US: FBKIF - First International Bank of Israel Ltd

Yield per half year: 0%
Dividend yield: +6.00%
Sector: Financials

Reporting First International Bank of Israel Ltd

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₪	1.63	1.63	1.19	1.16	1.16	1.16	1.16	1.76	3.6	3.6			2.26	25.42
Выручка, млрд ₪			3.49	3.6	3.94	4.01	4.01	4.39	5.25	6.27	24.25	24.25	8.83	43.32
Чистая прибыль, млрд ₪			0.521	0.678	0.733	0.865	0.75	1.41	1.67	2.23	8.77	8.77	2.97	63.53
EV, млрд ₪						-112.92	-166.66	-155.18	-39.41	-57.3	-64.49	-64.49	-96.6080	-17.29
EBIT, млрд ₪	0.818	0.772	0.919	1.04	1.14	1.34	1.12	2.13	2.55	3.35			2.10	20.11
EBITDA, млрд ₪	1.06	0.992	1.13	1.21	1.31	1.5	1.29	2.3	2.73	3.54			2.27	18.74
Баланс стоимость, млрд ₪			7.65	8.09	8.09	8.57	9.14	10	10.56	12.38	13.64	13.64	11.14	8.34
FCF, млрд ₪			-1.99	7.04	1.58	0.622	0.465	-1.27	3.26	1.18	1.25	1.25	0.9770	21.87
Операционный денежный поток, млрд ₪			-1.84	7.18	1.73	0.772	0.625	-1.1	3.43	1.36	1.49	1.49	1.16	18.98
Операционная прибыль, млрд ₪	0.818	0.772	0.919	1.04	1.14	1.34	1.12	2.13	2.55	4.06			2.24	24.82
Операционные расходы, млрд ₪			2.58	2.5	2.71	2.54	2.41	2.5	2.6	2.21	24.25	24.25	6.79	58.69
CAPEX, млрд ₪			0.149	0.141	0.142	0.15	0.16	0.172	0.171	0.1897	0.2377	0.2377	0.1861	8.24

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₪	1.16	3.53	3.6	3.6	3.61	3.6	3.6	3.6	3.61	3.6					3.60	0.00
Выручка, млрд ₪					1.43	1.45	1.7	1.74	1.6	1.46	1.58	1.68	1.81	1.55	1.62	1.20
Чистая прибыль, млрд ₪					0.467	0.536	0.631	0.587	0.455	0.5117	0.5701	0.5979	0.6161	0.5821	0.5756	2.61
EV, млрд ₪									-43.15	-52.04	-63.55	-62.92	-67.02	-64.49	-62.0040	4.38
EBIT, млрд ₪		0.491	0.491	0.521	0.716	0.823	0.946	0.894	0.702	0.7384	0.8496				0.8260	-2.13
EBITDA, млрд ₪		0.534	0.534	0.565	0.762	0.868	0.992	0.94	0.75	0.7856	0.8967				0.8729	-2.00
Баланс стоимость, млрд ₪					10.24	10.56	10.89	11.29	11.58	12.38	12.38	12.39	12.98	13.64	12.75	1.96
FCF, млрд ₪					1.1	0.74	0.897	0.762	0.714	-1.26	-0.6102	2.21	1.75	-2.21	-0.0240	11.89
Операционный денежный поток, млрд ₪					1.13	0.814	0.93	0.804	0.75	-1.18	-0.5761	2.28	1.8	-2.13	0.0388	12.54
Операционная прибыль, млрд ₪			0.491	0.521	0.716	0.823	0.946	0.894	0.702	0.7384	1.06	1.17			0.9129	5.53
Операционные расходы, млрд ₪					0.682	0.575	0.724	0.74	0.733	0.5384	0.7324	0.5066	1.81	1.55	1.03	23.55
CAPEX, млрд ₪					0.032	0.074	0.033	0.042	0.036	0.0759	0.0341	0.0648	0.0537	0.0813	0.0620	1.38

