FIBI Holdings Ltd (FIBIH) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of FIBI Holdings Ltd stock ILS 251, price ILS 287, that is 12.3% below the price, quality 67 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 77.65 ILS – 367.20 ILS · fair‑value band 194.58 ILS – 385.88 ILS · the 286.60 ILS price screens above the 251.32 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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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.
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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.
Stock analysis
FIBI Holdings Ltd (FIBIH) currently trades at 286.60 ILS, while our model-based Fair Value estimate is 251.32 ILS, 12% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 331.20 ILS per share, and 1 of the 6 models we run sit above the 286.60 ILS price.
Bear case: the Dividend Discount group reads lowest at 108.47 ILS, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 194.58 ILS (bear) to 385.88 ILS (bull), the price of 286.60 ILS 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 67/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
FIBI Holdings Ltd reported revenue of 13.9B ILS in FY2025 versus 4.9B ILS in FY2021, a compound +29.7%/yr. Reported net income was 1.1B ILS in FY2025, compounding +12.7%/yr from FY2021.
Key figures
Market cap 10.2B ILS Mid · P/E ratio 8.5 · P/S ratio 1.49 · EPS (TTM) 33.56 ILS · Dividend yield 3.6% · Net margin 15.3% · Return on equity 14.6% · Return on assets (EBIT) 1.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −12%, FIBIH screens cheaper than that median.
Fair Value models
Bear194.58 ILSFair Value 251.32 ILSBull385.88 ILS
Price 286.60 ILS · Downside -12.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (19.93 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.Coverage ⓘCoverage = 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
+6.0%
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.
+27.1%
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.
+25.8%
Start year 2020 (pandemic). Over 10 years: +13.8% a year
Revenue growth 11 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.
+12.8%
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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.
+24.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.3%
Dividend (yield on the price)3.6%
Per share before 2014divided by the spin-off factor 1.3417
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.21.3% vs 17.5%, 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.26% → 27%
News mood ⓘNews mood, the average tone of recent news (7 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.
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 · 998 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside−12.3% · Above median
Profitability
Return on equity (12 months)14.6% · Top 25%
Return on assets0.8% · Below median
Net margin (12 months)33.0% · Above median
Operating margin (12 months)57.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−2.9% · Bottom 25%
Dividend yield (12 months)3.6% · Above median
Balance sheet
Debt / equity0.71× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)8.5× · Cheapest 25%
P/B1.44× · Pricier than median
P/S (12 months)3.23× · Cheaper than median
Price / free cash flow (fiscal year)7.4× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)17· sector 8
FUTURE (revenue growth)0· sector 47
PAST (return on equity)58· sector 43
HEALTH (low debt)–
DIVIDEND (yield)71· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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Is FIBI Holdings Ltd (FIBIH) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 251.32 ILS versus a price of 286.60 ILS, about 12% lower (overvalued).
What is the fair value of FIBIH?
Our model-based fair value for FIBI Holdings Ltd is 251.32 ILS (as of Nov 8, 2026), built from audited fundamentals. The current price: 286.60 ILS.
What is the quality score of FIBIH?
FIBI Holdings Ltd has a Quality Score of 67/100. 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 FIBI Holdings Ltd (FIBIH)?
Our model-based price target is the fair value of 251.32 ILS (as of Nov 8, 2026) from 6 valuation models. Cautious scenario 194.58 ILS, optimistic scenario 385.88 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the FIBI Holdings Ltd stock forecast for 2026?
Our models put fair value at 251.32 ILS, about 12% lower versus a price of 286.60 ILS (overvalued). Cautious scenario 194.58 ILS, optimistic scenario 385.88 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of FIBI Holdings Ltd (FIBIH)?
FIBI Holdings Ltd reported trailing-twelve-month revenue of about 6.8B ILS (latest available figure, as of Nov 8, 2026).
Does FIBI Holdings Ltd pay a dividend?
FIBI Holdings Ltd currently shows a dividend yield of 3.57% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of FIBI Holdings Ltd (FIBIH) and when is the ex-dividend date?
