Israel Discount Bank Limited (ISDAY)
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 (ISDAY) trades at $95.50 with AI Score 50/100 (Grade B). Israel Discount Bank Limited provides a range of banking and financial services across Israel, Europe, and North America. Market cap: $11.68B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for ISDAY: ISDAY 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 ISDAY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ISDAY: the 1 perspectives are evenly split.
How is this calculated? →Israel Discount Bank Limited (ISDAY) Financial Services Profile
Israel Discount Bank Limited, established in 1935 and headquartered in Tel Aviv, offers diverse banking services, including retail, middle market, and corporate solutions, across Israel, Europe, and North America. With a $11.68B market cap and a dividend yield of 3.90%, it competes with regional banks while maintaining a focus on both traditional and digital banking services.
What Is the Investment Thesis for ISDAY?
Israel Discount Bank Limited presents a compelling investment case due to its established presence in the Israeli banking sector and its expansion into European and North American markets. With a market capitalization of $11.68B and a P/E ratio of 9.1, the bank demonstrates financial stability. A dividend yield of 3.90% offers investors a steady income stream. Growth catalysts include the expansion of digital banking services and strategic partnerships to enhance its market reach. However, potential risks include regulatory changes in the financial sector and increased competition from other regional and international banks. The bank's ability to maintain its profit margin of 16.4% will be crucial for sustained growth.
Based on FMP financials and quantitative analysis
ISDAY Key Highlights
- Market capitalization of $11.68B indicates a strong market valuation.
- P/E ratio of 9.1 suggests the company may be undervalued compared to its earnings.
- Profit margin of 16.4% demonstrates efficient profitability.
- Gross margin of 49.9% reflects a healthy core business performance.
- Dividend yield of 3.90% provides an attractive income stream for investors.
Who Are ISDAY's Competitors?
ISDAY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BDOUF BDO Unibank, Inc. | $2.12 | +0.00% | $113.10B | 62 |
| BPCGF Banco Comercial Português, S.A. | $1.12 | +6.67% | $16.58B | 49 |
| EGFEF Eurobank Ergasias Services and Holdings S.A. | $4.84 | +3.09% | $17.73B | 50 |
| KGTFF Krung Thai Bank Public Company Limited | $1.15 | +0.00% | $16.07B | 52 |
| KGTFY Krung Thai Bank Public Company Limited | $20.99 | +0.00% | $14.67B | 44 |
| 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 ISDAY's Key Strengths?
- Established presence in the Israeli banking market.
- Diverse range of financial services.
- Extensive branch network across Israel.
- Strong relationships with corporate clients.
What Are ISDAY's Weaknesses?
- Limited presence in international markets compared to larger global banks.
- Exposure to the Israeli economy and regulatory environment.
- Dependence on interest income, which can be affected by interest rate fluctuations.
- Potential for increased competition from fintech companies.
What Could Drive ISDAY Stock Higher?
- Expansion of digital banking services to attract younger customers and improve efficiency.
- Strategic partnerships with fintech companies to enhance service offerings and technology.
- Potential acquisitions of smaller regional banks to expand geographic reach (Timeline: 2027).
- Development of sustainable financing products to attract environmentally conscious investors.
- Further penetration into the North American market to diversify revenue streams (Timeline: 2028).
What Are the Key Risks for ISDAY?
- Financial-distress signal — its Altman Z-Score of 0.33 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from local and international banks in the Israeli market.
- Regulatory changes in the financial sector impacting capital requirements and compliance costs.
- Economic downturns in Israel or globally affecting loan performance and profitability.
- Cybersecurity threats and data breaches compromising customer data and financial stability.
- Currency fluctuations affecting the value of the ADR for U.S. investors.
What Are the Growth Opportunities for ISDAY?
- Expansion of Digital Banking Services: Investing in and expanding its digital banking platform can attract younger, tech-savvy customers and improve operational efficiency. The global digital banking market is projected to reach $1.1 trillion by 2027, offering a substantial growth opportunity for Israel Discount Bank Limited. Timeline: Ongoing.
- Strategic Partnerships and Acquisitions: Forming partnerships with fintech companies or acquiring smaller regional banks can expand its service offerings and geographic reach. This strategy can provide access to new technologies and customer segments. The value of fintech investments is expected to continue to grow, providing opportunities for strategic alliances. Timeline: Ongoing.
- Increased Focus on Wealth Management Services: Expanding its wealth management services can cater to high-net-worth individuals and generate higher fee income. The global wealth management market is projected to reach $145 trillion by 2025, presenting a significant growth opportunity. Timeline: Upcoming: 2027.
- Penetration of the North American Market: Further expansion into the North American market can diversify its revenue streams and reduce its reliance on the Israeli economy. The North American banking sector is one of the largest and most competitive in the world, offering substantial growth potential. Timeline: Upcoming: 2028.
