Bank Leumi Le-Israel B.M. Logo

Bank Leumi Le-Israel B.M.

LUMI.TA

(2.5)
Stock Price

3.354,00 ILA

1.07% ROA

13.48% ROE

5.69x PER

Market Cap.

42.579.165.600,00 ILA

52.49% DER

4.85% Yield

34.66% NPM

Bank Leumi Le-Israel B.M. Stock Analysis

Bank Leumi Le-Israel B.M. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank Leumi Le-Israel B.M. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (17.35%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.81x), the stock offers substantial upside potential at a bargain price.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROA

The stock's ROA (1.26%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock has a reasonable amount of debt compared to its ownership (61%), suggesting a balanced financial position and a moderate level of risk.

6 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (94), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Bank Leumi Le-Israel B.M. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank Leumi Le-Israel B.M. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bank Leumi Le-Israel B.M. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank Leumi Le-Israel B.M. Revenue
Year Revenue Growth
2003 9.191.000.000
2004 9.762.000.000 5.85%
2005 10.346.000.000 5.64%
2006 10.793.000.000 4.14%
2007 11.870.000.000 9.07%
2008 9.180.000.000 -29.3%
2009 11.586.000.000 20.77%
2010 11.525.000.000 -0.53%
2011 11.286.000.000 -2.12%
2012 10.946.000.000 -3.11%
2013 12.520.000.000 12.57%
2014 12.032.000.000 -4.06%
2015 13.216.000.000 8.96%
2016 12.979.000.000 -1.83%
2017 13.216.000.000 1.79%
2018 13.242.000.000 0.2%
2019 13.313.000.000 0.53%
2020 10.537.000.000 -26.35%
2021 16.669.000.000 36.79%
2022 17.731.000.000 5.99%
2023 21.344.000.000 16.93%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank Leumi Le-Israel B.M. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank Leumi Le-Israel B.M. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 3.670.000.000
2004 3.604.000.000 -1.83%
2005 3.925.000.000 8.18%
2006 4.957.000.000 20.82%
2007 4.743.000.000 -4.51%
2008 4.661.000.000 -1.76%
2009 5.834.000.000 20.11%
2010 651.000.000 -796.16%
2011 6.473.000.000 89.94%
2012 659.000.000 -882.25%
2013 621.000.000 -6.12%
2014 588.000.000 -5.61%
2015 608.000.000 3.29%
2016 484.000.000 -25.62%
2017 488.000.000 0.82%
2018 480.000.000 -1.67%
2019 414.000.000 -15.94%
2020 392.000.000 -5.61%
2021 317.000.000 -23.66%
2022 260.000.000 -21.92%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank Leumi Le-Israel B.M. EBITDA
Year EBITDA Growth
2003 6.142.000.000
2004 10.394.000.000 40.91%
2005 15.625.000.000 33.48%
2006 7.967.000.000 -96.12%
2007 8.024.000.000 0.71%
2008 5.677.000.000 -41.34%
2009 10.869.000.000 47.77%
2010 9.810.000.000 -10.8%
2011 17.362.000.000 43.5%
2012 2.970.000.000 -484.58%
