Bank Hapoalim B.M. (BKHYY)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bank Hapoalim B.M. (BKHYY) with AI Score 47/100 (Weak). Bank Hapoalim B. M. is an Israeli bank providing a wide array of financial services both domestically and internationally. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 17, 2026Bank Hapoalim B.M. (BKHYY) Financial Services Profile
Bank Hapoalim B.M., established in 1921, is a prominent Israeli bank offering diverse financial services, including corporate, retail, and international banking. Operating through 175 branches and various digital channels, it serves a wide range of clients from households to large corporations, with a focus on the Israeli market and international expansion.
Investment Thesis
Bank Hapoalim B.M. presents a compelling investment case based on its established market position in Israel, a stable financial performance with a P/E ratio of 10.35 and a profit margin of 22.8%. The bank's dividend yield of 4.02% provides a steady income stream for investors. Growth catalysts include expansion of digital banking services and strategic international partnerships. 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 market, making it a noteworthy option for risk-averse investors. As of 2026-03-17, the company's market capitalization stands at $32.36 billion.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $32.36 billion, reflecting its significant presence in the Israeli banking sector.
- P/E ratio of 10.35, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 22.8%, showcasing strong profitability and efficient operations.
- Gross margin of 53.5%, demonstrating the bank's ability to manage its costs effectively.
- Dividend yield of 4.02%, offering an attractive income stream for investors.
Competitors & Peers
Strengths
- Strong market position in Israel.
- Diversified range of financial products and services.
- Extensive branch network and digital banking capabilities.
- Solid financial performance and profitability.
Weaknesses
- Limited international presence compared to global banks.
- Exposure to economic fluctuations in Israel.
- Dependence on regulatory environment in Israel.
- AI analysis pending.
Catalysts
- Ongoing: Expansion of digital banking services to attract a younger demographic and reduce operational costs.
- Ongoing: Strategic international partnerships to facilitate cross-border transactions and expand global reach.
- Ongoing: Increased focus on providing tailored financial solutions to SMEs, driving growth in the Israeli market.
- Ongoing: Development and promotion of sustainable and green financial products to appeal to environmentally conscious customers.
- Ongoing: Leveraging data analytics and AI to personalize customer services and improve operational efficiency.
Risks
- Potential: Increasing competition from both local and international banks, potentially impacting market share and profitability.
- Potential: Regulatory changes and compliance costs, which could increase operational expenses and affect financial performance.
- Potential: Cybersecurity risks and data breaches, which could damage the bank's reputation and result in financial losses.
- Potential: Economic downturns and geopolitical instability in Israel and globally, which could negatively impact loan performance and investment returns.
- Ongoing: Currency risk associated with the ADR, as fluctuations in the exchange rate between the U.S. dollar and the Israeli Shekel can affect the value of the ADR.
Growth Opportunities
- Expansion of Digital Banking Services: Bank Hapoalim can leverage the growing adoption of digital banking to expand its customer base and reduce operating costs. The global digital banking market is projected to reach $12.32 trillion by 2031, growing at a CAGR of 8.5% from 2022 to 2031. By investing in innovative digital solutions, such as mobile banking apps and online platforms, Bank Hapoalim can attract younger customers and enhance customer satisfaction. Timeline: Ongoing.
- Strategic International Partnerships: Forming strategic partnerships with international banks and financial institutions can enable Bank Hapoalim to expand its global reach and offer cross-border services to its customers. The global cross-border payments market is expected to reach $156.93 trillion by 2030, growing at a CAGR of 8.9% from 2021 to 2030. By partnering with international players, Bank Hapoalim can tap into this growing market and diversify its revenue streams. Timeline: Ongoing.
- Increased Focus on Small and Medium-Sized Enterprises (SMEs): Bank Hapoalim can capitalize on the growing demand for financial services from SMEs in Israel. SMEs are a vital part of the Israeli economy, and they require access to credit, investment, and advisory services to grow and thrive. By tailoring its products and services to meet the specific needs of SMEs, Bank Hapoalim can increase its market share and support the growth of the Israeli economy. Timeline: Ongoing.
- Development of Sustainable and Green Financial Products: With increasing awareness of environmental issues, Bank Hapoalim can develop and offer sustainable and green financial products to attract environmentally conscious customers. The global green finance market is projected to reach $48.64 trillion by 2030, growing at a CAGR of 39.8% from 2021 to 2030. By offering green loans, green bonds, and other sustainable financial products, Bank Hapoalim can enhance its brand image and attract new customers. Timeline: Ongoing.
