First International Bank of Israel Ltd (FIBI) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of First International Bank of Israel Ltd ILS 189, price ILS 231, upside -18.2%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 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 27, 2026.
How to read this chart
60‑month range 71.48 ILA – 288.91 ILA · fair‑value band 142.54 ILA – 273.14 ILA · the 230.80 ILA price screens above the 188.87 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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.
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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.
Stock analysis
First International Bank of Israel Ltd (FIBI) currently trades at 230.80 ILA, while our model-based Fair Value estimate is 188.87 ILA, implying the stock looks roughly 22.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 203.99 ILA per share, and 1 of the 6 models we run sit above the 230.80 ILA price.
Bear case: the Asset-Based group reads lowest at 97.62 ILA, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 142.54 ILA (bear) to 273.14 ILA (bull), the price of 230.80 ILA 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 57/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
First International Bank of Israel Ltd reported revenue of 13.9B ILS in FY2025 versus 4.7B ILS in FY2021, a compound +30.7%/yr. Reported net income was 2.3B ILS in FY2025, compounding +12.6%/yr from FY2021.
Key figures
Market cap 23.1B ILA · P/E ratio 10.7 · P/S ratio 1.75 · EPS (TTM) 21.50 ILA · Dividend yield 5.2% · Net margin 16.3% · Return on equity 14.8% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −18%, FIBI screens cheaper than that median.
Fair Value models
Bear 142.54 ILAFair Value 188.87 ILABull 273.14 ILA
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 9 months old). Earnings retained since then (7.15 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.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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.4%
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.
+28.0%
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.
+26.7%
Start year 2020 (pandemic). Over 10 years: +14.0% a year
Revenue growth 25 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.
+4.3%
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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.
+26.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.2%
Dividend (yield on the price)5.2%
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.21.2% vs 17.4%, 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.27% → 27%
Start year 2020 (pandemic)
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 (30 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.Positive
Recent news coverage is more positive than average.
Compare First International Bank of Israel Ltd 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 · 1058 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−18.2% · Below median
Profitability
Return on equity (TTM)14.8% · Top 25%
Return on assets0.8% · Below median
Net margin (TTM)31.6% · Above median
Operating margin (TTM)57.1% · Top 25%
Growth and dividend
Revenue growth−3.0% · Bottom 25%
Dividend yield (TTM)5.2% · Top 25%
Balance sheet
Debt / equity0.25× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "First International Bank of Israel Ltd Fair Value". https://www.fairvalue-calculator.com/stock/FIBI
Frequently asked questions
Is First International Bank of Israel Ltd (FIBI) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 188.87 ILA versus a price of 230.80 ILA, about −18% upside (overvalued).
What is the fair value of FIBI?
Our model-based fair value for First International Bank of Israel Ltd is 188.87 ILA (as of Sep 27, 2026), built from audited fundamentals. The current price: 230.80 ILA.
What is the quality score of FIBI?
First International Bank of Israel Ltd has a Quality Score of 57/100. 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 First International Bank of Israel Ltd (FIBI)?
Our model-based price target is the fair value of 188.87 ILA (as of Sep 27, 2026) from 6 valuation models. Cautious scenario 142.54 ILA, optimistic scenario 273.14 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the First International Bank of Israel Ltd stock forecast for 2026?
Our models put fair value at 188.87 ILA, about −18% upside versus a price of 230.80 ILA (overvalued). Cautious scenario 142.54 ILA, optimistic scenario 273.14 ILA. The calculation is refreshed regularly with new filings.
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 6.8B ILS (latest available figure, as of Sep 27, 2026).
Does First International Bank of Israel Ltd pay a dividend?
First International Bank of Israel Ltd currently shows a dividend yield of about 5.16% relative to its recent price (as of Sep 27, 2026).
What growth is priced into First International Bank of Israel Ltd (FIBI)?
For today's price to be fair in a discounted-cash-flow model, First International Bank of Israel Ltd would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 10.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +26.7 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of FIBI use?
Our models discount First International Bank of Israel Ltd at 10.1 %: a base by market capitalisation (mid), damped by beta 0.22, country premium for Israel. 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 First International Bank of Israel Ltd that is less than minus 40 % per year a year over ten years, using the same discount rate (10.1 %) and the same formula as our fair value.
How much growth has First International Bank of Israel Ltd (FIBI) delivered so far?
Over the past 5 years revenue at First International Bank of Israel Ltd grew +26.7 % 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 First International Bank of Israel Ltd (FIBI) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into First International Bank of Israel Ltd (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 First International Bank of Israel Ltd (FIBI)?