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₪				29.15	39.19	31.3	37.53	57.8	57.37	57.13	70.62	78.4	78.4	64.26	6.29
Short Term Investments ₪											1.34			1.34	0.00
Long term investments ₪					12.57	15.03	12.86	15.89	17.85	19.55	31.43			19.52	19.57
Total Receivables ₪		0.168	0.113	0.188	0.127	0.18	0.14	0.145	0.219	0.196	0.2328			0.1866	10.71
Total Current Assets ₪				29.34	39.31	31.48	37.67	57.95	57.59	57.33	70.86	78.4	78.4	64.43	6.23
Чистые активы, млрд ₪	1.18	1.22	1.23	1.13	1.1	1.02	0.996	1.35	1.3					1.15	3.40
Активы, млрд ₪				127.91	135.72	134.12	141.11	167.78	180.47	195.96	227.25	252.51	252.51	204.79	8.52
Задолженность, млрд ₪				119.97	127.33	125.71	132.19	158.24	170.03	184.92	214.28	238.21	238.21	193.14	8.52
Чистый долг, млрд ₪				-23.35	-33.94	-26.31	-33.86	-53.02	-53.65	-52	-70.62	-78.4	-78.4	-61.5380	8.14
Долг, млрд ₪							12.69	15.37	11.56	5.13	5.27			10.00	-16.12
Interest income ₪					2.7	3	3.08	2.88	3.15	5.16	9.85			4.82	26.18
Расходы на обслуживание долга ₪				0.357	0.402	0.515	0.483	0.241	0.356	1.36	5.01	23.51	23.51	6.10	149.95
Чист. проц. доходы, млрд ₪					2.3	2.49	2.6	2.64	2.79	3.8	4.97			3.36	13.84
Амортизация, млрд ₪				0.209	0.172	0.166	0.161	0.167	0.171	0.178	0.1907	0.7396	0.7396	0.2893	34.67
Себестоимость, млрд ₪											-0.3497			-0.3497	0.00

	2014Q4	2015Q4	2016Q4	2017Q3	2017Q4	2018Q4	2019Q4	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₪																56.01	57.13	57.76	58.55	61.66	70.62	76.88	76.25	80.93	78.4	76.62	2.11
Short Term Investments ₪																							1.52			1.52	0.00
Long term investments ₪												17.07	17.85	17.92	18.9	19.82	19.55	24.53	27.3	26.76	31.43					25.91	9.96
Total Receivables ₪	0.168	0.113	0.188		0.127	0.18	0.14		0.145				0.219				0.196				0.2328					0.1866	10.71
Total Current Assets ₪																56.01	57.33	57.76	58.55	61.66	70.86	76.88	74.73	80.93	78.4	76.36	2.04
Чистые активы, млрд ₪				1.1				0.97	1.35	0.954	0.945	0.929	1.3	0.912	0.904	0.894										0.9878	-0.77
Активы, млрд ₪																194.99	195.96	204.31	208.13	210.67	227.25	226.37	228.57	240.99	252.51	235.14	2.13
Задолженность, млрд ₪																5.03	184.92	4.77	4.71	4.75	214.28	213.4	215.6	227.39	238.21	221.78	2.14
Чистый долг, млрд ₪																-50.98	-52	-52.99	-53.84	-56.91	-65.36	-76.88	-76.25	-80.93	-78.4	-75.5640	3.71
Долг, млрд ₪																				4.75	5.27	4.75				4.92	0.00
Interest income ₪												0.807	0.758	0.871	1.1	1.37	1.81	2.18	2.52	2.56	2.64					2.34	7.84
Расходы на обслуживание долга ₪																0.366	0.621	0.901	1.21	1.33	1.53	1.46	1.62	1.66	1.65	1.58	1.52
Чист. проц. доходы, млрд ₪												0.71	0.704	0.744	0.859	1.01	1.19	1.28	1.32	1.23	1.15					1.23	-0.68
Амортизация, млрд ₪																0.046	0.045	0.046	0.046	0.048	0.0472	0.0471	0.0471	0.0815	0.0234	0.0493	-13.09
Себестоимость, млрд ₪																							0.0697			0.0697	0.00

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.43	1.85	2.12	2.42	5.02	12.12	4.92	22.2	87.39		87.39	26.33	77.07
Цена акции ао		11.58	11.58	11.58	11.58	35.92	35.92	35.92	37.5	37.5	37.5	36.55	0.86
Число акций ао, млн	100.58	100.33	100.33	100.38	100.33	100.33	100.33	371.01	370.97		370.97	208.59	29.89
FCF/акцию	-19.75	70.15	15.79	6.2	4.63	-12.69	32.48	3.17	3.38		3.38	6.19	-6.10

