Fibi Bank (FIBI) AI Stock Analysis

• Market Cap: ₪25.73B
• Dividend Yield: 4.57%
• Average Volume (3M): 121.59K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.99
• 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.

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.

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 structur...

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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 structur...

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...

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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...

Fibi Bank Financial Statement Overview

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: Positive
• Last Price: 24320.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• 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 25420.18, below the 50-day MA of 26603.30, and above the 200-day MA of 24121.39, indicating a neutral trend. The MACD of -492.02 indicates Negative momentum. The RSI at 50.02 is Neutral, neither overbought nor oversold. The STOCH value of 69.25 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	70 Outperform	₪111.10B	10.95	15.67%	3.70%	6.95%	12.41%
POLI	69 Neutral	₪105.12B	10.79	15.13%	3.54%	19.05%	18.98%
MZTF	68 Neutral	₪63.53B	11.26	16.87%	4.11%	11.00%	6.03%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
DSCT	63 Neutral	₪42.64B	10.36	13.10%	3.69%	14.48%	4.65%
FIBI	62 Neutral	₪25.73B	11.39	15.81%	4.57%	14.16%	1.05%