- Leveraging Data Analytics and AI for Personalized Services: Bank Hapoalim can utilize data analytics and artificial intelligence (AI) to gain insights into customer behavior and preferences, enabling it to offer personalized financial services and improve customer satisfaction. The global AI in banking market is expected to reach $75.23 billion by 2030, growing at a CAGR of 32.8% from 2021 to 2030. By leveraging data analytics and AI, Bank Hapoalim can optimize its operations, reduce costs, and enhance its competitive advantage. Timeline: Ongoing.
Opportunities
- Expansion of digital banking services to attract younger customers.
- Strategic partnerships with international banks to expand global reach.
- Increased focus on SMEs to drive growth in the Israeli market.
- Development of sustainable and green financial products.
Threats
- Increasing competition from local and international banks.
- Regulatory changes and compliance costs.
- Cybersecurity risks and data breaches.
- Economic downturns and geopolitical instability.
Competitive Advantages
- Established brand reputation and customer loyalty in the Israeli market.
- Extensive branch network and ATM coverage across Israel.
- Strong relationships with corporate clients and government entities.
- Advanced technology infrastructure and digital banking capabilities.
About BKHYY
Bank Hapoalim B.M. was founded in 1921 and has grown to become one of Israel's leading banks. The bank provides a comprehensive suite of financial products and services to a diverse clientele, including households, private banking clients, foreign residents, small businesses, financial asset managers, middle-market business clients, and large corporations. Its operations are divided into three primary segments: Corporate Banking, Retail Banking, and Financial Markets and International Banking. The Corporate Banking division offers credit for operations and investment, guarantees, letters of credit, foreign trade services, and financial instrument transactions. The Retail Banking division focuses on account management, various credit products, deposits, savings plans, and capital market services. The Financial Markets and International Banking division handles securities, currency and derivatives trading, securities custody, research, consulting, and advisory services. Bank Hapoalim operates through an extensive network of 175 branches, hundreds of ATMs and self-service stations across Israel. The bank also provides digital banking services to cater to the evolving needs of its customers. Bank Hapoalim B.M. is based in Tel Aviv, Israel and also has international operations.
What They Do
- Provides account-management services to individuals and businesses.
- Offers credit for various purposes, including personal, business, and housing loans.
- Provides deposit and savings plans to help customers save and grow their money.
- Offers capital-market services, including securities trading and investment advice.
- Provides currency and derivatives trading services to manage risk and enhance returns.
- Offers securities custody services to protect and manage customers' assets.
- Provides pension advisory and retirement planning services to help customers prepare for retirement.
- Provides credit card services for convenient and secure transactions.
Business Model
- Generates revenue from interest on loans and other credit products.
- Earns fees from providing various financial services, such as account management, securities trading, and investment advice.
- Profits from trading securities, currencies, and derivatives.
- Manages assets for individuals and institutions, earning fees based on assets under management.
Industry Context
Bank Hapoalim B.M. operates within the regional banking industry, which is characterized by increasing competition, regulatory scrutiny, and technological advancements. The Israeli banking sector is relatively concentrated, with a few major players dominating the market. Trends include the rise of digital banking, increasing demand for personalized financial services, and growing emphasis on cybersecurity and regulatory compliance. Bank Hapoalim is positioned to capitalize on these trends through its investments in technology and customer-centric services. Competitors include other regional banks such as BLMIF (Bank Leumi Le-Israel B.M.) and CEBCF (Israel Discount Bank Ltd.).
Key Customers
- Households and individuals seeking personal banking services.
- Small businesses requiring credit and financial management solutions.
- Large corporations needing corporate banking and investment services.
- Financial asset managers seeking investment and custody services.
- Foreign residents and international businesses operating in Israel.
Financials
Chart & Info
Bank Hapoalim B.M. (BKHYY) stock price: Price data unavailable
Latest News
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Stocks That Hit 52-Week Highs On Wednesday
· Jan 29, 2020
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKHYY.
Price Targets
Wall Street price target analysis for BKHYY.
MoonshotScore
What does this score mean?
The MoonshotScore rates BKHYY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
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. Details regarding his early career and educational background are not available in the provided data. As CEO, he is responsible for overseeing the strategic direction and operational performance of the bank, managing a workforce of 8480 employees.
