` FIBI (First International Bank of Israel Ltd) vs LUMI (Bank Leumi Le Israel BM) Comparison - Alpha Spread

F
FIBI
vs
B
LUMI

Over the past 12 months, FIBI has underperformed LUMI, delivering a return of +59% compared to the LUMI's +87% growth.

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FIBI
LUMI
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

FIBI Intrinsic Value
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LUMI Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
F
First International Bank of Israel Ltd
TASE:FIBI
24 420 ILS
B
Bank Leumi Le Israel BM
TASE:LUMI
6 194 ILS
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FIBI vs LUMI

FIBI
LUMI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
F
First International Bank of Israel Ltd
Revenue
B
Bank Leumi Le Israel BM
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
FIBI vs LUMI

FIBI
LUMI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
F
First International Bank of Israel Ltd
TASE:FIBI
FCF is not applicable for financial companies
B
Bank Leumi Le Israel BM
TASE:LUMI
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

FIBI
LUMI
LTM 3Y Avg 5Y Avg 10Y Avg
F
First International Bank of Israel Ltd
Not applicable for financial companies
B
Bank Leumi Le Israel BM
Not applicable for financial companies

Operating Margin

FIBI
LUMI
LTM 3Y Avg 5Y Avg 10Y Avg
F
First International Bank of Israel Ltd
Not applicable for financial companies
B
Bank Leumi Le Israel BM
Not applicable for financial companies

Net Margin

FIBI
34.1%
LUMI
42.4%

FCF Margin

FIBI
LUMI
LTM 3Y Avg 5Y Avg 10Y Avg
F
First International Bank of Israel Ltd
Not applicable for financial companies
B
Bank Leumi Le Israel BM
Not applicable for financial companies

ROE

FIBI
17.9%
LUMI
15.6%

ROA

FIBI
1%
LUMI
1.2%

ROIC

FIBI
LUMI
LTM 3Y Avg 5Y Avg 10Y Avg
F
First International Bank of Israel Ltd
Not applicable for financial companies
B
Bank Leumi Le Israel BM
Not applicable for financial companies

ROCE

FIBI
LUMI
LTM 3Y Avg 5Y Avg 10Y Avg
F
First International Bank of Israel Ltd
Not applicable for financial companies
B
Bank Leumi Le Israel BM
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
FIBI vs LUMI

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Performance Gap
FIBI vs LUMI

Performance Gap Between FIBI and LUMI
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Performance By Year
FIBI vs LUMI

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FIBI
LUMI
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