Bank Leumi le- Israel B.M (BLMIF) fair value: what the stock is really worth
We calculate from audited financials what Bank Leumi le- Israel B.M is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range $1.56 – $26.81 · fair‑value band $22.65 – $58.22 · the $26.00 price screens below the $30.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
Bank Leumi le-Israel B.M., together with its subsidiaries, provides banking and financial services for households, small and medium enterprises, and corporations in Israel, the United Kingdom, and internationally.
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Bank Leumi le-Israel B.M., together with its subsidiaries, provides banking and financial services for households, small and medium enterprises, and corporations in Israel, the United Kingdom, and internationally. The company provides banking services, including Retail Banking, Small Businesses, and Private Banking to retail customers and small businesses; mortgages, loans intended to purchase residential apartments or loans; commercial services that offers banking and financial services to middle-market companies; and corporate banking which provides banking and financial services to large Israeli corporations and international corporations. It also offers real estate services to construction and real estate sector; capital markets, manages assets and liabilities and management of investments in financial assets. Bank Leumi le-Israel B.M. was founded in 1902 and is headquartered in Tel Aviv-Yafo, Israel.
Stock analysis
Bank Leumi le- Israel B.M (BLMIF) currently trades at $26.00, while our model-based Fair Value estimate is $30.35, implying the stock looks roughly 14.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $64.41 per share, and 6 of the 6 models we run sit above the $26.00 price.
Bear case: the Asset-Based group reads lowest at $30.83, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $22.65 (bear) to $58.22 (bull), the price of $26.00 sits inside 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 54/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bank Leumi le- Israel B.M reported revenue of 44.6B ILS in FY2025 versus 16.8B ILS in FY2021, a compound +27.6%/yr. Reported net income was 10.2B ILS in FY2025, compounding +14.1%/yr from FY2021.
Key figures
Market cap $33.7B · P/E ratio 11.1 · P/S ratio 2.55 · EPS (TTM) $2.34 · Dividend yield 11.6% · Net margin 22.9% · Return on equity 15.4% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 56% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at 17%, BLMIF screens cheaper than that median.
Fair Value models
Bear $22.65Fair Value $30.35Bull $58.22
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($1.65 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.Evidence ⓘEvidence = 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.91/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.6%
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.
+25.0%
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.
+25.3%
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.
+5.8%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+61.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+49.4%
Dividend (yield on the price)11.6%
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.57% vs 28%, 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.24% → 36%
2025 sits 332% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
News mood ⓘNews mood, the average tone of recent news (100 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Negative
Recent news coverage is more negative than average.
Compare Bank Leumi le- Israel B.M with another stock
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 · 1077 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside−2% · Above median
Profitability
Return on equity (TTM)15% · Top 25%
Return on assets1% · Above median
Net margin (TTM)46% · Top 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth−1% · Bottom 25%
Dividend yield (TTM)11.6% · Top 25%
Balance sheet
Debt / equity0.29× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bank Leumi le- Israel B.M Fair Value". https://www.fairvalue-calculator.com/stock/BLMIF
Frequently asked questions
Is Bank Leumi le- Israel B.M (BLMIF) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of $30.35 versus a price of $26.00, about +17% upside (undervalued).
What is the fair value of BLMIF?
Our model-based fair value for Bank Leumi le- Israel B.M is $30.35 (as of Sep 13, 2026), built from audited fundamentals. The current price: $26.00.
What is the quality score of BLMIF?
Bank Leumi le- Israel B.M has a Quality Score of 54/100. 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 Bank Leumi le- Israel B.M (BLMIF)?
Our model-based price target is the fair value of $30.35 (as of Sep 13, 2026) from 6 valuation models. Cautious scenario $22.65, optimistic scenario $58.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Leumi le- Israel B.M stock forecast for 2026?
Our models put fair value at $30.35, about +17% upside versus a price of $26.00 (undervalued). Cautious scenario $22.65, optimistic scenario $58.22. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Leumi le- Israel B.M (BLMIF)?
Bank Leumi le- Israel B.M reported trailing-twelve-month revenue of about $22.4B (latest available figure, as of Sep 13, 2026).
Does Bank Leumi le- Israel B.M pay a dividend?
Bank Leumi le- Israel B.M currently shows a dividend yield of about 11.59% relative to its recent price (as of Sep 13, 2026).
What growth is priced into Bank Leumi le- Israel B.M (BLMIF)?
For today's price to be fair in a discounted-cash-flow model, Bank Leumi le- Israel B.M would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +25.3 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of BLMIF use?
Our models discount Bank Leumi le- Israel B.M at 8.1 %: a base by market capitalisation (large), damped by beta 0.37, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank Leumi le- Israel B.M that is less than minus 40 % per year a year over ten years, using the same discount rate (8.1 %) and the same formula as our fair value.
