Fibi Bank (FIBI) AI Stock Analysis

• Market Cap: ₪26.49B
• Dividend Yield: 4.57%
• Average Volume (3M): 121.59K
• Price to Earnings (P/E): 11.7
• Beta (1Y): 1.01
• Revenue Growth: 14.16%
• EPS Growth: 1.05%
• Country: IL
• Employees: 3,507
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 510.30
• 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: 62 Neutral
• Price Target: 28,291.00 ▲(16.33% Upside)
• Action: Reiterated Date: 03/13/26
• Date: Action: Reiterated 03/13/26

The score is driven primarily by solid fundamental profitability and growth, tempered by higher leverage and inconsistent cash-flow quality. Valuation is supportive with a modest P/E and strong dividend yield, while technical signals are currently weak (below key moving averages with negative MACD), limiting the overall score.

Positive Factors

Strong revenue growth

Sustained, large revenue expansion indicates durable business-side growth and successful scaling of activities. Over months this supports investment in systems, branch and digital channels, and provides a broader base to absorb cyclical shocks and fund strategic initiatives.

Solid profitability and ROE

Mid-teens ROE and a double-digit net margin demonstrate the bank's ability to convert revenue into shareholder returns. This profitability profile supports internal capital generation, dividend capacity and reinvestment, aiding long-term franchise resilience.

Diversified banking franchise

A broad client base across retail, commercial and corporate segments diversifies deposit and fee pools and reduces reliance on any single market. This structural mix supports stable funding, cross-sell opportunities and resilience across economic cycles.

Negative Factors

Rising and volatile leverage

A sharp increase in leverage materially raises funding and refinancing risk and reduces balance-sheet flexibility. Over months this heightens sensitivity to rising funding costs, can constrain lending capacity, and may pressure capital ratios under stress scenarios.

Meaningful margin compression

Sustained margin erosion signals weakening pricing power or rising funding/operating costs. This structural compression reduces earnings leverage on revenue growth, making profitability more rate- and cycle-sensitive and limiting long-term ROE upside.

Inconsistent cash generation

Volatile operating and free cash flows undermine predictability of internal funding for loans, capital expenditures and dividends. Over a multi-month horizon this increases reliance on external funding and raises execution risk for strategic initiatives.

Fibi Bank Business Overview & Revenue Model

Company Description

First 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 Money

FIBI primarily makes money through net interest income and fee-based income. Net interest income is earned from the spread between interest received on interest-earning assets (such as loans and other credit exposures) and interest paid on funding sources (such as customer deposits and other borrowings). Fee and commission income is generated from banking services such as account and transaction services, payment processing, card-related services, and other service charges. The bank may also earn income from financial activities (e.g., results from trading and investment activities and valuation changes) and other operating income; however, a breakdown of these components, the materiality of each stream, and any significant partnerships specifically driving revenue are null because they are not provided in the prompt and cannot be confirmed here.

Fibi Bank Financial Statement Overview

Summary

Strong revenue expansion and solid profitability/ROE support the score, but it is offset by meaningful margin compression, a sharp leverage increase in 2025 (higher debt-to-equity), and highly volatile cash flows (including a negative year), which weaken overall quality and stability.

Income Statement

Revenue has expanded strongly over the period (2025 annual revenue up ~166% vs. 2024; multi-year step-up from 2020 levels), and profitability remains solid with 2025 net income of 2.26B and a healthy ~16% net margin. That said, margins have compressed meaningfully versus earlier years (net margin ~30% in 2021 down to ~16% in 2025; EBIT margin also down), and 2025 net income slipped versus 2024 despite higher revenue—suggesting profitability is becoming more rate/cycle sensitive.

Balance Sheet

The company is generating strong shareholder returns (return on equity roughly mid-teens across recent years), and equity has grown alongside assets. The main concern is leverage volatility: total debt jumped sharply in 2025 (debt-to-equity rising to ~0.88 from ~0.36 in 2024), which reduces balance-sheet flexibility and increases sensitivity to funding costs and market conditions.

Cash Flow

Cash generation is uneven. Operating cash flow and free cash flow were very strong in 2022 and improved again in 2025, but there was a notable cash flow deficit in 2021 (negative operating and free cash flow). Free cash flow growth is highly volatile (including a very large decline shown in 2025), which raises questions about the consistency and predictability of cash generation year to year.

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

Fibi Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 24320.00
• 50DMA: Negative
• 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 Neutral. The current price of 24320 is below the 20-day moving average (MA) of 27401.50, below the 50-day MA of 27301.60, and above the 200-day MA of 24301.15, indicating a neutral trend. The MACD of -359.44 indicates Positive momentum. The RSI at 43.40 is Neutral, neither overbought nor oversold. The STOCH value of 29.80 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MZTF	75 Outperform	$59.79B	10.60	16.87%	4.11%	11.00%	6.03%
LUMI	70 Outperform	$107.00B	10.53	15.67%	3.70%	6.95%	12.41%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
DSCT	66 Neutral	$41.59B	10.11	13.10%	3.69%	14.48%	4.65%
FIBI	62 Neutral	₪26.49B	11.72	15.81%	4.57%	14.16%	1.05%
POLI	62 Neutral	$101.24B	10.38	15.13%	3.54%	19.05%	18.98%