Bank Hapoalim B.M. (BKHPF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 11.16 means the share price is 11.16 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $34.9B is the value of all shares combined. Beta 0.40: the stock has moved about 60% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerBank Hapoalim B.M. (BKHPF) trades at $26.71. Bank Hapoalim B.M. is an Israeli bank providing a range of financial products and services both domestically and internationally. Market cap: $34.9B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for BKHPF: BKHPF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BKHPF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
BKHPF: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bearish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Bank Hapoalim B.M. (BKHPF) Financial Services Profile
Bank Hapoalim B.M., founded in 1921 and headquartered in Tel Aviv, is a major Israeli bank offering comprehensive financial services, including retail and corporate banking, capital markets, and international banking, serving a wide array of clients through an extensive network of branches and digital channels, with a strong focus on the Israeli market.
What Is the Investment Thesis for BKHPF?
With a market capitalization of $34.9B and a P/E ratio of 11.16, the bank demonstrates financial stability and profitability, supported by a healthy profit margin of 22.8% and a gross margin of 53.5%. The dividend yield of 3.38% offers an attractive income stream for investors. Growth catalysts include expanding its digital banking services and increasing its presence in international markets. However, potential risks include regulatory changes in the financial sector and economic fluctuations in Israel and globally. The bank's beta of 0.40 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
BKHPF Key Highlights
Market capitalization of $34.9B, reflecting its significant size and influence in the Israeli banking sector.
- P/E ratio of 11.16, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 22.8%, showcasing the bank's ability to generate profit from its revenue.
- Gross margin of 53.5%, highlighting the efficiency of the bank's operations.
- Dividend yield of 3.38%, providing a steady income stream for investors.
Who Are BKHPF's Competitors?
BKHPF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| BLMIF Bank Leumi Le-Israel B.M. | $26.00 | +0.78% | $38.3B | — |
| CEBCF China Everbright Bank Company Limited | $0.35 | 0.00% | $20.7B | — |
| GBOOF Grupo Financiero Banorte, S.A.B. de C.V. | $11.54 | -3.55% | $32.0B | — |
| JPPHY Japan Post Holdings Co., Ltd. | $15.71 | +6.22% | $44.1B | — |
| BBDO Banco Bradesco S.A. | $3.22 | +0.94% | $35.1B | 955-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $83.86 | +3.24% | $39.6B | 985-pillar |
| CIB Grupo Cibest S.A. | $103.12 | +3.08% | $24.5B | 985-pillar |
| WF Woori Financial Group Inc. | $74.56 | +0.35% | $18.1B | 975-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKHPF's Key Strengths?
Strong market position in Israel.
- Diversified range of financial products and services.
- Extensive branch network and digital presence.
- Experienced management team.
What Are BKHPF's Weaknesses?
Limited international presence compared to global banks.
- Exposure to the Israeli economy, which can be volatile.
- Dependence on interest income, which is sensitive to interest rate changes.
- Operational inefficiencies.
What Could Drive BKHPF Stock Higher?
Expansion of digital banking services to attract new customers and enhance customer experience.
- Increased focus on SME lending to tap into a large and underserved market segment.
- Strategic partnerships and acquisitions to expand market reach and enhance product offerings.
- International expansion to capture a share of the growing global financial services market.
- Enhancement of wealth management services to cater to the growing demand for investment and financial planning solutions.
What Are the Key Risks for BKHPF?
Financial-distress signal — its Altman Z-Score of 0.37 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 8 reported quarters.
- Increasing competition from local and international banks could erode market share and profitability.
- Regulatory changes in the financial sector could increase compliance costs and limit business activities.
- Economic downturns in Israel and globally could reduce demand for banking services and increase credit losses.
- Cybersecurity risks and data breaches could damage the bank's reputation and result in financial losses.
- Limited liquidity due to trading on the OTC market.
What Are the Growth Opportunities for BKHPF?
- Expansion of Digital Banking Services: Bank Hapoalim has the opportunity to further expand its digital banking services to cater to the growing demand for online and mobile banking solutions. By investing in innovative technologies and user-friendly platforms, the bank can attract new customers, enhance customer experience, and reduce operational costs. The market for digital banking is expected to grow significantly, with projections estimating a global market size of $1.2 trillion by 2030. Timeline: Ongoing.
- Increased Focus on SME Lending: Small and medium-sized enterprises (SMEs) represent a significant growth opportunity for Bank Hapoalim. By offering tailored financial products and services to SMEs, the bank can tap into a large and underserved market segment. The SME lending market is projected to grow at a CAGR of 6.5% over the next five years, driven by the increasing need for financing among SMEs. Timeline: Ongoing.
