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Bank Leumi le-Israel B.M., (LUMI) Fair Value & Analysis

Financial Services · Il · Market cap 99.0B ILA

BL Bank Leumi le-Israel B.M., LUMI · TA
Price65.70 ILA
Fair Value90.47 ILA
Upside+37.7%
Quality95/100
Evidence: High Range 67.85 ILA – 113.08 ILA

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 3 days ago

Share price −5.8% over the past month.

Price vs Fair Value (12 months)

77.40 ILA 52.95 ILA Fair Value 90.47 ILA Jun 2025 Jun 2026

12‑month range 52.95 ILA – 77.40 ILA · fair‑value band 67.85 ILA – 113.08 ILA · the 65.70 ILA price screens below the 90.47 ILA fair value. As of Jun 26, 2026.

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Analysis

Bank Leumi le-Israel B.M., (LUMI) currently trades at 65.70 ILA, while our model-based Fair Value estimate is 90.47 ILA — implying the stock looks roughly 37.7% 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, Bank Leumi le-Israel B.M., generated revenue of 22.2B ILA at a net margin of 46.0%. Revenue declined 0.6% year over year. It earns a return on equity of 15.4%. The balance sheet holds a net cash position of 52.2B ILA. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 22.2B ILA
Revenue growth (YoY) -0.6%
Net margin 46.0%
Return on equity 15.4%
Free cash flow 5.3B ILA FY2025
P/E ratio 9.8
More key figures
Operating margin 70.0%
EPS (TTM) 6.84 ILA
Dividend yield 0.1%
EPS growth (YoY) -1.2%
Net cash 52.2B ILA FY2025

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

About the company

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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Bank Leumi le-Israel B.M., reported revenue of 44.8B ILA in FY2025 versus 16.8B ILA in FY2021, a compound +27.7%/yr. Reported net income was 10.3B ILA in FY2025, compounding +14.2%/yr from FY2021.

Revenue +27.7%/yr
FY21 16.8B ILA
FY22 22.8B ILA
FY23 38.7B ILA
FY24 43.0B ILA
FY25 44.8B ILA
Net income +14.2%/yr
FY21 6.0B ILA
FY22 7.7B ILA
FY23 7.0B ILA
FY24 9.8B ILA
FY25 10.3B ILA

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Frequently asked questions

Is Bank Leumi le-Israel B.M., (LUMI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 90.47 ILA versus a price of 65.70 ILA — about +38% (undervalued). Model-based estimate, not financial advice.
What is the fair value of LUMI?
Our 21-model fair value for Bank Leumi le-Israel B.M., is 90.47 ILA (as of Jun 26, 2026), built from audited fundamentals. The current price is 65.70 ILA.
What is the quality score of LUMI?
Bank Leumi le-Israel B.M., has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Bank Leumi le-Israel B.M., (LUMI)?
Bank Leumi le-Israel B.M., reported trailing-twelve-month revenue of about 22.2B ILS (latest available figure, as of Jun 26, 2026).
What is the net profit margin of LUMI?
The net profit margin of Bank Leumi le-Israel B.M., is about 46.0%, meaning it keeps roughly 46.0% of revenue as net income. Based on the latest reported figures.
Does Bank Leumi le-Israel B.M., pay a dividend?
Bank Leumi le-Israel B.M., 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.