Track Record: Specific achievements and strategic decisions under Yadin Antebi's leadership are not available in the provided data. His tenure as CEO involves navigating the bank through a dynamic financial landscape, focusing on digital transformation and maintaining a strong market position in Israel.
Bank Hapoalim B.M. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company that trades on U.S. stock exchanges. BKHYY functions as a Level 1 ADR, meaning it trades over-the-counter (OTC) without needing to meet the strict listing requirements of exchanges like the NYSE or NASDAQ. This allows U.S. investors to invest in Bank Hapoalim more easily.
- Home Market Ticker: Tel Aviv Stock Exchange, Israel
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: BKHY
BKHYY OTC Market Information
The OTC Other tier is the lowest tier of the OTC market, indicating that Bank Hapoalim B.M. (BKHYY) may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited reporting requirements and may not be subject to the same level of scrutiny as companies listed on major exchanges like the NYSE or NASDAQ. This can result in higher risks for investors due to less transparency and potential for price volatility.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Transparency: OTC Other stocks often have limited financial disclosure, making it difficult to assess the company's financial health.
- Lower Liquidity: Lower trading volumes can lead to wider bid-ask spreads and difficulty in buying or selling shares.
- Price Volatility: The lack of liquidity and transparency can result in increased price volatility.
- Regulatory Scrutiny: OTC stocks are subject to less regulatory oversight compared to exchange-listed stocks.
- Potential for Fraud: The lower barriers to entry on the OTC market can increase the risk of fraudulent or manipulative activities.
- Verify the company's registration and legal status.
- Obtain and review available financial reports, if any.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Monitor trading volume and price activity.
- Consult with a financial advisor before investing.
- Established History: Bank Hapoalim B.M. has a long history dating back to 1921.
- Significant Market Cap: The company has a substantial market capitalization of $32.36 billion.
- Dividend Payments: The company pays a dividend, indicating a degree of financial stability.
- Regulatory Oversight: As an Israeli bank, Bank Hapoalim is subject to regulatory oversight in its home market.
What Investors Ask About Bank Hapoalim B.M. (BKHYY)
What does Bank Hapoalim B.M. do?
Bank Hapoalim B.M. is a full-service bank offering a wide range of financial products and services to individuals, businesses, and institutions. These services include retail banking, corporate banking, investment banking, and wealth management. The bank operates through a network of branches, ATMs, and digital channels, providing customers with convenient access to banking services. Its primary market is Israel, but it also has international operations. The bank generates revenue through interest income, fees, and trading activities, contributing to the financial stability of the Israeli economy.
What do analysts say about BKHYY stock?
AI analysis is pending for BKHYY stock as of 2026-03-17. Generally, analysts consider factors such as the bank's financial performance, market position, growth prospects, and risk profile when evaluating the stock. Key valuation metrics include the P/E ratio, dividend yield, and price-to-book ratio. Growth considerations include the bank's ability to expand its digital banking services, increase its market share in the SME segment, and capitalize on international opportunities. Investors should conduct their own research and consider their investment objectives before making any decisions.
What are the main risks for BKHYY?
Bank Hapoalim B.M. faces several risks, including increasing competition from local and international banks, regulatory changes and compliance costs, cybersecurity threats, and economic downturns. The bank's exposure to the Israeli economy makes it vulnerable to geopolitical instability and economic fluctuations. Additionally, as an ADR, BKHYY is subject to currency risk, as fluctuations in the exchange rate between the U.S. dollar and the Israeli Shekel can affect the value of the ADR. Effective risk management and mitigation strategies are crucial for the bank's long-term success.
What are the key factors to evaluate for BKHYY?
Bank Hapoalim B.M. (BKHYY) currently holds an AI score of 47/100, indicating low score. Key strength: Strong market position in Israel.. Primary risk to monitor: Potential: Increasing competition from both local and international banks, potentially impacting market share and profitability.. This is not financial advice.
How frequently does BKHYY data refresh on this page?
BKHYY prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven BKHYY's recent stock price performance?
Recent price movement in Bank Hapoalim B.M. (BKHYY) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong market position in Israel.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider BKHYY overvalued or undervalued right now?
Determining whether Bank Hapoalim B.M. (BKHYY) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying BKHYY?
Before investing in Bank Hapoalim B.M. (BKHYY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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
Data provided for informational purposes only.
- Information is based on available data as of 2026-03-17.
- AI analysis is pending and may provide further insights.
- OTC market data may be limited and less reliable than exchange-listed data.