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
EPS					1.37	1.53	1.78	1.6	4.53	5.11	5.68	5.96	6.14	5.8	5.74	2.57
Цена акции ао	11.58	35.16	35.92	35.92	35.92	35.92	35.92	35.92	35.92	35.92					35.92	0.00
Число акций ао, млн	100.55	100.33	100.31	100.29	100.43	100.33	100.32	100.34	100.44	100.24					100.33	-0.02
FCF/акцию					10.96	7.38	8.94	7.59	7.11	-3.39	-1.64	5.97	4.72	-5.95	-0.0580	11.91

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			6.81	8.38	9.06	10.1	8.2	14.05	15.79	18.99	67.38		67.38		24.88	52.39
ROA, %			0.4073	0.4996	0.5465	0.613	0.447	0.7785	0.8507	1.03	3.65		3.65		1.35	52.19
ROIC, %						8.02	9.17	12.45	15.71	18.3					12.73	17.94
ROS, %				18.83	18.6	21.59	18.73	31.98	31.73	35.57	36.16	36.16	36.16		34.32	2.49
ROCE, %			11.58	12.36	13.56	15.05	11.73	20.44	23.12	1.47		0	0		14.36	-37.20
Ebit margin, %						33.52	27.92	48.55	48.55	53.43		0	0		42.39	9.77
Рентаб EBITDA, %			32.35	33.55	33.16	37.54	32.08	52.45	51.94	56.46		0	0		46.09	8.50
Чистая рентаб, %			14.94	18.83	18.6	21.59	18.73	31.98	31.73	35.57	36.16		36.16		30.83	14.06
Operation Margin, %				28.77	28.95	33.52	27.92	48.55	48.55	64.75	0	0	0		44.66	14.07
Доходность FCF, %	327.99	341.02	-167.41	605.77	136.34	53.51	40.02	-72.22	90.43	31.83					28.71	-9.87

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %					4.56	5.08	5.8	5.2	3.21	4.51	4.89	5	5	4.59		4.80	0.35
ROA, %					0.2395	0.2735	0.3088	0.282	0.2173	0.2371	0.2513	0.2628	0.2624	0.2359		0.2499	-0.10
ROIC, %									4.13	3.42	4.9					4.15	5.86
ROS, %					32.68	37.04	37.12	33.83	28.42	35.05	36.08	35.59	34.04	37.55		35.66	1.39
ROCE, %		4.7	0.2753	0.2774	0.3769	7.46	0.4741	0.4395	0.3438	0.3487	0.3936					0.3999	-3.65
Ebit margin, %									43.85	50.58	53.77					49.40	7.03
Рентаб EBITDA, %		52.25	45.64	46.77	53.32	59.99	58.35	54.18	46.85	53.81	56.75					53.99	-0.55
Чистая рентаб, %					32.68	37.04	37.12	33.83	28.42	35.05	36.08	35.59	34.04	37.55		35.66	1.39
Operation Margin, %			41.97	43.13	50.1	56.88	55.65	51.53	43.85	50.58	67.09	69.64				56.54	6.21
Доходность FCF, %	-167.3	14.29	6.61	32.76	30.52	20.53	24.89	21.14	19.79	-34.08						10.45	-210.67

