Fibi Bank (FIBI) AI Stock Analysis

• Market Cap: $21.51B
• Dividend Yield: 5.07%
• Average Volume (3M): 185.68K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 1.18
• Revenue Growth: 14.92%
• EPS Growth: 9.16%
• Country: IL
• Employees: 3,507
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 528.00
• Shares Outstanding: 100,330,040
• 10 Day Avg. Volume: 177,783
• 30 Day Avg. Volume: 185,683
• PEG Ratio: 0.45
• Price to Book (P/B): 1.32
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.28
• 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

• Rating: 84 Outperform
• 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 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 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

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

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

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 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
6.56B	6.12B	5.25B	4.39B	4.00B
	Gross Profit
6.56B	6.46B	5.25B	4.39B	4.00B
	EBIT
3.75B	3.96B	3.91B	2.13B	1.12B
	EBITDA
0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
2.37B	2.17B	1.67B	1.41B	750.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
77.17B	67.56B	57.13B	57.37B	57.80B
	Total Assets
248.56B	221.59B	195.96B	180.47B	167.78B
	Total Debt
0.00	5.13B	5.13B	3.72B	4.78B
	Net Debt
-77.17B	-68.87B	-52.00B	-53.65B	-53.02B
	Total Liabilities
234.48B	208.95B	184.92B	170.03B	158.24B
	Stockholders Equity
13.43B	12.07B	10.56B	10.00B	9.14B
Cash Flow		Free Cash Flow
1.23B	1.15B	3.26B	-1.27B	465.00M
	Operating Cash Flow
1.47B	1.33B	3.43B	-1.10B	625.00M
	Investing Cash Flow
-10.15B	-8.73B	-14.40B	-10.68B	-6.04B
	Financing Cash Flow
18.17B	19.34B	10.04B	11.80B	25.65B

Fibi Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 21390.00
• 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 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FIBI	84 Outperform	$21.51B	9.22	17.88%	5.07%	14.92%	9.16%
Sector *	64 Neutral	$12.83B	9.78	7.78%	16985.64%	12.26%	-7.81%
BLMIF		$24.41B	9.67	15.61%	3.18%	―	―
ISDAF		$10.26B	8.87	13.82%	3.48%	―	―
MZTFF		$14.59B	6.04	18.08%	6.65%	―	―
BKHPF		$21.90B	10.10	14.26%	2.77%	―	―
JBNK		1.35B	8.64		3.35%	―	―

Fibi Bank Corporate Events

Meitav Investments Ceases to be Interested Party in Fibi Bank

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.