How much growth has Bank Leumi le- Israel B.M (BLMIF) delivered so far?
Over the past 5 years revenue at Bank Leumi le- Israel B.M grew +25.3 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank Leumi le- Israel B.M (BLMIF) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Bank Leumi le- Israel B.M (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank Leumi le- Israel B.M (BLMIF)?
The free-cash-flow yield on the price is 42.97 %: that much free cash flow Bank Leumi le- Israel B.M produces per unit of market value. When it exceeds the discount rate of our models (8.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank Leumi le- Israel B.M (BLMIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Leumi le- Israel B.M it is $30.35 per share (as of Sep 13, 2026), against a price of $26.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank Leumi le- Israel B.M stock overvalued or undervalued in 2026?
As of Sep 13, 2026, BLMIF trades below its calculated fair value: price $26.00, fair value $30.35, a gap of about +17% (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 BLMIF?
No. The price is what the market pays today ($26.00); the fair value is what the company's own numbers justify ($30.35). For Bank Leumi le- Israel B.M the two are $4.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Leumi le- Israel B.M worth?
The market values Bank Leumi le- Israel B.M at about $33.7B (market capitalisation, as of Sep 13, 2026). Per share that is $26.00; our models calculate a fair value of $30.35 per share.
What do the bullish and bearish scenarios say about BLMIF?
Our models span a range for Bank Leumi le- Israel B.M: cautious scenario $22.65, base $30.35, optimistic $58.22 per share (as of Sep 13, 2026, price $26.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BLMIF?
Bank Leumi le- Israel B.M trades at a price-to-earnings ratio of 11.1 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $30.35 is built from several models across several years. Other multiples: P/B 0.5, P/S 1.5.
How solid is the balance sheet of Bank Leumi le- Israel B.M (BLMIF)?
Balance-sheet figures for Bank Leumi le- Israel B.M (as of Sep 13, 2026): return on equity 15.4%, debt of 0.29 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is BLMIF from its 52-week high?
Bank Leumi le- Israel B.M trades at $26.00, about 3% below its 52-week high of $26.81 and 56% above the low of $16.62 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $30.35 is for.
Which stocks are comparable to Bank Leumi le- Israel B.M?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Bank Leumi le- Israel B.M stock attractive at the current price?
The data as of Sep 13, 2026: price $26.00, calculated fair value $30.35 (+17%), Quality Score 54/100, 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 BLMIF calculated?
We run Bank Leumi le- Israel B.M through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $30.35, 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 15.8 % above its aggregate fair value. Bank Leumi le- Israel B.M currently trades 17 % 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 should I pay attention to with Bank Leumi le- Israel B.M right now?
A fairly wide model range ($22.65 to $58.22) leaves room in how you read the outcome. 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 Bank Leumi le- Israel B.M (BLMIF) come from?
Earnings per share at Bank Leumi le- Israel B.M grew +19.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +15.8 %, EBIT margin +3.0 %, tax rate +0.8 %, residual (interest, one-offs) −0.5 %. 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 Bank Leumi le- Israel B.M
How large is the market capitalisation of Bank Leumi le- Israel B.M (BLMIF)?
The market capitalisation of Bank Leumi le- Israel B.M is $33.7B. 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 Bank Leumi le- Israel B.M (BLMIF)?
The price-to-sales ratio of Bank Leumi le- Israel B.M is 2.55 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Leumi le- Israel B.M (BLMIF)?
Earnings per share at Bank Leumi le- Israel B.M are $2.34 (price ÷ EPS = P/E 11.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Leumi le- Israel B.M (BLMIF)?
The dividend yield of Bank Leumi le- Israel B.M is 11.6% (payout 129%). 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 Bank Leumi le- Israel B.M (BLMIF)?
The net margin of Bank Leumi le- Israel B.M is 22.9% (fiscal year 2025). 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 Bank Leumi le- Israel B.M (BLMIF)?
The return on equity (ROE) of Bank Leumi le- Israel B.M is 15.4% (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 Bank Leumi le- Israel B.M (BLMIF)?
On an EBIT basis the return on assets of Bank Leumi le- Israel B.M is 1.7% (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.
How fast is revenue growing at Bank Leumi le- Israel B.M (BLMIF)?
Revenue at Bank Leumi le- Israel B.M is growing −0.6% versus a year earlier (3y avg +25.0%). 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 Bank Leumi le- Israel B.M (BLMIF)?
Earnings per share at Bank Leumi le- Israel B.M are growing −1.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Bank Leumi le- Israel B.M (BLMIF) hold?
Bank Leumi le- Israel B.M holds more cash than debt, $51.9B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 13, 2026