FIBI Holdings Ltd pays a dividend of 10.24 ILS per share a year, a dividend yield of 3.6%. The last ex-dividend date was Dec 4, 2025. A dividend has been paid every year since at least 2014. The payout ratio is 30.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of FIBI Holdings Ltd (FIBIH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FIBI Holdings Ltd it is 251.32 ILS per share (as of Nov 8, 2026), against a price of 286.60 ILS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is FIBI Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, FIBIH trades above its calculated fair value: price 286.60 ILS, fair value 251.32 ILS, a gap of about −12% (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 FIBIH?
No. The price is what the market pays today (286.60 ILS); the fair value is what the company's own numbers justify (251.32 ILS). For FIBI Holdings Ltd the two are 35.28 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is FIBI Holdings Ltd worth?
The market values FIBI Holdings Ltd at about 10.2B ILS (market capitalisation, as of Nov 8, 2026). Per share that is 286.60 ILS; our models calculate a fair value of 251.32 ILS per share.
What do the bullish and bearish scenarios say about FIBIH?
Our models span a range for FIBI Holdings Ltd: cautious scenario 194.58 ILS, base 251.32 ILS, optimistic 385.88 ILS per share (as of Nov 8, 2026, price 286.60 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FIBIH?
FIBI Holdings Ltd trades at a price-to-earnings ratio of 8.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 251.32 ILS is built from several models across several years. Other multiples: P/B 1.4, P/S 3.2.
How solid is the balance sheet of FIBI Holdings Ltd (FIBIH)?
Balance-sheet figures for FIBI Holdings Ltd (as of Nov 8, 2026): return on equity 14.6%, debt of 0.71 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is FIBIH from its 52-week high?
FIBI Holdings Ltd trades at 286.60 ILS, about 22% below its 52-week high of 367.20 ILS and 17% above the low of 244.93 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 251.32 ILS is for.
Which stocks are comparable to FIBI Holdings Ltd?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 FIBI Holdings Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price 286.60 ILS, calculated fair value 251.32 ILS (−12%), Quality Score 67/100, 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 FIBIH calculated?
We run FIBI Holdings Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 251.32 ILS builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. FIBI Holdings 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 FIBI Holdings Ltd (FIBIH)?
The closing price on Nov 5, 2026 was 286.60 ILS. Our model-based fair value is 251.32 ILS, about 12% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FIBI Holdings Ltd right now?
Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (194.58 ILS to 385.88 ILS) 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.
Key figures of FIBI Holdings Ltd
How large is the market capitalisation of FIBI Holdings Ltd (FIBIH)?
The market capitalisation of FIBI Holdings Ltd is 10.2B ILS. 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 FIBI Holdings Ltd (FIBIH)?
The price-to-sales ratio of FIBI Holdings Ltd is 1.49 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FIBI Holdings Ltd (FIBIH)?
Earnings per share at FIBI Holdings Ltd are 33.56 ILS (price ÷ EPS = P/E 8.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FIBI Holdings Ltd (FIBIH)?
The dividend yield of FIBI Holdings Ltd is 3.6% (payout 30.5%). 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 FIBI Holdings Ltd (FIBIH)?
The net margin of FIBI Holdings Ltd is 15.3% (last twelve months). 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 FIBI Holdings Ltd (FIBIH)?
The return on equity (ROE) of FIBI Holdings Ltd is 14.6% (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 FIBI Holdings Ltd (FIBIH)?
On an EBIT basis the return on assets of FIBI Holdings 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 FIBI Holdings Ltd (FIBIH)?
The operating margin of FIBI Holdings Ltd is 57.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FIBI Holdings Ltd (FIBIH)?
Revenue at FIBI Holdings Ltd is growing −2.9% versus a year earlier (3y avg +27.1%). 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 FIBI Holdings Ltd (FIBIH)?
Earnings per share at FIBI Holdings Ltd are growing −8.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FIBI Holdings Ltd (FIBIH) generate?
The free cash flow of FIBI Holdings Ltd is 3.0B ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does FIBI Holdings Ltd (FIBIH) hold?
FIBI Holdings Ltd holds more cash than debt, 65.4B ILS net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 8, 2026