US: FBKIF - First International Bank of Israel Ltd

Yield per half year: +4.4%
Dividend yield: 0.00%
Sector: Financials

Reporting First International Bank of Israel Ltd

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	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
Выручка, млрд ₪	3.61	3.42	3.49	3.6	3.94	4.01	4.01	4.39	5.25	6.46
Чистая прибыль, млрд ₪	0.478	0.446	0.521	0.678	0.733	0.865	0.75	1.41	1.67	2.17
EBIT, млрд ₪	0.818	0.772	0.919	1.04	1.14	1.34	1.12	2.13	2.55	3.26
EBITDA, млрд ₪	1.06	0.992	1.13	1.21	1.31	1.5	1.29	2.3	2.73	3.45
Баланс стоимость, млрд ₪	6.97	7.4	7.65	8.09	8.09	8.57	9.14	10	10.56	12.07
FCF, млрд ₪	5.34	5.55	-1.99	7.04	1.58	0.622	0.465	-1.27	3.26	1.15
Операционный денежный поток, млрд ₪	5.57	5.74	-1.84	7.18	1.73	0.772	0.625	-1.1	3.43	1.33
Операционная прибыль, млрд ₪	0.818	0.772	0.919	1.04	1.14	1.34	1.12	2.13	2.55	3.26
Операционные расходы, млрд ₪	2.77	2.6	2.58	2.5	2.71	2.54	2.41	2.5	2.6	2.72
CAPEX, млрд ₪	0.224	0.19	0.149	0.141	0.142	0.15	0.16	0.172	0.171	0.185

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	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
Выручка, млрд ₪	1.13	1.02	1.17	1.21	1.43	1.45	1.7	1.74	1.6	1.42
Чистая прибыль, млрд ₪	0.364	0.333	0.322	0.342	0.467	0.536	0.631	0.587	0.455	0.499
EBIT, млрд ₪	0.557	0.491	0.491	0.521	0.716	0.823	0.946	0.894	0.702	0.72
EBITDA, млрд ₪	0.601	0.534	0.534	0.565	0.762	0.868	0.992	0.94	0.75	0.766
Баланс стоимость, млрд ₪	10.02	10	9.85	9.97	10.24	10.56	10.89	11.29	11.58	12.07
FCF, млрд ₪	-1.95	0.504	0.238	1.18	1.1	0.74	0.897	0.762	0.714	-1.23
Операционный денежный поток, млрд ₪	-1.92	0.576	0.262	1.22	1.13	0.814	0.93	0.804	0.75	-1.15
Операционная прибыль, млрд ₪	0.557	0.491	0.491	0.521	0.716	0.823	0.946	0.894	0.702	0.72
Операционные расходы, млрд ₪	0.645	0.549	0.684	0.662	0.682	0.575	0.724	0.74	0.733	0.525
CAPEX, млрд ₪	0.026	0.072	0.024	0.041	0.032	0.074	0.033	0.042	0.036	0.074

	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	5 year average	CAGR 5
Наличность, млрд ₪		29.18	30.73	29.15	39.19	31.3	37.53	57.8	57.37	57.13	68.87
Long term investments ₪					12.57	15.03	12.86	15.89	17.85	19.55	31.43
Total Receivables ₪		0.168	0.113	0.188	0.127	0.18	0.14	0.145	0.219	0.196	0.227
Total Current Assets ₪		29.35	30.84	29.34	39.31	31.48	37.67	57.95	57.59	57.33	69.09
Чистые активы, млрд ₪	1.18	1.22	1.23	1.13	1.1	1.02	0.996	1.35	1.3
Активы, млрд ₪		117.74	125.48	127.91	135.72	134.12	141.11	167.78	180.47	195.96	221.59
Задолженность, млрд ₪		110.53	117.81	119.97	127.33	125.71	132.19	158.24	170.03	184.92	208.95
Чистый долг, млрд ₪		-24.28	-24.87	-23.35	-33.94	-26.31	-33.86	-53.02	-53.65	-52	-63.73
Interest income ₪					2.7	3	3.08	2.88	3.15	5.16	9.85
Расходы на обслуживание долга ₪		0.563	0.31	0.357	0.402	0.515	0.483	0.241	0.356	1.36	4.88
Чист. проц. доходы, млрд ₪					2.3	2.49	2.6	2.64	2.79	3.8	4.97
Амортизация, млрд ₪		0.237	0.22	0.209	0.172	0.166	0.161	0.167	0.171	0.178	0.186

