Fibi Bank (FIBI) AI Stock Analysis

• Market Cap: 26.59B
• Dividend Yield: 4.49%
• Average Volume (3M): 134.17K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 1.13
• 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: 94,097
• 30 Day Avg. Volume: 134,166
• 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): 2.05T

• Rating: 79 Outperform
• Price Target: 28,304.00 ▲(16.38% Upside)

Fibi Bank's strong financial performance, characterized by robust revenue growth and a debt-free balance sheet, is the primary driver of its stock score. The technical analysis supports a bullish outlook, though caution is advised due to potential short-term overbought conditions. The valuation is attractive with a reasonable P/E ratio and a solid dividend yield, making it appealing for both growth and income investors.

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 exhibits strong financial health with solid revenue growth, increasing profitability, and a robust balance sheet devoid of debt. The cash flow statement underscores reliable cash generation capabilities. While minor fluctuations in operating efficiency were noted, the overall financial trajectory is positive, positioning the bank well within the regional banking sector.

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	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: Negative
• RSI: Negative
• STOCH: Negative

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 25195.34, above the 50-day MA of 24041.37, and above the 200-day MA of 21775.05, indicating a bullish trend. The MACD of 670.48 indicates Negative momentum. The RSI at 71.54 is Negative, neither overbought nor oversold. The STOCH value of 84.71 is Negative, 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	107.79B	10.70	15.67%	3.62%	6.95%	12.41%
MZTF	80 Outperform	61.63B	11.11	16.87%	4.07%	11.00%	6.03%
POLI	80 Outperform	99.05B	10.80	15.13%	3.48%	19.05%	18.98%
FIBI	79 Outperform	26.59B	11.46	16.48%	4.49%	14.16%	1.05%
DSCT	79 Outperform	$44.01B	10.25	13.10%	3.75%	14.48%	4.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%