Jerusalem (JBNK) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Jerusalem stock ILS 21.81, price ILS 16.59, upside +31.5%, quality 61 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 6.90 ILS – 24.60 ILS · fair‑value band 19.60 ILS – 27.44 ILS · the 16.59 ILS price screens below the 21.81 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Bank of Jerusalem Ltd. provides commercial banking services in Israel.
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The company offers deposit products, such as saving, digital, and checking accounts; structured deposit products; personal loans, such as new and used car loans, and loans secured by deposits; mortgage loans; and foreign currency loans.
It also provides independent trading services on the capital markets, and investment advisory services, as well as interactive brokerage services; credits for residential construction financing, and retail SMBs; manages current accounts; and private banking services to non-residents.
The company was formerly known as Bank of Jerusalem for Development and Mortgages Ltd. and changed its name to Bank of Jerusalem Ltd. in 1996. The company was incorporated in 1963 and is headquartered in Airport City, Israel.
Bank of Jerusalem Ltd. operates as a subsidiary of Export Investment Co. Ltd.
Stock analysis
Jerusalem (JBNK) currently trades at 16.59 ILS, while our model-based Fair Value estimate is 21.81 ILS, implying the stock looks roughly 24% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 31.80 ILS per share, and 3 of the 6 models we run sit above the 16.59 ILS price.
Bear case: the Dividend Discount group reads lowest at 11.53 ILS, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 19.60 ILS (bear) to 27.44 ILS (bull), the price of 16.59 ILS sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Jerusalem reported revenue of 1.8B ILS in FY2025 versus 610M ILS in FY2021, a compound +30.3%/yr. Reported net income was 195M ILS in FY2025, compounding +7.8%/yr from FY2021.
Key figures
Market cap 1.2B ILS Small · P/E ratio 6.5 · P/S ratio 1.28 · EPS (TTM) 2.56 ILS · Dividend yield 2.9% · Net margin 19.2% · Return on equity 11.2% · Return on assets (EBIT) 1.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 32% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 31%, JBNK screens cheaper than that median.
Fair Value models
Bear19.60 ILSFair Value 21.81 ILSBull27.44 ILS
Price 16.59 ILS · Upside +31.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (1.78 ILS per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+3.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.7%
Start year 2020 (pandemic). Over 10 years: +12.7% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+19.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.8%
Dividend (yield on the price)2.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.8% vs 13.3%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 16%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Top 25%
Fair Value upside+31.5% · Top 25%
Profitability
Return on equity (12 months)11.2% · Above median
Return on assets0.8% · Below median
Net margin (12 months)19.2% · Bottom 25%
Operating margin (12 months)29.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)−9.7% · Bottom 25%
Dividend yield (12 months)2.9% · Above median
Balance sheet
Debt / equity1.34× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Jerusalem Fair Value". https://www.fairvalue-calculator.com/stock/JBNK
Frequently asked questions
Is Jerusalem (JBNK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 21.81 ILS versus a price of 16.59 ILS, about +31% upside (undervalued).
What is the fair value of JBNK?
Our model-based fair value for Jerusalem is 21.81 ILS (as of Nov 8, 2026), built from audited fundamentals. The current price: 16.59 ILS.
What is the quality score of JBNK?
Jerusalem has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Jerusalem (JBNK)?
Our model-based price target is the fair value of 21.81 ILS (as of Nov 8, 2026) from 6 valuation models. Cautious scenario 19.60 ILS, optimistic scenario 27.44 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Jerusalem stock forecast for 2026?
Our models put fair value at 21.81 ILS, about +31% upside versus a price of 16.59 ILS (undervalued). Cautious scenario 19.60 ILS, optimistic scenario 27.44 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Jerusalem (JBNK)?
Jerusalem reported trailing-twelve-month revenue of about 937M ILS (latest available figure, as of Nov 8, 2026).
Does Jerusalem pay a dividend?