The free-cash-flow yield on the price is 12.82 %: that much free cash flow First International Bank of Israel Ltd produces per unit of market value. When it exceeds the discount rate of our models (10.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of First International Bank of Israel Ltd (FIBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For First International Bank of Israel Ltd it is 188.87 ILA per share (as of Sep 27, 2026), against a price of 230.80 ILA. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is First International Bank of Israel Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, FIBI trades above its calculated fair value: price 230.80 ILA, fair value 188.87 ILA, a gap of about −18% (overvalued). 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 FIBI?
No. The price is what the market pays today (230.80 ILA); the fair value is what the company's own numbers justify (188.87 ILA). For First International Bank of Israel Ltd the two are 41.93 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is First International Bank of Israel Ltd worth?
The market values First International Bank of Israel Ltd at about 23.1B ILA (market capitalisation, as of Sep 27, 2026). Per share that is 230.80 ILA; our models calculate a fair value of 188.87 ILA per share.
What do the bullish and bearish scenarios say about FIBI?
Our models span a range for First International Bank of Israel Ltd: cautious scenario 142.54 ILA, base 188.87 ILA, optimistic 273.14 ILA per share (as of Sep 27, 2026, price 230.80 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FIBI?
First International Bank of Israel Ltd trades at a price-to-earnings ratio of 10.7 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 188.87 ILA is built from several models across several years. Other multiples: P/B 1.6, P/S 3.4.
How solid is the balance sheet of First International Bank of Israel Ltd (FIBI)?
Balance-sheet figures for First International Bank of Israel Ltd (as of Sep 27, 2026): return on equity 14.8%, debt of 0.25 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is FIBI from its 52-week high?
First International Bank of Israel Ltd trades at 230.80 ILA, about 20% below its 52-week high of 288.91 ILA and 10% above the low of 210.60 ILA (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of 188.87 ILA is for.
Which stocks are comparable to First International Bank of Israel Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 First International Bank of Israel Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price 230.80 ILA, calculated fair value 188.87 ILA (−18%), Quality Score 57/100, 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 FIBI calculated?
We run First International Bank of Israel Ltd 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 188.87 ILA, 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 15.9 % above its aggregate fair value. First International Bank of Israel Ltd itself currently trades above fair value. 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 First International Bank of Israel Ltd (FIBI)?
The closing price on Sep 28, 2026 was 230.80 ILA. Our model-based fair value is 188.87 ILA, about −18% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with First International Bank of Israel Ltd right now?
Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (142.54 ILA to 273.14 ILA) 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 First International Bank of Israel Ltd (FIBI) come from?
Earnings per share at First International Bank of Israel Ltd grew +19.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +13.9 %, EBIT margin +3.6 %, tax rate +1.2 %, residual (interest, one-offs) −0.4 %. 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 First International Bank of Israel Ltd
How large is the market capitalisation of First International Bank of Israel Ltd (FIBI)?
The market capitalisation of First International Bank of Israel Ltd is 23.1B ILA. 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 First International Bank of Israel Ltd (FIBI)?
The price-to-sales ratio of First International Bank of Israel Ltd is 1.75 (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 First International Bank of Israel Ltd (FIBI)?
Earnings per share at First International Bank of Israel Ltd are 21.50 ILA (price ÷ EPS = P/E 10.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of First International Bank of Israel Ltd (FIBI)?
The dividend yield of First International Bank of Israel Ltd is 5.2% (payout 55.4%). 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 First International Bank of Israel Ltd (FIBI)?
The net margin of First International Bank of Israel Ltd is 16.3% (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 First International Bank of Israel Ltd (FIBI)?
The return on equity (ROE) of First International Bank of Israel Ltd is 14.8% (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 First International Bank of Israel Ltd (FIBI)?
On an EBIT basis the return on assets of First International Bank of Israel Ltd is 1.4% (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 First International Bank of Israel Ltd (FIBI)?
The operating margin of First International Bank of Israel Ltd is 57.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at First International Bank of Israel Ltd (FIBI)?
Revenue at First International Bank of Israel Ltd is growing −3.0% versus a year earlier (3y avg +28.0%). 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 First International Bank of Israel Ltd (FIBI)?
Earnings per share at First International Bank of Israel Ltd are growing −8.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does First International Bank of Israel Ltd (FIBI) hold?
First International Bank of Israel Ltd holds more cash than debt, 71.0B ILA net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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