- Development of Sustainable Financing Products: Offering sustainable financing products, such as green loans and ESG-linked bonds, can attract environmentally conscious customers and investors. The market for sustainable investments is rapidly growing, with ESG assets projected to reach $50 trillion by 2025. Timeline: Ongoing.
What Opportunities Does ISDAY Have?
- Expansion of digital banking services.
- Strategic partnerships and acquisitions.
- Increased focus on wealth management services.
- Penetration of the North American market.
What Threats Does ISDAY Face?
- Increased competition from local and international banks.
- Regulatory changes in the financial sector.
- Economic downturns affecting loan performance.
- Cybersecurity risks and data breaches.
What Are ISDAY's Competitive Advantages?
- Established brand reputation in the Israeli banking market.
- Extensive branch network across Israel, providing a physical presence.
- Diverse range of financial services catering to various customer segments.
- Long-standing relationships with corporate clients and institutional investors.
What Does ISDAY Do?
Israel Discount Bank Limited, founded in 1935 and based in Tel Aviv, has evolved into a comprehensive financial services provider with operations spanning Israel, Europe, and North America. The bank operates through several segments, including Retail Banking, Middle Market Banking, Corporate Banking, Financial Operations, Discount Capital, Discount Bancorp, and Israel Credit Cards Company. Its services encompass personal banking solutions like checking accounts, savings products, loans, mortgages, and credit cards. For businesses, it offers accounts, credit facilities, and specialized financing for various sectors, including manufacturing, construction, and real estate. The bank also provides corporate clients with investment consulting, brokerage, and capital market services, including foreign trade and export financing. With 171 branches across Israel, Israel Discount Bank Limited combines traditional banking with modern digital services to cater to a diverse clientele.
What Products and Services Does ISDAY Offer?
- Provides personal banking services including checking accounts, savings products, and loans.
- Offers mortgage and credit card services to individual customers.
- Provides accounts, credit, and loans for small businesses.
- Offers commercial business products for factories, workshops, and service providers.
- Provides corporate, residential, and commercial construction financing.
- Offers brokerage and trading services.
- Provides capital market consulting services.
- Manages securities investment portfolios for various clients.
How Does ISDAY Make Money?
- Generates revenue from interest income on loans and mortgages.
- Earns fees from banking services, such as account maintenance and transaction processing.
- Derives income from brokerage and trading activities.
- Generates revenue from capital market consulting and underwriting services.
What Industry Does ISDAY Operate In?
Israel Discount Bank Limited operates within the regional banking sector, facing competition from both local and international financial institutions. The industry is characterized by increasing digitalization, evolving regulatory landscapes, and fluctuating interest rates. The Israeli banking sector is relatively concentrated, with a few major players dominating the market. Israel Discount Bank Limited differentiates itself through its comprehensive service offerings and its presence in multiple geographic regions. The bank must adapt to changing customer preferences and technological advancements to maintain its competitive edge.
Who Are ISDAY's Key Customers?
- Individual retail customers seeking personal banking services.
- Small businesses requiring financing and banking solutions.
- Commercial enterprises needing corporate banking services.
- High-net-worth individuals seeking wealth management services.
- Corporations and institutional bodies requiring investment portfolio management.
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. ISDAY has traded publicly since 2021.
How Israel Discount Bank Limited Is Valued
Israel Discount Bank Limited carries a market capitalization of $11.68B, placing it in the large-cap category. Relative to its peer group, ISDAY's quantitative score of 50/100 is roughly in line with the peer average of 51/100.
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. ISDAY trades at a trailing price-to-earnings ratio of 9.13, 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 0.33 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Israel Discount Bank Limited revenue of about $38.88B for fiscal 2026, with EPS near $0.00.
ISDAY 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 prospects, indicating potential undervaluation or positive internal expectations.
- The overall sentiment within the social trading community has been leaning bullish, with many expressing optimism about Israel's economic stability and ISDAY's role within it.
- Market perception seems to be improving, with analysts noting ISDAY's strategic positioning to capitalize on Israel's growing fintech sector.
- ISDAY's recent initiatives in digital banking and customer service are being viewed positively, potentially attracting a younger, tech-savvy clientele.
Bear Case
- Some community members are expressing concerns about ISDAY's exposure to certain sectors facing economic headwinds, potentially impacting loan performance.
- There's a perception that ISDAY's growth might be limited compared to its peers due to its more conservative approach to risk management.
- Recent market developments, including increased regulatory scrutiny on banking practices in Israel, could pose challenges for ISDAY.
