Israel Discount Bank Limited (ISDAF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Israel Discount Bank Limited (ISDAF) trades at $11.25. Israel Discount Bank Limited (ISDAF) is a prominent financial institution based in Israel, offering a wide range of banking and financial services to individuals and businesses. Market cap: $13.76B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for ISDAF: ISDAF 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 ISDAF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ISDAF: 1/1 perspectives are bearish.
How is this calculated? →Israel Discount Bank Limited (ISDAF) Financial Services Profile
Israel Discount Bank Limited (ISDAF) is a full-service commercial bank providing a comprehensive suite of financial products and services, including retail, corporate, and investment banking, with a strong emphasis on personal service and local market expertise.
What Is the Investment Thesis for ISDAF?
Israel Discount Bank Limited (ISDAF) presents a solid investment thesis characterized by a market capitalization of $13.76B and a P/E ratio of 8.8, indicating potential value relative to earnings. The bank's profit margin of 16.1% and gross margin of 50.1% reflect operational efficiency and profitability. Key growth catalysts include the expansion of digital banking services, which aims to capture the growing demand for online financial solutions. The bank's established presence in Israel, coupled with its diversified service offerings, positions it well to leverage opportunities in both the retail and corporate banking sectors. However, investors should be mindful of potential risks, including regulatory changes in the financial sector and competition from fintech disruptors, which could impact profitability and market share.
Based on FMP financials and quantitative analysis
ISDAF Key Highlights
- Market capitalization of $13.76B, indicating significant market presence.
- P/E ratio of 8.8, suggesting potential undervaluation compared to peers.
- Profit margin of 16.1%, demonstrating strong operational efficiency.
- Gross margin of 50.1%, reflecting effective cost management.
- Dividend yield of 5.20%, providing a steady income stream for investors.
Who Are ISDAF's Competitors?
ISDAF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AGESF ageas SA/NV | $75.19 | +0.00% | $15.47B | 47 |
| CRDIY Yokohama Financial Group, Inc. | $35.93 | +5.43% | $13.31B | 44 |
| AGRPY Absa Group Limited | $27.86 | -4.13% | $11.54B | 63 |
| BPHLF Bank of the Philippine Islands | $2.00 | +0.00% | $10.59B | 52 |
| BKKPF Bangkok Bank Public Company Limited | $5.75 | +5.50% | $10.98B | 56 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ISDAF's Key Strengths?
- Strong market position as one of Israel's largest banks with a comprehensive service portfolio.
- Robust profitability metrics, including a profit margin of 16.1% and gross margin of 50.1%.
- Established brand reputation and customer trust built over decades of operation.
- Diverse revenue streams from retail, corporate, and investment banking services.
What Are ISDAF's Weaknesses?
- Exposure to regulatory changes in the Israeli banking sector.
- Listing on the OTC Other tier may lead to lower liquidity compared to major exchanges.
- Potential vulnerability to competition from fintech disruptors and alternative financial services.
- Dependence on the Israeli market, which may limit international growth opportunities.
What Could Drive ISDAF Stock Higher?
- Launch of enhanced digital banking platform aimed at improving customer engagement.
- Expansion of corporate banking services to support infrastructure projects in Israel.
- Introduction of sustainable finance products to meet growing ESG demand.
- Continuous investment in technology to streamline operations and enhance service delivery.
- Strategic partnerships with fintech companies to bolster service offerings.
What Are the Key Risks for ISDAF?
- Financial-distress signal — its Altman Z-Score of 0.34 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes in the Israeli banking sector that may impact operations.
- Competition from fintech disruptors challenging traditional banking models.
- Economic downturns affecting consumer and business banking activities.
- Geopolitical tensions in the region that may pose risks to financial stability.
What Are the Growth Opportunities for ISDAF?
- Digital Banking Expansion: Israel Discount Bank is investing in digital banking technologies to enhance customer experience and streamline operations. The global digital banking market is projected to grow at a CAGR of 12% from 2023 to 2030, creating significant opportunities for ISDAF to capture new customers and increase transaction volumes through digital channels.
- Corporate Financing Solutions: The bank aims to expand its corporate banking services, particularly in financing residential and commercial construction projects. The construction sector in Israel is expected to grow by 5% annually, providing ISDAF with opportunities to offer tailored financing solutions to corporate clients and capitalize on infrastructure development.
- International Banking Services: With its presence in Europe and North America, ISDAF can leverage cross-border banking services to attract international clients. The demand for international banking services is rising, particularly among businesses engaged in foreign trade, providing a substantial growth avenue for the bank.
- Sustainable Finance Initiatives: Israel Discount Bank is focusing on sustainable finance, offering green loans and investment products. The global sustainable finance market is expected to reach $30 trillion by 2030, allowing ISDAF to align its offerings with growing environmental and social governance (ESG) trends and attract socially conscious investors.
