Bank Hapoalim B.M (BKHPF) Fair Value & Analysis
Financial Services · US · Market cap $35.3B
Bank Hapoalim B.M
BKHPF · US
Strengths
Risks
Fair value as of: Aug 19, 2026
From 6 valuation models · updated 7 days ago
Share price +9.5% over the past month.
A solid business, trading 45% below our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case ($34.50). The market is more pessimistic than our downside scenario.
- Solid quality (65/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year. As of Aug 19, 2026.
How to read this chart
60‑month range $2.76 – $26.95 · fair‑value band $34.50 – $57.50 · the $25.19 price screens below the $46.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Aug 19, 2026.
Analysis
Bank Hapoalim B.M (BKHPF) currently trades at $25.19, while our model-based Fair Value estimate is $46.00, implying the stock looks roughly 82.6% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Bank Hapoalim B.M generated revenue of $23.1B at a net margin of 40.8%. Revenue grew 0.9% year over year. It earns a return on equity of 15.1%. Net debt stands at $119M. Fundamentals as of Aug 19, 2026
Our scenario range runs from $34.50 (bear case) to $57.50 (bull case); at $25.19, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 7% below its 52-week high and 49% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -9% fair-value upside, at 83%, BKHPF screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($68.86) versus Asset-Based ($32.95). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 62 · Market factors (momentum, volatility) 83
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial services in Israel, North America, Europe, and internationally. It operates through Households, Private Banking, Small Businesses and Microbusinesses, Mid-sized Businesses, Large Businesses, Institutional Entities, Financial Management, and Other segments.
Full company description
Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial services in Israel, North America, Europe, and internationally. It operates through Households, Private Banking, Small Businesses and Microbusinesses, Mid-sized Businesses, Large Businesses, Institutional Entities, Financial Management, and Other segments. The company offers account-management services, lending for various purposes, deposits and savings plans, and capital-market services; housing loans; research and advisory services; and pension advisory and retirement planning services. It also provides products and services for the expansion of a business, advanced digital services, and a service center; credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, and securities. In addition, the company offers financial products, including foreign-trade financing, financing of working capital, financing of assets overseas, complex financing transactions, syndication, and credit-risk transfers; and financing of construction projects, granting credit to customers, and issuing various types of guarantees to buyers of homes. Further, it provides managers of mutual funds, managers of investment portfolios, and managers of provident funds, study funds, and pension funds; trading activities; securities advising, underwriting, and distribution services; and brokerage and custody services. The company serves households, private-banking customers, foreign residents, small businesses, middle-market business clients, and large corporations, as well as financial-asset, mutual funds, investment portfolios, provident funds, study funds, and pension funds managers. Bank Hapoalim B.M. was incorporated in 1921 and is based in Tel Aviv-Yafo, Israel.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bank Hapoalim B.M reported revenue of $42.8B in FY2025 versus $16.2B in FY2021, a compound +27.4%/yr. Reported net income was $9.8B in FY2025, compounding +18.7%/yr from FY2021.
of which total revenue +10.8 pp · buybacks/dilution +3.2 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Bank Hapoalim BM (BKHPF) (Q2 2026) Earnings Call Highlights: Strong Profit Growth and Robust ...
- Bank Hapoalim Announces 2026 Second Quarter Results
- Bank Hapoalim BM (BKHPF) Q1 2026 Earnings Call Highlights: Strong Profit Growth and Strategic ...
- Bank Hapoalim Announces First Quarter 2026 Results
Peer Group
Banks - Regional · 1090 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.85 SGD | 40.48 SGD | -47% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.92 | €6.06 | -12% |
| HDFC Bank Limited HDB | $23.17 | $23.73 | +2% |
| BNP Paribas SA BNP | €112.00 | €144.64 | +29% |
| UniCredit S.p.A UCG | €84.75 | €77.62 | -8% |
| Mizuho Financial Group MFG | $10.87 | $9.85 | -9% |
| ICICI Bank Limited ICICIBANK | ₹1,432 | ₹835.21 | -42% |
| CaixaBank, S.A CABK | €12.91 | €8.85 | -31% |
| Oversea-Chinese Banking Corporation O39 | 31.19 SGD | 19.80 SGD | -37% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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