Jerusalem currently shows a dividend yield of 2.87% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Jerusalem (JBNK) and when is the ex-dividend date?
Jerusalem pays a dividend of 0.476 ILS per share a year, a dividend yield of 2.9%. The last ex-dividend date was Aug 24, 2026. A dividend has been paid every year since 2013. The payout ratio is 18.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Jerusalem (JBNK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jerusalem it is 21.81 ILS per share (as of Nov 8, 2026), against a price of 16.59 ILS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Jerusalem stock overvalued or undervalued in 2026?
As of Nov 8, 2026, JBNK trades below its calculated fair value: price 16.59 ILS, fair value 21.81 ILS, a gap of about +31% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JBNK?
No. The price is what the market pays today (16.59 ILS); the fair value is what the company's own numbers justify (21.81 ILS). For Jerusalem the two are 5.22 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Jerusalem worth?
The market values Jerusalem at about 1.2B ILS (market capitalisation, as of Nov 8, 2026). Per share that is 16.59 ILS; our models calculate a fair value of 21.81 ILS per share.
What do the bullish and bearish scenarios say about JBNK?
Our models span a range for Jerusalem: cautious scenario 19.60 ILS, base 21.81 ILS, optimistic 27.44 ILS per share (as of Nov 8, 2026, price 16.59 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JBNK?
Jerusalem trades at a price-to-earnings ratio of 6.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 21.81 ILS is built from several models across several years. Other multiples: P/B 0.8, P/S 1.3.
How solid is the balance sheet of Jerusalem (JBNK)?
Balance-sheet figures for Jerusalem (as of Nov 8, 2026): return on equity 11.2%, debt of 1.34 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is JBNK from its 52-week high?
Jerusalem trades at 16.59 ILS, about 32% below its 52-week high of 24.37 ILS and 5% above the low of 15.85 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 21.81 ILS is for.
Which stocks are comparable to Jerusalem?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Jerusalem stock attractive at the current price?
The data as of Nov 8, 2026: price 16.59 ILS, calculated fair value 21.81 ILS (+31%), Quality Score 61/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of JBNK calculated?
We run Jerusalem through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 21.81 ILS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Jerusalem currently trades 24% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Jerusalem (JBNK)?
The closing price on Nov 5, 2026 was 16.59 ILS. Our model-based fair value is 21.81 ILS, about +31% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jerusalem right now?
The price is below even our cautious bear case (19.60 ILS). The market is more pessimistic than our downside scenario. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Jerusalem (JBNK) come from?
Earnings per share at Jerusalem grew +12.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.8 %, EBIT margin +3.4 %, tax rate +0.2 %, residual (interest, one-offs) −2.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Jerusalem
How large is the market capitalisation of Jerusalem (JBNK)?
The market capitalisation of Jerusalem is 1.2B ILS. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Jerusalem (JBNK)?
The price-to-sales ratio of Jerusalem is 1.28 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jerusalem (JBNK)?
Earnings per share at Jerusalem are 2.56 ILS (price ÷ EPS = P/E 6.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jerusalem (JBNK)?
The dividend yield of Jerusalem is 2.9% (payout 18.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Jerusalem (JBNK)?
The net margin of Jerusalem is 19.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Jerusalem (JBNK)?
The return on equity (ROE) of Jerusalem is 11.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Jerusalem (JBNK)?
On an EBIT basis the return on assets of Jerusalem is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Jerusalem (JBNK)?
The operating margin of Jerusalem is 29.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jerusalem (JBNK)?
Revenue at Jerusalem is growing −9.7% versus a year earlier (3y avg +29.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Jerusalem (JBNK)?
Earnings per share at Jerusalem are growing −30.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jerusalem (JBNK) generate?
The free cash flow of Jerusalem is 234M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Jerusalem (JBNK) hold?
Jerusalem holds more cash than debt, 1.5B ILS net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 8, 2026