- Despite positive sentiment, some traders are wary of potential geopolitical risks impacting the Israeli economy, which could indirectly affect ISDAY's performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
ISDAY Latest News
-
Israel Discount Bank (TASE:DSCT) Valuation Check After Recent Share Price Pullback
Yahoo! Finance: ISDAY News · May 26, 2026
-
Israel Discount Bank Ltd (ISDAF) Q1 2026 Earnings Call Highlights: Robust Credit Growth and ...
Yahoo! Finance: ISDAY News · May 20, 2026
ISDAY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ISDAY.
Price Targets
Wall Street price target analysis for ISDAY.
ISDAY MoonshotScore
What does this score mean?
The MoonshotScore rates ISDAY'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 serves as the CEO of Israel Discount Bank Limited, overseeing the operations of over 8625 employees. His career spans several decades in the financial services industry, with a focus on strategic leadership and operational efficiency. He has held various executive positions in leading financial institutions, demonstrating expertise in banking, investment management, and risk management. His educational background includes advanced degrees in finance and business administration.
Track Record: Under Avraham Levy's leadership, Israel Discount Bank Limited has focused on expanding its digital banking capabilities and strengthening its market position in key sectors. He has overseen strategic initiatives to improve customer service, enhance operational efficiency, and drive revenue growth. His tenure has been marked by a commitment to innovation and a focus on sustainable financial performance.
Israel Discount Bank Limited ADR Information Unsponsored
An American Depositary Receipt (ADR) like ISDAY represents shares of a foreign company (Israel Discount Bank Limited) held by a U.S. depositary bank. It allows U.S. investors to trade shares of a foreign company on U.S. exchanges, simplifying the process of investing in international markets. ISDAY represents ownership in ISDA shares.
- Home Market Ticker: Tel Aviv Stock Exchange (TASE), Israel
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: ISDA
ISDAY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market, indicating that Israel Discount Bank Limited (ISDAY) has limited reporting requirements and may not meet the listing standards of exchanges like the NYSE or NASDAQ. Companies on this tier often have minimal financial disclosure, increasing the risk for investors compared to those on higher-tier exchanges, where stricter regulations and reporting standards apply, ensuring greater transparency and investor protection.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in ISDAY.
- Low trading volume and wide bid-ask spreads can make it difficult to buy or sell shares.
- Lack of regulatory oversight increases the potential for fraud and manipulation.
- The company may not meet the listing standards of major exchanges.
- The OTC Other tier is generally considered to be the riskiest segment of the OTC market.
- Verify the company's registration and legal status.
- Obtain and review the company's financial statements, if available.
- Assess the company's management team and their track record.
- Evaluate the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC securities.
- Consult with a financial advisor before making any investment decisions.
- Check for any regulatory actions or legal proceedings involving the company.
- The company has been in operation since 1935.
- Israel Discount Bank Limited is a well-known brand in Israel.
- The company has a large number of employees (8625).
- The company has a market capitalization of $11.68B.
- The company pays a dividend, which suggests financial stability.
ISDAY Financial Services Stock FAQ
What does Israel Discount Bank Limited do?
Israel Discount Bank Limited provides a comprehensive suite of banking and financial services across Israel, Europe, and North America. Its services range from personal banking solutions like checking accounts and mortgages to commercial and corporate banking services, including loans, credit facilities, and capital market consulting. The bank operates through multiple segments, catering to retail, middle market, and corporate clients, and also offers wealth management and brokerage services. With a strong presence in Israel and expanding international operations, it aims to provide tailored financial solutions to a diverse clientele.
What are the main risks for ISDAY?
The main risks for Israel Discount Bank Limited include increased competition from local and international banks, regulatory changes in the financial sector, economic downturns affecting loan performance, and cybersecurity threats. Currency fluctuations also pose a risk for U.S. investors holding the ADR. The bank's ability to manage these risks effectively will be crucial for maintaining its financial stability and profitability. Investors should carefully consider these factors before investing.
What are the key factors to evaluate for ISDAY?
Israel Discount Bank Limited (ISDAY) holds an AI score of 50/100 (moderate). P/E: 9.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ISDAY data refresh on this page?
ISDAY 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 ISDAY's recent stock price performance?
Israel Discount Bank Limited (ISDAY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the Israeli banking market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ISDAY overvalued or undervalued right now?
Israel Discount Bank Limited (ISDAY) trades at 9.1x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ISDAY?
Before investing in Israel Discount Bank Limited (ISDAY), 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).
Why might investors consider adding ISDAY to a portfolio?
Key strength of Israel Discount Bank Limited (ISDAY): Established presence in the Israeli banking market. Weigh rewards against risks and diversify. Not financial advice.
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.
- AI analysis is pending and will provide further insights into the company's performance and outlook.
- OTC market data may be less reliable than data from major exchanges.