- Strategic Partnerships and Acquisitions: Bank Hapoalim can pursue strategic partnerships and acquisitions to expand its market reach and enhance its product offerings. By collaborating with fintech companies or acquiring smaller banks, the bank can gain access to new technologies, customer segments, and geographic markets. The market for fintech partnerships and acquisitions is expected to remain active, with numerous opportunities for strategic alliances. Timeline: Ongoing.
- International Expansion: Bank Hapoalim has the potential to expand its international operations by targeting new markets and offering specialized financial services to international clients. By leveraging its expertise in areas such as trade finance and cross-border payments, the bank can capture a share of the growing global financial services market. The global market for financial services is projected to reach $26.5 trillion by 2027. Timeline: Ongoing.
- Enhancing Wealth Management Services: Bank Hapoalim can enhance its wealth management services to cater to the growing demand for investment and financial planning solutions among high-net-worth individuals. By offering personalized investment advice, portfolio management services, and estate planning solutions, the bank can attract and retain affluent clients. Timeline: Ongoing.
What Are BKHPF's Competitive Advantages?
- Strong brand reputation and established presence in the Israeli banking market.
- Extensive network of branches and ATMs, providing convenient access for customers.
- Diversified range of financial products and services, catering to various customer needs.
- Experienced management team and skilled workforce.
- Strong relationships with corporate clients and government entities.
What Does BKHPF Do?
Bank Hapoalim B.M. was established in 1921 and has grown to become one of Israel's leading financial institutions. Headquartered in Tel Aviv, the bank provides a comprehensive suite of banking and financial products and services both in Israel and internationally. Its operations are structured into three primary divisions: Corporate Banking, Retail Banking, and Financial Markets and International Banking. The bank offers a wide range of services, including account management, credit solutions for various purposes, deposits, and savings plans. It also provides capital market services, securities trading, currency and derivatives trading, and securities custody services. Furthermore, Bank Hapoalim offers research, consulting, advisory services, pension advisory, and retirement planning services, as well as housing loans. The bank extends credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments. It also provides investment services in foreign currency, shekels, and securities. Bank Hapoalim serves a diverse clientele, including households, private banking customers, foreign residents, small businesses, financial asset managers, middle-market business clients, and large corporations. The bank's extensive network comprises 175 branches, 601 external and 131 internal automatic teller machines, and various self-service stations, ensuring accessibility and convenience for its customers.
What Products and Services Does BKHPF Offer?
- Provides account-management services to individuals and businesses.
- Offers credit solutions for various purposes, including personal and commercial loans.
- Provides deposit and savings plans to help customers manage their finances.
- Offers capital-market services, including securities trading and investment advice.
- Provides foreign trade and international trade financing services.
- Offers investment services in various channels, such as foreign currency and securities.
- Provides asset management, investment portfolio management, and investment banking services.
- Offers credit card services.
How Does BKHPF Make Money?
- Generates revenue through interest income from loans and advances.
- Earns fees from providing various banking and financial services, such as account management and investment advice.
- Profits from trading securities, currencies, and derivatives.
- Receives commissions from underwriting and issuance management services.
What Industry Does BKHPF Operate In?
Bank Hapoalim B.M. operates within the regional banking industry, which is characterized by increasing competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate changes, economic growth, and technological advancements. Bank Hapoalim competes with other regional banks like BLMIF (Bank Leumi Le-Israel B.M.), CEBCF (Israel Discount Bank Ltd), GBOOF (Mizrahi Tefahot Bank Ltd), GBOOY (First International Bank of Israel Ltd), and JPPHY (United Mizrahi Bank Ltd). The trend towards digital banking and personalized financial services is reshaping the industry, requiring banks to invest in technology and innovation to remain competitive.
Who Are BKHPF's Key Customers?
- Households and individuals seeking personal banking services.
- Small businesses requiring financing and banking solutions.
- Middle-market business clients seeking commercial banking services.
- Large corporations requiring complex financial solutions.
- Private-banking customers and high-net-worth individuals seeking wealth management services.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
- ● Reported in ILS, converted to USD
MoonshotScore History
Recorded daily since 2026-08-23 · 20 snapshots
| 2026-08-23 | 51 |
| 2026-08-27 | 51 |
| 2026-08-31 | 51 |
| 2026-09-04 | 51 |
| 2026-09-08 | 51 |
| 2026-09-11 | 51 |
What changed?
The score has stayed at 51.
Over the same 19 days the stock moved +6.0%.
