First International Bank
First International Bank of Israel Ltd., together with its subsidiaries, provides financial and banking services to individuals, households, and businesses in Israel. Based in Tel Aviv-Yafo.
First International Bank: net income down (−10.1%), credit provisions sharply up (+370.0%), loans sharply up (+22.2%).
- Net income downFirst nine months 2026
Net income (attributable to shareholders): ₪1,571M, vs. ₪1,748M a year earlier, i.e. −10.1%.
- Credit provisions sharply upFirst nine months 2026
Credit loss expenses: ₪47M, vs. ₪10M a year earlier, i.e. +370.0%.
- Loans sharply upFirst nine months 2026
Loans to the public: ₪170,851M, vs. ₪139,808M a year earlier, i.e. +22.2%.
- Interest income downFirst nine months 2026
Net interest income: ₪3,428M, vs. ₪3,734M a year earlier, i.e. −8.2%.
- Deposits upFirst nine months 2026
Deposits from the public: ₪243,825M, vs. ₪233,020M a year earlier, i.e. +4.6%.
How the share reacted to the results
Results published on 12/11/2026 (report published on Maya). The reaction will be measured at the next close, from the closing price of 11/11/2026 (₪223.5). This box will be completed at the next update.
Sector indicators
Figures copied from the company's document: Q2 2026 results release. They are not included in the Maya financial summary. No opinion, no recommendation.
What the market pays, vs. the sector
This company's valuation multiples history is being built day by day from now on.
P/E calculated on net income (trailing 12 months: last fiscal year + 2026 year-to-date − same period a year earlier). Sector median: companies in the Israeli banks group tracked here. Prices: Yahoo Finance; market cap cross-checked with the Tel Aviv Stock Exchange for Israeli stocks. These ratios describe a price, not a value: none of them says whether the share is expensive or cheap.
Dividend per share, over 5 years
Total dividends per share paid each calendar year (5 year(s) out of 5 with a payment). Source: Yahoo Finance. The current year is not complete.
Trades by executives and interested parties
3 filing(s) over 12 months · on shares: 2 increase(s) and 0 decrease(s) in holdings.
| Date | Holder | Security | Direction | Quantity | Price | |
|---|---|---|---|---|---|---|
| 04/06/2026 | Nachman Nitzan Executive | Shares | Up | 400 | — | Maya › |
| 14/05/2026 | RON GRISARIU Executive | Options | Up | 3,607 | — | Maya › |
| 21/04/2026 | Nachman Nitzan Executive | Shares | Up | 600 | — | Maya › |
Filings submitted on Maya (executives, directors, shareholders above 5%). An increase or decrease in holdings may come from a purchase or sale on the exchange, but also from a grant or exercise of options (price "—": grant with no price). Bonds excluded. For details, see the filing on Maya.
P/E ranking
First International Bank is 1e Out of 5: one of the highest P/Es in the group.
- 1First International Bank10.6
- 2
Bank Leumi10.5 - 3
Mizrahi Tefahot10.4 - 4
Bank Hapoalim10.3 - 5
Israel Discount Bank9.9
P/E = market cap / net income over the last 12 months: how many years of earnings the market pays today. From highest to lowest; group median: 10.4. A high or low P/E alone does not say whether a share is expensive.
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Financial summary
| 9 months 2026 | 9 months 2025 | FY 2025 | |
|---|---|---|---|
| Total assets | 285,926 | 269,499 | 277,833 |
| Cash and bank deposits | 67,737 | 81,921 | 83,776 |
| Securities | 38,600 | 38,179 | 38,621 |
| Loans to the public | 170,851 | 139,808 | 146,374 |
| Equity attributable to shareholders | 14,533 | 14,543 | 14,614 |
| Deposits from the public | 243,825 | 233,020 | 238,509 |
| Deposits from banks | 1,080 | 1,730 | 1,906 |
| Net interest income | 3,428 | 3,734 | 4,822 |
| Credit loss expenses | 47 | 10 | −19 |
| Non-interest income | 1,657 | 1,603 | 2,100 |
| Operating expenses | 2,431 | 2,383 | 3,190 |
| Pre-tax income | 2,701 | 2,964 | 3,713 |
| Net income (attributable to shareholders) | 1,571 | 1,748 | 2,260 |
| Dividends paid | −558 | −759 | −1,195 |
| Operating cash flow | 1,630 | 1,069 | 730 |
In millions of shekels. The "H1" columns cover the first six months of the year.
Calculated from these figures
| 9 months 2026 | 9 months 2025 | FY 2025 | |
|---|---|---|---|
| Return on equity (annualized) | 14.4% | 16.0% | 15.5% |
| Cost-to-income ratio | 47.8% | 44.7% | 46.1% |
| Equity / total assets | 5.1% | 5.4% | 5.3% |
| Cost of risk (annualized; negative = provision release) | −0.0% | −0.0% | 0.0% |
| Loans / deposits from the public | 70.1% | 60.0% | 61.4% |
The 5-year history, charts and cross-check models are coming for companies listed only in Tel Aviv: each new filing on Maya is kept and enriches the page. The Piotroski, Beneish and Altman models do not apply to banks.
Company overview
First International Bank of Israel Ltd., together with its subsidiaries, provides financial and banking services to individuals, households, and businesses in Israel. The company offers deposits and savings products, and structured deposits; credit cards; mortgage services; private banking services; and mobile and online banking. It also provides capital market services, including investment advisory, securities trading, and trading systems; business banking services comprising international trade and consultancy services for investments and transactions; and commercial banking services, such as financial guidance and support of construction projects and solutions for activity in the capital market and the derivatives, as well as financing in foreign trade, and working capital. The company was incorporated in 1972 and is headquartered in Tel Aviv-Yafo, Israel.
Source: official company profile (Yahoo Finance), summary. Website: www.fibi.co.il
- Maya, Tel Aviv Stock Exchange: company page and reports