Statement Overview

Summary

Fibi Bank shows strong revenue growth and profitability, supported by efficient operational management. The balance sheet is solid with moderate leverage and strong return on equity. However, cash flow challenges, particularly in free cash flow generation, pose potential risks. Overall, the bank is in a strong financial position but should address cash flow issues to sustain growth.

Income Statement

Fibi Bank has demonstrated strong revenue growth with a TTM increase of 96.9%, indicating robust expansion. The gross profit margin remains healthy at approximately 50.7%, and the net profit margin is solid at 17.5%. However, there is a slight decline in net profit margin compared to the previous year. EBIT and EBITDA margins are stable, reflecting efficient operational management.

Balance Sheet

The bank maintains a moderate debt-to-equity ratio of 0.32, suggesting prudent leverage management. Return on equity is strong at 17.3%, indicating effective use of shareholder funds. The equity ratio is stable, reflecting a solid capital structure. However, the increase in total debt over the past year warrants monitoring.

Cash Flow

Cash flow performance is mixed, with a significant decline in free cash flow growth rate at -202.1% TTM, indicating potential liquidity challenges. The operating cash flow to net income ratio is low, suggesting cash flow generation issues. However, the free cash flow to net income ratio remains high, indicating that the bank is still generating cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	13.64B	12.92B	11.35B	6.62B	4.75B	4.25B
Gross Profit	6.86B	6.56B	6.46B	5.26B	4.39B	4.00B
EBITDA	4.08B	3.98B	3.42B	2.71B	2.29B	1.29B
Net Income	2.32B	2.37B	2.17B	1.67B	1.41B	750.00M
Balance Sheet
Total Assets	269.50B	248.56B	221.59B	195.96B	180.47B	167.78B
Cash, Cash Equivalents and Short-Term Investments	81.92B	77.17B	68.87B	57.13B	57.37B	57.80B
Total Debt	5.84B	4.82B	5.13B	5.13B	3.71B	4.78B
Total Liabilities	254.27B	234.48B	208.95B	184.92B	170.03B	158.24B
Stockholders Equity	14.54B	13.43B	12.07B	10.56B	10.00B	9.14B
Cash Flow
Free Cash Flow	-1.82B	1.23B	1.15B	3.26B	-1.27B	465.00M
Operating Cash Flow	-1.63B	1.47B	1.33B	3.43B	-1.10B	625.00M
Investing Cash Flow	-17.23B	-10.15B	-8.73B	-14.40B	-10.68B	-6.04B
Financing Cash Flow	20.71B	18.17B	19.34B	10.04B	11.80B	25.65B

Fibi Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24320.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:FIBI, the sentiment is Positive. The current price of 24320 is below the 20-day moving average (MA) of 26268.00, below the 50-day MA of 25785.00, and above the 200-day MA of 22986.32, indicating a bullish trend. The MACD of 220.66 indicates Positive momentum. The RSI at 53.89 is Neutral, neither overbought nor oversold. The STOCH value of 39.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:FIBI.

Fibi Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LUMI	80 Outperform	$110.71B	11.02	15.67%	3.70%	6.95%	12.41%
MZTF	80 Outperform	₪63.27B	11.41	16.87%	4.11%	11.00%	6.03%
DSCT	75 Outperform	₪44.83B	10.44	13.10%	3.69%	14.48%	4.65%
FIBI	69 Neutral	₪26.51B	11.42	16.48%	4.57%	14.16%	1.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
POLI	64 Neutral	₪100.95B	11.02	15.13%	3.54%	19.05%	18.98%