2013 4.722.000.000 37.1%
2014 3.551.000.000 -32.98%
2015 5.094.000.000 30.29%
2016 5.142.000.000 0.93%
2017 5.463.000.000 5.88%
2018 5.477.000.000 0.26%
2019 6.005.000.000 8.79%
2020 4.169.000.000 -44.04%
2021 9.935.000.000 58.04%
2022 11.494.000.000 13.56%
2023 11.400.000.000 -0.82%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank Leumi Le-Israel B.M. Gross Profit
Year Gross Profit Growth
2003 9.191.000.000
2004 9.762.000.000 5.85%
2005 10.346.000.000 5.64%
2006 10.793.000.000 4.14%
2007 11.870.000.000 9.07%
2008 9.180.000.000 -29.3%
2009 11.586.000.000 20.77%
2010 11.525.000.000 -0.53%
2011 11.286.000.000 -2.12%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 13.242.000.000 100%
2019 13.313.000.000 0.53%
2020 10.537.000.000 -26.35%
2021 16.669.000.000 36.79%
2022 17.731.000.000 5.99%
2023 21.344.000.000 16.93%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank Leumi Le-Israel B.M. Net Profit
Year Net Profit Growth
2003 1.145.000.000
2004 1.864.000.000 38.57%
2005 2.136.000.000 12.73%
2006 3.534.000.000 39.56%
2007 3.357.000.000 -5.27%
2008 92.000.000 -3548.91%
2009 2.089.000.000 95.6%
2010 2.334.000.000 10.5%
2011 1.891.000.000 -23.43%
2012 922.000.000 -105.1%
2013 1.988.000.000 53.62%
2014 1.413.000.000 -40.69%
2015 2.835.000.000 50.16%
2016 2.791.000.000 -1.58%
2017 3.172.000.000 12.01%
2018 3.257.000.000 2.61%
2019 3.522.000.000 7.52%
2020 2.102.000.000 -67.55%
2021 6.028.000.000 65.13%
2022 7.709.000.000 21.81%
2023 7.068.000.000 -9.07%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank Leumi Le-Israel B.M. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 1 100%
2005 2 0%
2006 3 50%
2007 2 0%
2008 0 0%
2009 1 100%
2010 2 0%
2011 1 0%
2012 1 0%
2013 1 100%
2014 1 0%
2015 2 100%
2016 2 0%
2017 2 50%
2018 2 0%
2019 2 0%
2020 1 -100%
2021 4 75%
2022 5 20%
2023 5 -25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank Leumi Le-Israel B.M. Free Cashflow
Year Free Cashflow Growth
2003 2.390.000.000
2004 3.060.000.000 21.9%
2005 3.085.000.000 0.81%
2006 2.447.000.000 -26.07%
2007 2.963.000.000 17.41%
2008 4.707.000.000 37.05%
2009 18.249.000.000 74.21%
2010 -11.903.000.000 253.31%
2011 11.273.000.000 205.59%
2012 1.137.000.000 -891.47%
2013 4.320.000.000 73.68%
2014 -14.091.000.000 130.66%
2015 -4.923.000.000 -186.23%
2016 6.305.000.000 178.08%
2017 6.154.000.000 -2.45%
2018 1.160.000.000 -430.52%
2019 11.860.000.000 90.22%
2020 4.963.000.000 -138.97%
2021 4.655.000.000 -6.62%
2022 5.327.000.000 12.61%
2023 827.000.000 -544.14%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank Leumi Le-Israel B.M. Operating Cashflow
Year Operating Cashflow Growth
2003 2.864.000.000
2004 3.567.000.000 19.71%
2005 3.717.000.000 4.04%
2006 3.071.000.000 -21.04%
2007 3.660.000.000 16.09%
2008 5.422.000.000 32.5%
2009 19.008.000.000 71.48%
2010 -11.184.000.000 269.96%
