Bank Leumi Le-Israel (IL:LUMI)
TASE:LUMI
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LUMI Stock Chart & Stats
7600.00
-0.64(-1.43%)
At close: 4:00 PM EST
7600.00
-0.64(-1.43%)
Day’s Range― - ―
52-Week Range5,155.02 - 8,006.98
Previous CloseN/A
Volume2.44M
Average Volume (3M)3.41M
Market Cap
₪110.13B
Enterprise Value30.15B
Total Cash (Recent Filing)₪148.23B
Total Debt (Recent Filing)₪52.44B
Price to Earnings (P/E)10.9
Beta0.98
Next Earnings
Aug 18, 2026EPS Estimate
151.6Next Dividend Ex-DateN/A
Dividend Yield3.7%
Share Statistics
EPS (TTM)6.84
Shares Outstanding1,476,325,700
10 Day Avg. Volume3,842,144
30 Day Avg. Volume3,405,959
Financial Highlights & Ratios
PEG Ratio1.65
Price to Book (P/B)1.54
Price to Sales (P/S)2.34
P/FCF Ratio19.90
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₪8,200.00Price Target Upside7.89% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)7.45
Revenue Forecast (FY)₪23.90B
Bulls Say, Bears Say
Bulls Say
High & Consistent ROESustained mid‑teens ROE and record net income indicate durable profitability and internal capital generation. High ROE supports organic equity growth, funds disciplined loan expansion and dividends, and strengthens resilience to cyclical earnings shocks over the medium term.
Industry‑Leading EfficiencyA sub‑30% cost‑to‑income ratio and ongoing cost reductions show structural operating leverage. Superior efficiency cushions margin pressure, lets the bank invest in digital/AI initiatives, and improves long‑term profitability even if interest margins compress.
Strong Liquidity & Diversified FundingRobust liquidity metrics, deposit growth and successful Euro covered‑bond issuance diversify funding and lower refinancing risk. Healthy LCR and conservative loan‑to‑deposit ratios support stable credit growth and reduce sensitivity to wholesale funding shocks.
Bears Say
Uneven Cash GenerationVolatile operating and free cash flow—including a negative year in 2023 and a recent TTM step‑down—reduces predictability of internal funding for dividends and buybacks. Year‑to‑year swings raise execution risk for a high payout policy and capital planning.
NIM & Fee Income PressureMargin compression from lower policy rates and negative CPI, plus weaker noninterest income from derivatives/accounting mismatches, threatens core revenue durability. If rates or trading conditions deteriorate, sustaining current profitability will be harder.
Regulatory Constraints & Elevated ProvisionsLarge excess capital is effectively constrained by the need for Bank of Israel approval, and elevated collective provisions limit immediate earnings upside. Regulatory limits and provisioning policy can delay or reduce shareholder distributions despite reported capital buffers.
Leumi News
LUMI FAQ
What was Bank Leumi Le-Israel’s price range in the past 12 months?
Bank Leumi Le-Israel lowest stock price was 5155.02 and its highest was 8006.98 in the past 12 months.
What is Bank Leumi Le-Israel’s market cap?
Bank Leumi Le-Israel’s market cap is ₪110.13B.
When is Bank Leumi Le-Israel’s upcoming earnings report date?
Bank Leumi Le-Israel’s upcoming earnings report date is Aug 18, 2026 which is in 86 days.
How were Bank Leumi Le-Israel’s earnings last quarter?
Bank Leumi Le-Israel released its earnings results on May 19, 2026. The company reported 158 earnings per share for the quarter, beating the consensus estimate of 145.9 by 12.1.
Is Bank Leumi Le-Israel overvalued?
According to Wall Street analysts Bank Leumi Le-Israel’s price is currently Undervalued.
Does Bank Leumi Le-Israel pay dividends?
Bank Leumi Le-Israel pays a Quarterly dividend of 102.038 which represents an annual dividend yield of 3.7%. See more information on Bank Leumi Le-Israel dividends here
What is Bank Leumi Le-Israel’s EPS estimate?
Bank Leumi Le-Israel’s EPS estimate is 151.6.
How many shares outstanding does Bank Leumi Le-Israel have?
Bank Leumi Le-Israel has 1,476,325,700 shares outstanding.
What happened to Bank Leumi Le-Israel’s price movement after its last earnings report?
Bank Leumi Le-Israel reported an EPS of 158 in its last earnings report, beating expectations of 145.9. Following the earnings report the stock price went up 1.707%.
Which hedge fund is a major shareholder of Bank Leumi Le-Israel?
Currently, no hedge funds are holding shares in IL:LUMI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Bank Leumi Le-Israel
Bank Leumi le-Israel B.M., together with its subsidiaries, provides banking and financial services in Israel, the United States, the United Kingdom, and internationally. It operates through Households, Private Banking, Micro Businesses, Small Businesses, Mid-market, Corporations, Institutional Entities, and Financial Management segments. It provides housing loans, collateral loans, and loans to purchasing groups, including mortgage planning, accompanying the customer through the mortgage process, and recycling existing loans; and working capital, acquisitions, and term loans, as well as credit lines; financial support to Israeli high-tech companies; equipment lease financing; credit cards; and online banking services, as well as wealth and cash management services. The company also offers international trade financing, loan syndications and participations, foreign currency time deposits, and dealing room services. In addition, it provides provident funds, mutual funds, study funds, pension funds, and insurance products; invests in marketable securities, market-making activity involving securities and derivatives, repurchase and lending transactions involving securities, short selling of securities, and securities' underwriting services; engages in asset and liability management activities; and provides trust and custodial services for banks. Further, the company engages in the activities, such as advisory services, sale and management of loan portfolios, and development of financial products. Additionally, it provides banking services to private customers and small businesses, largest and multinational corporations, and middle-market companies, as well as financial services to institutional customers and foreign banks. The company operates approximately 250 branches. Bank Leumi le- Israel B.M. was founded in 1902 and is headquartered in Tel Aviv-Yafo, Israel.
LUMI Company Deck
LUMI Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a strongly positive operating and financial performance: record net income, robust loan growth, improved asset quality, excellent efficiency, strong liquidity and investor confidence (EUR 750m covered bond, market cap milestone). Management is aggressively pursuing AI and digital initiatives to further lower costs and accelerate product delivery. Key risks include geopolitical uncertainty, downward pressure on NIM from CPI and rate declines, accounting-driven weakness in noninterest income, and the presence of a large excess capital buffer that requires regulatory engagement to fully unlock shareholder distributions. On balance, the highlights substantially outweigh the lowlights, though the business remains exposed to macro/regulatory uncertainties.View all IL:LUMI earnings summariesLUMI Stock 12 Month Forecast
Average Price Target
8,200.00
▲(7.89% Upside)