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Fibi Bank
(TASE:FIBI)
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Rating:58Neutral
Price Target:
22,162.00
▼(-8.87% Downside)
Action:Reiterated
Date:05/19/26
The score is held back primarily by weakening recent financial quality (TTM revenue decline, higher leverage, weaker cash-flow conversion) and bearish technical signals (below key moving averages with negative MACD). These risks are partially offset by relatively attractive valuation metrics, including a high dividend yield and moderate P/E.
Positive Factors
Return on equity and profitability
Sustained ROE near 16% indicates the bank generates above-average returns on capital, supporting dividend capacity and internal capital formation. Over months this underpins resilience to earnings variability and provides room for reinvestment or shareholder distributions without immediate capital raises.
Negative Factors
Declining revenue trend
A 30% TTM revenue contraction represents a material deterioration in top-line momentum that can persistently erode earnings capacity and margin leverage. If sustained, it limits reinvestment, heightens reliance on cost cuts, and raises the risk that profitability and growth targets become harder to achieve.
Read all positive and negative factors
Positive Factors
Negative Factors
Return on equity and profitability
Sustained ROE near 16% indicates the bank generates above-average returns on capital, supporting dividend capacity and internal capital formation. Over months this underpins resilience to earnings variability and provides room for reinvestment or shareholder distributions without immediate capital raises.
Read all positive factors
Fibi Bank (FIBI) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪22.39B
Dividend Yield4.57%
Average Volume (3M)121.59K
Price to Earnings (P/E)10.1
Beta (1Y)0.94
Revenue Growth21.26%
EPS Growth-5.22%
CountryIL
Employees3,461
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)22.04
Shares Outstanding100,297,226
10 Day Avg. Volume93,009
30 Day Avg. Volume121,595
Financial Highlights & Ratios
PEG Ratio-2.39
Price to Book (P/B)1.72
Price to Sales (P/S)1.81
P/FCF Ratio8.47
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₪28,000.00Price Target Upside15.13% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Fibi Bank Business Overview & Revenue Model
Company Description
First International Bank of Israel Ltd. engages in the provision of financial and banking services. It operates through the following segments: Banking Division-Mortgages, Banking Division-Household, Banking Division-Private Banking, Banking Divis...
How the Company Makes Money
FIBI primarily makes money through (1) net interest income—earning interest on loans and other interest-earning assets and paying interest on customer deposits and other funding, with the spread between these rates forming a core revenue source; a...
Fibi Bank Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
62
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.83B | 13.87B | 12.92B | 11.35B | 6.62B | 4.75B |
| Gross Profit | 6.88B | 6.90B | 6.56B | 6.46B | 5.26B | 4.39B |
| EBITDA | 3.78B | 3.78B | 3.98B | 3.42B | 2.71B | 2.29B |
| Net Income | 2.21B | 2.26B | 2.37B | 2.17B | 1.67B | 1.41B |
Balance Sheet | ||||||
| Total Assets | 272.60B | 277.83B | 248.56B | 221.59B | 195.96B | 180.47B |
| Cash, Cash Equivalents and Short-Term Investments | 70.44B | 83.78B | 77.17B | 68.87B | 57.13B | 57.37B |
| Total Debt | 15.59B | 12.80B | 4.82B | 5.13B | 5.13B | 3.71B |
| Total Liabilities | 257.53B | 262.63B | 234.48B | 208.95B | 184.92B | 170.03B |
| Stockholders Equity | 14.46B | 14.61B | 13.43B | 12.07B | 10.56B | 10.00B |
Cash Flow | ||||||
| Free Cash Flow | 1.01B | 2.97B | 1.23B | 1.15B | 3.26B | -1.27B |
| Operating Cash Flow | 1.13B | 3.04B | 1.47B | 1.33B | 3.43B | -1.10B |
| Investing Cash Flow | -22.22B | -21.58B | -10.15B | -8.73B | -14.40B | -10.68B |
| Financing Cash Flow | 14.87B | 25.44B | 18.17B | 19.34B | 10.04B | 11.80B |
Fibi Bank Technical Analysis
Neutral
24320.00
Price Trends
23072.24
Negative
24510.98
Negative
24262.77
Negative
Market Momentum
-203.33
Negative
53.73
Neutral
78.60
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 above the 20-day moving average (MA) of 21758.50, above the 50-day MA of 23072.24, and above the 200-day MA of 24262.77, indicating a neutral trend. The MACD of -203.33 indicates Negative momentum. The RSI at 53.73 is Neutral, neither overbought nor oversold. The STOCH value of 78.60 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₪54.88B | 9.83 | 16.87% | 4.11% | 12.78% | 1.42% | |
67 Neutral | ₪100.57B | 9.99 | 15.67% | 3.70% | 17.99% | 9.86% | |
64 Neutral | ₪37.50B | 9.34 | 13.10% | 3.69% | 22.83% | -5.05% | |
64 Neutral | ₪91.84B | 9.81 | 15.13% | 3.54% | 20.24% | 17.76% | |
58 Neutral | ₪22.39B | 10.13 | 15.81% | 4.57% | 21.26% | -5.22% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:FIBI
Fibi Bank
22,580.00
-380.67
-1.66%
IL:LUMI
Leumi
6,890.00
936.53
15.73%
IL:DSCT
Discount
3,095.00
-90.60
-2.84%
IL:MZTF
Mizrahi Tefahot
21,470.00
514.18
2.45%
IL:POLI
Poalim
7,067.00
914.09
14.86%
IL:JBNK
Jerusalem
2,174.00
-94.49
-4.17%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.