	2014Q4	2015Q4	2016Q4	2017Q3	2017Q4	2018Q4	2019Q4	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
Наличность, млрд ₪												57.08	57.37	53.98	56.31	56.01	57.13	57.76	58.55	61.66	68.87
Long term investments ₪												17.07	17.85	17.92	18.9	19.82	19.55	24.53	27.3	26.76	31.43
Total Receivables ₪	0.168	0.113	0.188		0.127	0.18	0.14		0.145				0.219				0.196				0.227
Total Current Assets ₪												57.08	57.59	53.98	56.31	56.01	57.33	57.76	58.55	61.66	69.09
Чистые активы, млрд ₪				1.1				0.97	1.35	0.954	0.945	0.929	1.3	0.912	0.904	0.894
Активы, млрд ₪												173.76	180.47	182.01	192.03	194.99	195.96	204.31	208.13	210.67	221.59
Задолженность, млрд ₪												2.85	170.03	3.68	4.19	5.03	184.92	4.77	4.71	4.75	208.95
Чистый долг, млрд ₪												-54.23	-53.65	-50.3	-52.12	-50.98	-52	-52.99	-53.84	-56.91	-63.73
Interest income ₪												0.807	0.758	0.871	1.1	1.37	1.81	2.18	2.52	2.56	2.64
Расходы на обслуживание долга ₪												0.097	0.054	0.127	0.244	0.366	0.621	0.901	1.21	1.33	1.49
Чист. проц. доходы, млрд ₪												0.71	0.704	0.744	0.859	1.01	1.19	1.28	1.32	1.23	1.15
Амортизация, млрд ₪												0.044	0.043	0.043	0.044	0.046	0.045	0.046	0.046	0.048	0.046

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
EPS	2.47	1.22	1.43	1.85	2.12	2.42	5.02	12.12	4.92	5.89
Цена акции ао			11.58	11.58	11.58	11.58	11.58	35.92	35.92	35.92	37.5	37.5
Число акций ао, млн	100.58	100.41	100.58	100.33	100.33	100.38	100.33	100.33	100.33	100.24
FCF/акцию	53.13	55.25	-19.75	70.15	15.79	6.2	4.63	-12.69	32.48	11.43

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
EPS	3.62	3.32	1	1.02	1.37	1.53	1.78	1.6	1.21	1.3
Цена акции ао	11.58	35.16	35.92	35.92	35.92	35.92	35.92	35.92	35.92	35.92
Число акций ао, млн	100.55	100.33	100.31	100.29	100.43	100.33	100.32	100.34	100.44	100.24
FCF/акцию	-19.37	5.02	2.37	11.77	10.96	7.38	8.94	7.59	7.11	-12.24

	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, %	6.86	6.03	6.81	8.38	9.06	10.1	8.2	14.05	15.79	17.99
ROA, %	0.406	0.3554	0.4073	0.4996	0.5465	0.613	0.447	0.7785	0.8507	0.9802
ROS, %				18.83	18.6	21.59	18.73	31.98	31.73	33.64	0	0	0
ROCE, %			11.58	12.36	13.56	15.05	11.73	20.44	23.12	25.79		0	0
Ebit margin, %												0	0
Рентаб EBITDA, %			32.35	33.55	33.16	37.54	32.08	52.45	51.94	53.4		0	0
Чистая рентаб, %	13.24	13.05	14.94	18.83	18.6	21.59	18.73	31.98	31.73	33.64
Operation Margin, %				28.77	28.95	33.52	27.92	48.55	48.55	50.52	0	0	0
Доходность FCF, %	327.99	341.02	-167.41	605.77	136.34	53.51	40.02	-72.22	90.43	31.83

