F.I.B.I. Holdings (FIBIH) Fair Value & Analysis
Financial Services · Il · Market cap 10.1B ILA
Fair value as of: Jul 15, 2026
From 6 valuation models · updated 25 days ago
Share price +10.2% over the past month.
A solid business, screening 37% undervalued on our models.
What matters now
- The price is below even our cautious bear case (299.49 ILA). The market is more pessimistic than our downside scenario.
- Solid quality (56/100) 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, dashed = 300-day average. As of Jul 15, 2026.
How to read this chart
60‑month range 67.49 ILA – 348.26 ILA · fair‑value band 299.49 ILA – 499.15 ILA · the 292.30 ILA price screens below the 399.32 ILA fair value. Dashed = 300-day average. As of Jul 15, 2026.
Analysis
F.I.B.I. Holdings (FIBIH) currently trades at 292.30 ILA, while our model-based Fair Value estimate is 399.32 ILA, implying the stock looks roughly 36.6% undervalued today. The Quality Score stands at 56/100 (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, F.I.B.I. Holdings generated revenue of 6.9B ILA at a net margin of 15.8%. Revenue declined 7.1% year over year. It earns a return on equity of 16.1%. The balance sheet holds a net cash position of 65.4B ILA. Fundamentals as of Jul 15, 2026
Our scenario range runs from 299.49 ILA (bear case) to 499.15 ILA (bull case); at 292.30 ILA, 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. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 37%, FIBIH screens richer 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 (279.15 ILA) versus Asset-Based (133.59 ILA). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 66 · Market factors (momentum, volatility) 62
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.
About the company
F.I.B.I. Holdings Ltd operates as the holding company for The First International Bank of Israel Ltd. that provides various banking products and services in Israel.
Full company description
F.I.B.I. Holdings Ltd operates as the holding company for The First International Bank of Israel Ltd. that provides various banking products and services in Israel. The company offers deposits and savings, including standing order savings, child savings, structured, options and plans, and short- and long-term deposits; mortgages; refinancing; and credit cards. It also provides business banking services, such as provision of financial and banking guidance and support for companies and corporations. In addition, the company engages in managing investment portfolios; personal consultancy; and provision of commercial banking, and foreign exchange dealing and forex services. Further, it offers capital market services comprising investment advisory, trading in securities, foreign exchange trading, and trading systems; factoring services; and platinum, private, mobile, and online banking services. F.I.B.I. Holdings Ltd was incorporated in 1972 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
F.I.B.I. Holdings reported revenue of 13.9B ILA in FY2025 versus 4.9B ILA in FY2021, a compound +29.7%/yr. Reported net income was 1.1B ILA in FY2025, compounding +12.7%/yr from FY2021.
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Peer Group
Banks - Regional · 1083 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.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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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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