2011 12.028.000.000 192.98%
2012 1.907.000.000 -530.73%
2013 4.930.000.000 61.32%
2014 -13.408.000.000 136.77%
2015 -4.296.000.000 -212.1%
2016 6.939.000.000 161.91%
2017 6.791.000.000 -2.18%
2018 1.876.000.000 -261.99%
2019 12.802.000.000 85.35%
2020 5.557.000.000 -130.38%
2021 5.198.000.000 -6.91%
2022 6.092.000.000 14.67%
2023 1.053.000.000 -478.54%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank Leumi Le-Israel B.M. Capital Expenditure
Year Capital Expenditure Growth
2003 474.000.000
2004 507.000.000 6.51%
2005 632.000.000 19.78%
2006 624.000.000 -1.28%
2007 697.000.000 10.47%
2008 715.000.000 2.52%
2009 759.000.000 5.8%
2010 719.000.000 -5.56%
2011 755.000.000 4.77%
2012 770.000.000 1.95%
2013 610.000.000 -26.23%
2014 683.000.000 10.69%
2015 627.000.000 -8.93%
2016 634.000.000 1.1%
2017 637.000.000 0.47%
2018 716.000.000 11.03%
2019 942.000.000 23.99%
2020 594.000.000 -58.59%
2021 543.000.000 -9.39%
2022 765.000.000 29.02%
2023 226.000.000 -238.5%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank Leumi Le-Israel B.M. Equity
Year Equity Growth
2004 14.986.000.000
2005 16.000.000.000 6.34%
2006 17.491.000.000 8.52%
2007 19.549.000.000 10.53%
2008 18.672.000.000 -4.7%
2010 23.293.000.000 19.84%
2011 23.374.000.000 0.35%
2012 24.921.000.000 6.21%
2013 26.425.000.000 5.69%
2014 28.093.000.000 5.94%
2015 28.767.000.000 2.34%
2016 31.347.000.000 8.23%
2017 33.167.000.000 5.49%
2018 36.161.000.000 8.28%
2019 35.874.000.000 -0.8%
2020 38.095.000.000 5.83%
2021 42.052.000.000 9.41%
2022 49.443.000.000 14.95%
2023 52.523.000.000 5.86%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank Leumi Le-Israel B.M. Assets
Year Assets Growth
2004 255.782.000.000
2005 272.824.000.000 6.25%
2006 289.341.000.000 5.71%
2007 302.151.000.000 4.24%
2008 310.792.000.000 2.78%
2010 328.322.000.000 5.34%
2011 365.854.000.000 10.26%
2012 376.160.000.000 2.74%
2013 374.540.000.000 -0.43%
2014 396.984.000.000 5.65%
2015 416.499.000.000 4.69%
2016 438.603.000.000 5.04%
2017 450.838.000.000 2.71%
2018 460.780.000.000 2.16%
2019 468.781.000.000 1.71%
2020 556.035.000.000 15.69%
2021 656.454.000.000 15.3%
2022 699.166.000.000 6.11%
2023 700.761.000.000 0.23%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank Leumi Le-Israel B.M. Liabilities
Year Liabilities Growth
2004 11.256.000.000
2005 17.253.000.000 34.76%
2006 15.622.000.000 -10.44%
2007 231.000.000 -6662.77%
2008 20.636.000.000 98.88%
2010 26.939.000.000 23.4%
2011 29.999.000.000 10.2%
2012 350.932.000.000 91.45%
2013 348.071.000.000 -0.82%
2014 370.846.000.000 6.14%
2015 387.392.000.000 4.27%
2016 406.889.000.000 4.79%
2017 417.285.000.000 2.49%
2018 17.798.000.000 -2244.56%
2019 432.907.000.000 95.89%
2020 517.940.000.000 16.42%
2021 614.402.000.000 15.7%
2022 649.723.000.000 5.44%
2023 27.569.000.000 -2256.72%