- Wealth Management Services: The bank is enhancing its wealth management offerings to cater to high-net-worth individuals. The global wealth management market is projected to grow at a CAGR of 7% through 2025, providing ISDAF with opportunities to expand its client base and increase fee-based income through investment advisory and portfolio management services.
What Opportunities Does ISDAF Have?
- Expansion of digital banking services to capture growing online customer base.
- Growth in corporate financing solutions aligned with infrastructure development in Israel.
- Increasing demand for sustainable finance products and services.
- Enhancement of wealth management offerings to attract high-net-worth individuals.
What Threats Does ISDAF Face?
- Intensifying competition from fintech companies and digital banks.
- Economic fluctuations that could impact consumer and business banking activities.
- Regulatory risks associated with compliance and changes in banking laws.
- Geopolitical tensions in the region that may affect financial stability.
What Are ISDAF's Competitive Advantages?
- Established brand reputation and trust within the Israeli banking sector.
- Comprehensive service offerings catering to diverse customer segments.
- Strong local presence with a network of 171 branches across Israel.
- Expertise in capital markets and investment advisory, providing a competitive edge.
- Commitment to digital transformation, enhancing customer experience and operational efficiency.
What Does ISDAF Do?
Established in 1935, Israel Discount Bank Limited (ISDAF) has evolved into one of Israel's largest banking institutions, headquartered in Tel Aviv. The bank has built a robust operational framework through its various divisions, including Retail Banking, Middle Market Banking, Corporate Banking, and Financial Operations. It caters to a diverse clientele, offering personal banking services such as current accounts, savings products, loans, and credit facilities. Additionally, it provides specialized services for small businesses and corporate clients, including financing for construction and infrastructure projects. With a network of 171 branches across Israel, the bank maintains a strong local presence while also extending its services to Europe and North America. The bank's subsidiaries, including Discount Capital and Discount Bancorp, enhance its capabilities in capital markets and investment advisory services. Israel Discount Bank is committed to leveraging technology for enhanced customer experience, offering online and digital banking solutions alongside traditional banking services. Its comprehensive approach to banking ensures it meets the needs of individual clients, small businesses, and large corporations alike, positioning it as a key player in the regional banking sector.
What Products and Services Does ISDAF Offer?
- Offer a full range of personal banking services, including current accounts, savings products, and loans.
- Provide tailored banking solutions for small businesses and corporate clients.
- Engage in capital market activities, including underwriting and securities trading.
- Facilitate international banking services, including foreign currency exchange and trade financing.
- Manage investment portfolios for individual and institutional clients.
- Deliver online and digital banking solutions for enhanced customer convenience.
How Does ISDAF Make Money?
- Generate revenue through interest income from loans and credit facilities.
- Earn fees from transaction services, investment advisory, and wealth management.
- Facilitate capital market transactions, including underwriting and trading services.
- Provide foreign exchange services and commercial payment solutions.
- Manage investment portfolios for clients, generating management fees.
What Industry Does ISDAF Operate In?
The regional banking industry is characterized by increasing competition and rapid technological advancements, particularly in digital banking. Israel Discount Bank Limited operates in a market where traditional banks face challenges from fintech companies offering innovative financial solutions. The banking sector in Israel is expected to grow at a steady pace, driven by increasing consumer demand for diverse financial products and services. As one of the leading banks in Israel, ISDAF is well-positioned to capitalize on these trends, leveraging its established reputation and extensive service offerings to maintain its competitive edge.
Who Are ISDAF's Key Customers?
- Individual clients seeking personal banking services and financial products.
- Small businesses requiring tailored banking solutions and financing options.
- Corporate clients needing comprehensive banking services and investment consulting.
- High-net-worth individuals looking for wealth management and investment advisory.
- Non-profit organizations and institutional clients seeking portfolio management services.
FY2026 estForward Outlook
Wall Street analysts project Israel Discount Bank Limited revenue of about $15.22B for fiscal 2026, with EPS near $3.55.
Quarterly Financial Performance: Israel Discount Bank Limited
Revenue for Israel Discount Bank Limited came in at $5.85B during Q1 2026, a 1.3% contraction versus the preceding quarter. The company recorded net income of $924.2M, with diluted EPS of $2.36. Revenue has contracted over three consecutive quarters, which investors in this large-cap Financial Services stock should monitor closely. Across the four most recent quarters, ISDAF averaged $1.60 in diluted EPS.
ISDAF Valuation & Market Position
With a $13.76B market cap, Israel Discount Bank Limited sits in the large-cap segment of the market.
ROE 12%Key Financial Metrics
Return on equity for Israel Discount Bank Limited stands at 12.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. ISDAF trades at a trailing price-to-earnings ratio of 8.77, below the Financial Services sector average of ~18x. Its free cash flow yield is 11.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 4.39 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 11.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Israel Discount Bank Limited's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.34 places it in the distress zone, a signal of elevated financial risk.
