First International Bank of Israel Ltd (FIBI) Fair Value & Analysis

Financial Services · Il · Market cap 23.0B ILA

FI First International Bank of Israel Ltd FIBI · TA

Price211.60 ILA

Fair Value292.93 ILA

Upside+38.4%

Quality95/100

Evidence: High Range 219.70 ILA – 366.16 ILA

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 4 days ago

Fair value updated Jun 26, 2026 — revised from 345.75 ILA to 292.93 ILA (−15.3%) since Jun 24, 2026. Share price −12.1% over the past month.

Price vs Fair Value (12 months)

12‑month range 193.75 ILA – 289.87 ILA · fair‑value band 219.70 ILA – 366.16 ILA · the 211.60 ILA price screens below the 292.93 ILA fair value. As of Jun 26, 2026.

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Analysis

First International Bank of Israel Ltd (FIBI) currently trades at 211.60 ILA, while our model-based Fair Value estimate is 292.93 ILA — implying the stock looks roughly 38.4% undervalued today. We read business quality at 95/100 (high 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, First International Bank of Israel Ltd generated revenue of 6.9B ILA at a net margin of 32.2%. Revenue declined 1.8% year over year. It earns a return on equity of 15.7%. The balance sheet holds a net cash position of 71.0B ILA. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 6.9B ILA

Revenue growth (YoY) -1.8%

Net margin 32.2%

Return on equity 15.7%

Free cash flow 3.0B ILA FY2025

P/E ratio 10.4

More key figures

Operating margin 53.0%

EPS (TTM) 22.02 ILA

Dividend yield 0.1%

EPS growth (YoY) -9.5%

Net cash 71.0B ILA FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

First International Bank of Israel Ltd., together with its subsidiaries, provides financial and banking services to individuals, households, and businesses in Israel. The company offers deposits and savings products, and structured deposits; credit cards; mortgage services; private banking services; and mobile and online banking. It also provides capital market services, including investment advisory, securities trading, and trading systems; business banking services comprising international trade and consultancy services for investments and transactions; and commercial banking services, such as financial guidance and support of construction projects and solutions for activity in the capital market and the derivatives, as well as financing in foreign trade, and working capital. The company was incorporated in 1972 and is headquartered in Tel Aviv-Yafo, Israel.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

First International Bank of Israel Ltd reported revenue of 13.9B ILA in FY2025 versus 4.7B ILA in FY2021, a compound +30.7%/yr. Reported net income was 2.3B ILA in FY2025, compounding +12.6%/yr from FY2021.

Revenue +30.7%/yr

FY21 4.7B ILA

FY22 6.6B ILA

FY23 11.3B ILA

FY24 12.9B ILA

FY25 13.9B ILA

Net income +12.6%/yr

FY21 1.4B ILA

FY22 1.7B ILA

FY23 2.2B ILA

FY24 2.4B ILA

FY25 2.3B ILA

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Frequently asked questions

Is First International Bank of Israel Ltd (FIBI) undervalued?

As of Jun 26, 2026, our model estimates a fair value of 292.93 ILA versus a price of 211.60 ILA — about +38% (undervalued). Model-based estimate, not financial advice.

What is the fair value of FIBI?

Our 21-model fair value for First International Bank of Israel Ltd is 292.93 ILA (as of Jun 26, 2026), built from audited fundamentals. The current price is 211.60 ILA.

What is the quality score of FIBI?

First International Bank of Israel Ltd has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of First International Bank of Israel Ltd (FIBI)?

First International Bank of Israel Ltd reported trailing-twelve-month revenue of about 6.9B ILS (latest available figure, as of Jun 26, 2026).

What is the net profit margin of FIBI?

The net profit margin of First International Bank of Israel Ltd is about 32.2%, meaning it keeps roughly 32.2% of revenue as net income. Based on the latest reported figures.

Does First International Bank of Israel Ltd pay a dividend?

First International Bank of Israel Ltd currently shows a dividend yield of about 0.05% relative to its recent price (as of Jun 26, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.