Bank Leumi Le-Israel B.M. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.33
Net Income per Share
4.91
Price to Earning Ratio
5.69x
Price To Sales Ratio
2.08x
POCF Ratio
7.2
PFCF Ratio
8.28
Price to Book Ratio
0.82
EV to Sales
-1.53
EV Over EBITDA
-2.33
EV to Operating CashFlow
-5.24
EV to FreeCashFlow
-6.06
Earnings Yield
0.18
FreeCashFlow Yield
0.12
Market Cap
42,58 Bil.
Enterprise Value
-31,16 Bil.
Graham Number
61.56
Graham NetNet
48.13

Income Statement Metrics

Net Income per Share
4.91
Income Quality
0.79
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.64
EBT Per Ebit
0.91
Ebit per Revenue
0.59
Effective Tax Rate
0.36

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.59
Pretax Profit Margin
0.54
Net Profit Margin
0.35

Dividends

Dividend Yield
0.05
Dividend Yield %
4.85
Payout Ratio
0.28
Dividend Per Share
1.36

Operating Metrics

Operating Cashflow per Share
3.89
Free CashFlow per Share
3.36
Capex to Operating CashFlow
-0.14
Capex to Revenue
-0.04
Capex to Depreciation
-1.21
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.53

Balance Sheet

Cash per Share
66,13
Book Value per Share
34,28
Tangible Book Value per Share
439.41
Shareholders Equity per Share
34.28
Interest Debt per Share
28.11
Debt to Equity
0.52
Debt to Assets
0.04
Net Debt to EBITDA
-5.52
Current Ratio
0
Tangible Asset Value
673,19 Bil.
Net Current Asset Value
73,74 Bil.
Invested Capital
0.52
Working Capital
101,31 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.65

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank Leumi Le-Israel B.M. Dividends
Year Dividends Growth
2008 118
2010 34 -257.58%
2011 61 45.9%
2017 41 -48.78%
2018 91 54.44%
2019 93 3.23%
2020 20 -365%
2021 137 85.4%
2022 112 -23.42%
2023 112 0.89%

Bank Leumi Le-Israel B.M. Profile

About Bank Leumi Le-Israel B.M.

Bank Leumi le-Israel B.M., together with its subsidiaries, provides banking and financial services in Israel, the United States, the United Kingdom, and internationally. It operates through Households, Private Banking, Micro Businesses, Small Businesses, Mid-market, Corporations, Institutional Entities, and Financial Management segments. It provides housing loans, collateral loans, and loans to purchasing groups, including mortgage planning, accompanying the customer through the mortgage process, and recycling existing loans; and working capital, acquisitions, and term loans, as well as credit lines; financial support to Israeli high-tech companies; equipment lease financing; credit cards; and online banking services, as well as wealth and cash management services. The company also offers international trade financing, loan syndications and participations, foreign currency time deposits, and dealing room services. In addition, it provides provident funds, mutual funds, study funds, pension funds, and insurance products; invests in marketable securities, market-making activity involving securities and derivatives, repurchase and lending transactions involving securities, short selling of securities, and securities' underwriting services; engages in asset and liability management activities; and provides trust and custodial services for banks. Further, the company engages in the activities, such as advisory services, sale and management of loan portfolios, and development of financial products. Additionally, it provides banking services to private customers and small businesses, largest and multinational corporations, and middle-market companies, as well as financial services to institutional customers and foreign banks. The company operates approximately 250 branches. Bank Leumi le- Israel B.M. was founded in 1902 and is headquartered in Tel Aviv-Yafo, Israel.

CEO
Mr. Hanan Shmuel Friedman
Employee
7.893
Address
24-32 Yehuda Halevi Street
Tel Aviv, 65546

Bank Leumi Le-Israel B.M. Executives & BODs

Bank Leumi Le-Israel B.M. Executives & BODs
# Name Age
1 Mr. Hanan Shmuel Friedman
President & Chief Executive Officer
70
2 Mr. Pinchas Schatz
Head of the Compliance & Enforcement Department and Chief Compliance Officer
70
3 Dr. Omer Ziv (Isr.,), CPA
Deputy Chief Executive Officer, First Executive Vice President & Head of the Capital Markets Division
70
4 Ms. Michal Alterman
First EVice President, Chief Legal Counsel, Secretary of the Bank & Head of Legal Counsel
70
5 Ms. Hagit Argov CPA
First EVice President, Head of the Finance Division & Chief Accounting Officer
70
6 Mr. Eyal Efrat
First Executive Vice President, Senior Deputy GM & Head of Strategy, Digital, Data and Projects Division
70
7 Mr. Michael Schiller
Chief Executive Officer of Bank Leumi UK
70
8 Mr. Eyal Ben-Haim
First EVice President and Head of Operations & Service Division
70
9 Mr. Sasson Elya
Chief Technology Officer & Director
70
10 Ms. Adi Molcho Weinstein
Vice President & Head of Investor Relations
70

Bank Leumi Le-Israel B.M. Competitors