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		2.28	1.71	1.59	1.34	1.55	1.25	2.16	5.98	1.59		1.59		2.51	0.51
P/BV		0.1551	0.1435	0.1436	0.1357	0.1271	0.1762	0.3413	1.03	0.9723		0.9723		0.5294	50.22
P/S		0.3404	0.3226	0.2948	0.2902	0.2901	0.4012	0.6859	2.12	0.5736		0.5736		0.8142	14.61
P/FCF			0.1651	0.7335	1.87	2.5	-1.38	1.11	3.14	0	0	0		1.45	10.92
E/P			0.5836	0.6309	0.7441	0.6455	0.7971	0.4626	0.6033	0	0	0		0.6505	-4.11
EV/EBIT					-24.34	-46.38	-23.44	-15.45	-17.1	0	0	0		-25.3420	-6.82
EV/EBITDA					-21.74	-40.35	-21.7	-14.44	-16.2					-22.8860	-5.71
EV/S					-8.16	-12.95	-11.38	-7.5	-9.14	-2.66	-2.66	-2.66		-6.6680	-25.23
EV/FCF					-52.56	-111.52	39.27	-12.09	-48.56	-51.59	-51.59	-51.59		-24.9120	-205.61
Debt/EBITDA					2.44	3.72	1.62	1.88	1.49	0	0	0		2.23	-9.39
Netdebt/Ebitda			-28.09	-20.13	-22.51	-41.26	-23.28	-19.06	-19.95	0	0	0		-25.2120	-2.39
Debt/Ratio					0.026	0.0285	0.0206	0.0262	0.0232	0	0	0		0.0249	-2.25
Debt/Equity					0.4288	0.5232	0.3722	0.4856	0.4257	0	0	0		0.4471	-0.15
Debt/Net Income					4.25	6.38	2.65	3.08	2.36	0	0	0		3.74	-11.10
Бета										0.7747	0	0		0.7747	0.00
Индекс Альтмана	0.0442	0.0441	0.0538	0.0563	0.0644	0.0484	0.0746			0	0.1615	0.1615		0.0810	23.46

	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Industry average	5 quarters average	CAGR 5
P/E									7.72	6.72	5.71	6.14	6.22	6.09	6.32	6.28	6.06	5.88			6.13	-0.70
P/BV									0.3524	0.3413	0.3309	0.3192	0.0668	1.03	1.03	1.03	1.02	0.9723			1.02	-1.15
P/S									2.52	2.49	2.12	2.08	2.12	2.05	2.11	2.12	2.13	2.1			2.10	0.48
P/FCF					-0.5977	7	15.14	3.05	3.28	4.87	4.02	4.73	5.05	-2.93							3.15	-190.34
E/P					0.3126	0.0944	0.0894	0.0949	0.1295	0.1487	0.1751	0.1629	0.1261	0.1386							0.1503	-1.40
EV/EBIT													-61.46	-70.48	-74.8						-68.9133	6.77
EV/EBITDA													-12.15	-15	-18.99						-15.3800	16.05
EV/S													-26.95	-35.64	-40.22	-37.45	-37.03	-41.61			-38.3900	3.15
EV/FCF													-60.43	41.3	104.15	-28.47	-38.3	29.18			21.57	-6.71
Debt/EBITDA													6.33	6.71	5.3						6.11	-5.75
Netdebt/Ebitda						-100.46	-94.2	-92.24	-66.91	-59.91	-53.42	-57.28	-75.88	-83.2	-85.74						-71.1040	9.92
Debt/Ratio													0.0226	0.0232	0.021						0.0223	-2.42
Debt/Equity													0.4102	0.4257	0.3837						0.4065	-2.20
Debt/Net Income													10.44	10.3	8.33						9.69	-7.25
Бета																			0
Индекс Альтмана	0.0122	0.0074	0.0157	0.0193	0.0186	0.027	0.0315	0.0306	0.0353										0.1615		0.0572	43.01

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.285	0.13	0.2	0.31	0.355	0.41	0.125	0.545	0.945	1				0.6050	19.52
Дивиденд			1.99	2.38	0.986	4.38	0.3352	5.43	9.42	2.15	2.69	2.69		4.01	51.67
Див доход, ао, %			16.89	20.53	8.51	37.79	2.89	30.92	26.22	7.09	6.01	6		14.63	15.77
Дивиденды / прибыль, %			38.39	45.72	48.43	47.4	16.67	38.79	56.69	36.74	11.46	11.46		32.07	-7.22

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд					0.17	0.235	0.268	0.22	0.22	0.0923	0.2695	0.2238	0.2425	0.2519		0.2160	22.24
Дивиденд	2.24	3.19	3.79	1.59	1.69	2.34	2.67	2.19	2.77	1.14						2.22	-13.40
Див доход, ао, %	19.37	9.07	10.54	4.44	4.72	6.52	7.44	6.1	7.72	3.17						6.19	-13.43
Дивиденды / прибыль, %					36.4	43.84	42.47	37.48	48.35	18.04	47.28	37.44	39.35	43.28		37.08	19.13

	Industry average	5 quarters average	CAGR 5

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