4/7 beatsEarnings Track Record
Israel Discount Bank Limited has beaten Wall Street's EPS estimate in 4 of its last 7 reported quarters — more hits than misses. Reported results have landed about 8.2% above estimates on average.
Company Profile
Israel Discount Bank Limited operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tel Aviv, IL. The company is led by CEO Avraham Levy. ISDAF has traded publicly since 2023.
ISDAF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the bank's future performance, indicating that leadership believes in a positive outlook.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong customer service and innovative digital banking solutions.
- Analysts have noted improvements in operational efficiency, which could enhance profitability in the coming quarters.
- The overall economic environment in Israel shows signs of stability, which may bode well for the banking sector as a whole.
Bear Case
- Concerns over geopolitical tensions in the region could impact the bank's operations and investor confidence.
- Recent discussions in the community reflect worries about rising interest rates potentially squeezing margins for banks.
- Some analysts point out that competition from fintech companies is increasing, which could challenge traditional banking models.
- Market sentiment remains cautious, with bears emphasizing the need for the bank to adapt quickly to changing consumer preferences and technologies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $5.85B | $924M | $2.36 |
| Q4 2025 | $5.93B | $856M | $2.20 |
| Q3 2025 | $6.71B | $1.13B | $0.92 |
| Q2 2025 | $6.52B | $1.11B | $0.90 |
Based on FMP financials and quantitative analysis
ISDAF Latest News
No recent news available for ISDAF.
ISDAF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ISDAF.
Price Targets
Wall Street price target analysis for ISDAF.
ISDAF MoonshotScore
What does this score mean?
The MoonshotScore rates ISDAF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Avraham Levy
CEO
Avraham Levy has extensive experience in the banking sector, having held various leadership roles within Israel Discount Bank since joining the organization. He holds a degree in Business Administration and has a strong track record in driving operational efficiency and strategic growth initiatives. His leadership style emphasizes customer-centricity and innovation.
Track Record: Under Avraham Levy's leadership, Israel Discount Bank has successfully expanded its digital banking capabilities and enhanced its service offerings, resulting in improved customer satisfaction and retention. He has also overseen significant investments in technology to streamline operations and increase competitiveness.
ISDAF OTC Market Information
The OTC Other tier indicates that Israel Discount Bank Limited trades on the over-the-counter market, which is less regulated than major exchanges like NYSE or NASDAQ. This tier often includes stocks that may not meet the listing requirements of larger exchanges, potentially leading to lower visibility and trading volume.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks listed on major exchanges, which may affect trading.
- Potential for higher volatility in stock price due to limited market participation.
- Regulatory risks associated with OTC trading and compliance requirements.
- Limited analyst coverage may result in less market information for investors.
- Review the bank's financial statements and performance metrics.
- Assess the regulatory environment and potential impacts on operations.
- Evaluate the bank's competitive position within the regional banking sector.
- Examine growth strategies and expansion plans in digital banking.
- Investigate management's track record and strategic vision.
- Established history and reputation as one of Israel's largest banks.
- Comprehensive range of banking and financial services offered.
- Regulatory compliance with Israeli banking authorities.
- Presence of a skilled management team with industry experience.
What Investors Ask About Israel Discount Bank Limited (ISDAF) — Financial Services
What does Israel Discount Bank Limited do?
Israel Discount Bank Limited provides a comprehensive range of banking and financial services, including personal banking, corporate banking, and investment advisory. It caters to individuals, small businesses, and corporations, offering products such as current accounts, loans, credit facilities, and capital market services. The bank operates through various divisions, ensuring a diverse service portfolio that meets the needs of its clients.
What do analysts say about ISDAF stock?
Analysts generally view Israel Discount Bank Limited as a solid player in the regional banking sector, emphasizing its strong profitability metrics and market position. Key valuation metrics, such as a P/E ratio of 8.8, suggest potential value relative to earnings. The bank's focus on digital transformation and expansion into corporate banking are seen as positive growth considerations, although investors are advised to monitor regulatory changes and competitive pressures.
What are the main risks for ISDAF?
Israel Discount Bank Limited faces several risks, including potential regulatory changes that could impact its operations and profitability. The bank is also exposed to competition from fintech companies that are rapidly transforming the banking landscape. Additionally, economic fluctuations and geopolitical tensions in the region may pose threats to financial stability, affecting both consumer and business banking activities.
What are the key factors to evaluate for ISDAF?
Evaluate ISDAF on fundamentals, analyst consensus, and risk factors. P/E: 8.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ISDAF data refresh on this page?
ISDAF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ISDAF's recent stock price performance?
Israel Discount Bank Limited (ISDAF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position as one of Israel's largest banks with a comprehensive service portfolio. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ISDAF overvalued or undervalued right now?
Israel Discount Bank Limited (ISDAF) trades at 8.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ISDAF?
Before investing in Israel Discount Bank Limited (ISDAF), 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.
- The financial data is based on the latest available reports and may be subject to updates and revisions.