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	Industry average	5 quarters average	CAGR 5
ROE, %	3.63	3.33	3.27	3.43	4.56	5.08	5.8	5.2	3.93	4.13
ROA, %	0.2095	0.1845	0.1769	0.1781	0.2395	0.2735	0.3088	0.282	0.216	0.2252
ROS, %	32.36	32.58	27.52	28.31	32.68	37.04	37.12	33.83	28.42	35.12
ROCE, %	0.3259	4.7	0.2753	0.2774	0.3769	7.46	0.4741	0.4395	0.3409	5.69
Рентаб EBITDA, %	53.42	52.25	45.64	46.77	53.32	59.99	58.35	54.18	46.85	53.91
Чистая рентаб, %	32.36	32.58	27.52	28.31	32.68	37.04	37.12	33.83	28.42	35.12
Operation Margin, %	49.51	48.04	41.97	43.13	50.1	56.88	55.65	51.53	43.85	50.67
Доходность FCF, %	-167.3	14.29	6.61	32.76	30.52	20.53	24.89	21.14	19.79	-34.08

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	3.41	3.65	2.28	1.71	1.59	1.34	1.55	1.25	2.16	1.66
P/BV	0.2339	0.2198	0.1551	0.1435	0.1436	0.1357	0.1271	0.1762	0.3413	0.2983
P/S	0.4512	0.476	0.3404	0.3226	0.2948	0.2902	0.2901	0.4012	0.6859	0.5576
P/FCF				0.1651	0.7335	1.87	2.5	-1.38	1.11	3.14	0	0	0
E/P				0.5836	0.6309	0.7441	0.6455	0.7971	0.4626	0.6033	0	0	0
EV/EBIT											0	0	0
EV/S											0	0	0
EV/FCF											0	0	0
Debt/EBITDA											0	0	0
Netdebt/Ebitda				-28.09	-20.13	-22.51	-41.26	-23.28	-19.06	-18.48	0	0	0
Debt/Ratio											0	0	0
Debt/Equity											0	0	0
Debt/Net Income											0	0	0
Бета											0.7747	0	0
Индекс Альтмана		0.0442	0.0441	0.0538	0.0563	0.0644	0.0484	0.0746			0	0	0

	2017Q3	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	Industry average	5 quarters average	CAGR 5
P/E						3.2	10.59	11.19	10.53	7.72	6.72	5.71	6.14	7.93	7.22
P/BV						0.1162	0.3526	0.3658	0.3612	0.3524	0.3413	0.3309	0.3192	0.3115	0.2983
P/S						1.04	3.45	3.08	2.98	2.52	2.49	2.12	2.08	2.25	2.53
P/FCF						-0.5977	7	15.14	3.05	3.28	4.87	4.02	4.73	5.05	-2.93
E/P						0.3126	0.0944	0.0894	0.0949	0.1295	0.1487	0.1751	0.1629	0.1261	0.1386
Netdebt/Ebitda						-90.24	-100.46	-94.2	-92.24	-66.91	-59.91	-53.42	-57.28	-75.88	-83.2
Индекс Альтмана	0.0049	0.0122	0.0074	0.0157	0.0193	0.0186	0.027	0.0315	0.0306	0.0353

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	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	0.798
Дивиденд	2.98	1.48	1.99	2.38	0.986	4.38	0.3352	5.43	9.42	8.77
Див доход, ао, %	18.4	9.11	16.89	20.53	8.51	37.79	2.89	30.92	26.22	24.43
Дивиденды / прибыль, %	59.62	29.15	38.39	45.72	48.43	47.4	16.67	38.79	56.69	36.74

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.225	0.32	0.38	0.16	0.17	0.235	0.268	0.22	0.22	0.09
Дивиденд	2.24	3.19	3.79	1.59	1.69	2.34	2.67	2.19	2.77	1.14
Див доход, ао, %	19.37	9.07	10.54	4.44	4.72	6.52	7.44	6.1	7.72	3.17
Дивиденды / прибыль, %	61.81	96.1	118.01	46.78	36.4	43.84	42.47	37.48	48.35	18.04

	Industry average	5 quarters average	CAGR 5

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