Bank Hapoalim B.M. Financial Trajectory
Bank Hapoalim B.M. (BKHPF) reported $3.79B in revenue for Jun 2026, reflecting 16.7% growth compared to the prior quarter. The company recorded net income of $819.7M, with diluted EPS of $1.86. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, BKHPF averaged $1.85 in diluted EPS.
Company Profile
Bank Hapoalim B.M. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tel Aviv, IL. The company is led by CEO Yadin Antebi. BKHPF has traded publicly since 2009.
How Bank Hapoalim B.M. Is Valued
Bank Hapoalim B.M. carries a market capitalization of $34.9B, placing it in the large-cap category.
Key Financial Metrics
Return on equity for Bank Hapoalim B.M. stands at 14.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. BKHPF trades at a trailing price-to-earnings ratio of 11.16, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 5.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 3.52 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 10.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Bank Hapoalim B.M.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.37 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Bank Hapoalim B.M. has missed Wall Street's EPS estimate in 5 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 0.7% below estimates on average.
Forward Outlook
Wall Street analysts project Bank Hapoalim B.M. revenue of about $24.79B for fiscal 2026, with EPS near $7.07.
BKHPF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong market position in Israel.
- Diversified range of financial products and services.
- Extensive branch network and digital presence.
- Experienced management team.
Bear Case
- Limited international presence compared to global banks.
- Exposure to the Israeli economy, which can be volatile.
- Dependence on interest income, which is sensitive to interest rate changes.
- Operational inefficiencies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Jun 2026 | $3.79B | $820M | $1.86 |
| Mar 2026 | $3.25B | $700M | $1.65 |
| Dec 2025 | $3.38B | $681M | $1.65 |
| Sep 2025 | $3.83B | $899M | $2.23 |
Based on FMP financials and quantitative analysis · Converted to USD from ILS at today's rate
BKHPF Latest News
No recent news available for BKHPF.
BKHPF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for BKHPF.
Price Targets
Wall Street price target analysis for BKHPF.
BKHPF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for BKHPF; grades run from A+ (80-100) to F (below 30).
Leadership: Yadin Antebi
CEO
Yadin Antebi is the CEO of Bank Hapoalim B.M. His professional background includes extensive experience in the financial services industry. As CEO, he is responsible for overseeing the bank's operations, strategic direction, and financial performance. He manages a workforce of 8480 employees.
Track Record: Details regarding Yadin Antebi's specific achievements and strategic decisions as CEO of Bank Hapoalim B.M. are not available in the provided data. Therefore, it is not possible to assess his track record or identify key milestones achieved under his leadership.
BKHPF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Bank Hapoalim B.M. (BKHPF) may have limited regulatory oversight and reporting requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier often have minimal financial disclosure and may not meet the listing standards of higher-tier OTC markets or national exchanges. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for less transparency and greater price volatility.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in BKHPF.
- Lower liquidity can lead to significant price volatility.
- The OTC Other tier has less regulatory oversight, increasing the potential for fraud or mismanagement.
- Obtaining reliable information about the company may be difficult.
- Higher bid-ask spreads can increase transaction costs.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and legal risks.
- Monitor the company's trading volume and price volatility.
- Consult with a financial advisor before investing.
- Understand the risks associated with investing in OTC stocks.
- Bank Hapoalim B.M. is an established bank founded in 1921.
- The company has a significant market capitalization of $34.9B.
- Bank Hapoalim B.M. has a large employee base of 8480.
- The company operates through multiple divisions, indicating a diversified business model.
- Bank Hapoalim B.M. has a dividend yield of 3.38%.
What Investors Ask About Bank Hapoalim B.M. (BKHPF) — Financial Services
Is BKHPF a good stock?
Stock Expert AI does not rate BKHPF buy, sell or hold. Bank Hapoalim B.M. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does Bank Hapoalim B.M. do?
Bank Hapoalim B.M. is a full-service bank providing a wide array of financial products and services to individuals, small businesses, and large corporations, both in Israel and internationally.
What are the key factors to evaluate for BKHPF?
Evaluate BKHPF on fundamentals, analyst consensus, and risk factors. P/E: 11.16x vs the S&P 500's ~20-25x. The dividend yield of 3.38% offers an attractive income stream for investors. Not financial advice.
How frequently does BKHPF data refresh on this page?
BKHPF's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven BKHPF's recent stock price performance?
Bank Hapoalim B.M. (BKHPF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Israel. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKHPF overvalued or undervalued right now?
Bank Hapoalim B.M. (BKHPF) trades at 11.16x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of BKHPF?
Yes, most major brokerages offer fractional shares of Bank Hapoalim B.M. (BKHPF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track BKHPF's earnings and financial reports?
Bank Hapoalim B.M. (BKHPF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for BKHPF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.