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STOCK COMPARISON

DBS Group Holdings vs First International Bank of Israel: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and First International Bank of Israel (FIBI) compare, as of Sep 29, 2026.

As of Sep 29, 2026, Fair Value Calculator sees First International Bank of Israel as the less overvalued of the two: DBS Group Holdings trades at S$78.11 versus a fair value of S$40.39 (−48.3%), while First International Bank of Israel trades at ILS 231 versus ILS 189 (−18.2%).
DBS Group Holdings
D05.SG · SGD · Financials
−48.3%
upside to fair value
overvalued
PriceS$78.11
Fair ValueS$40.39
Quality65/100
First International Bank of Israel
FIBI.TA · ILA · Financials
−18.2%
upside to fair value
overvalued
PriceILS 231
Fair ValueILS 189
Quality68/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

DBS Group HoldingsFirst International Bank of Israel
Valuation
20.0×P/E (TTM)10.7×
17.6×Forward P/E (FY2027)n/a
9.78×P/S (TTM)3.40×
3.22×P/B1.58×
2.63×PEGn/a
−48.3%Fair value upside−18.2%
3.6%Dividend yield5.2%
S$2.85Dividend per shareILS 11.91
Profitability
60.7%Operating margin57.1%
0.99×EBIT margin trend (5Y)1.02×
16.2%Return on equity14.8%
1.2%Return on assets0.8%
Growth
6.8%Revenue growth (YoY)-3.0%
11.6%Avg. growth/yr (3Y)28.0%
9.4%Avg. growth/yr (5Y)26.7%
+12.6%Value creation/yr+26.4%
Balance & size
0.6×Interest coverage (EBIT/interest)0.5×
0.69×Debt / equity0.25×
$173BMarket cap$8B
healthyGrowth qualityhealthy
Forward P/E: price divided by the analyst consensus for the first fiscal year that has not started yet. The current year carries special items from quarters already reported.

First International Bank of Israel leads: 3 to 10 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

DBS Group Holdingsof which business quality 61 · market factors 95 First International Bank of Israelof which business quality 67 · market factors 53
ProfitabilityMargins and returns on capital today
38
31
Quality GrowthAre margins and returns improving?
54
39
CashflowEarnings quality: real cash, not paper profit
84
80
Fin. StrengthBalance sheet, leverage, solvency risk
56
100
InvestmentDisciplined investing over empire-building
78
60
Low VolatilityCalm price path (market factor)
100
88
MomentumPrice trend over the last 3–12 months (market factor)
89
41
52W MomentumDistance to the 52-week high (market factor)
99
33
Net IssuanceShare count: buybacks or dilution?
65
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyDBS Group HoldingsPrice S$78.11First International Bank of IsraelPrice ILS 231
Dividend Discount−35.4%below the priceS$50.43−15.8%below the priceILS 194
Multiples−46.3%below the priceS$41.94+7.7%close to the priceILS 248
Asset-Based−79.2%below the priceS$16.22−57.7%below the priceILS 97.62
Economic Profit−60.1%below the priceS$31.19−20.3%below the priceILS 184
Minimum−79.2%below the priceS$16.22−57.7%below the priceILS 97.62
Maximum−35.4%below the priceS$50.43+7.7%close to the priceILS 248
Median−53.2%below the priceS$36.57−18.0%below the priceILS 189
Geometric mean−58.8%below the priceS$32.16−25.7%below the priceILS 172

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

DBS Group Holdings: 6 of 6 models see the stock below the current price.

First International Bank of Israel: 5 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

DBS Group Holdings
Price S$78.11
Fair Value S$40.39
Bear S$29.31Bull S$50.48
First International Bank of Israel
Price ILS 231
Fair Value ILS 189
Bear ILS 143Bull ILS 273

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

DBS Group Holdings · Financials

Quality score65 · Top 25%
Fair value upside−48.3% · bottom 25%

First International Bank of Israel · Financials

Quality score68 · Top 25%
Fair value upside−18.2% · below median

Bottom line

As of Sep 29, 2026, Fair Value Calculator sees First International Bank of Israel as the less overvalued of the two: DBS Group Holdings trades at S$78.11 versus a fair value of S$40.39 (−48.3%), while First International Bank of Israel trades at ILS 231 versus ILS 189 (−18.2%).

First International Bank of Israel has the higher quality score (68/100).

Open First International Bank of Israel live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.