Bank of Jerusalem Ltd.

ILA 1,724As of Sun 8 Nov 2026, 12:00 UTC

TASE:JBNKFinancials

Country Israel

PE (Fwd) •••

TSR 10Y CAGR 13.22%

Div yield 6.40%

ROTE 10.86%

Banks (Regional)

Beta (5Y) 0.38

PE TTM 6.736

TSR TTM (21.87%)

Mkt cap ILS 1.216B

NIM —

SE Grade™

Value

Quality

Moat

Consensus

Reference

ILA 2,158

25.15%

145.43%

Hold 12|3|4|11|9

TTM

FYE 31 Dec ILS

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

88.73

RevenueILS M

188.9

196.3

207.2

217.4

229.3

235.7

246.0

258.2

269.9

281.8

96.68

4.21%

4.47%

4.93

Revenue growth%

5.07

2.87

0.40

2.80

0.98

3.28

1.19

2.33

5.07

5.22

28.88

3.28

2.83

15.03

NIM%

7.29

5.64

6.14

5.04

5.42

3.95

2.19

4.87

5.24

8.17

15.49

4.87

5.33

9.72

Effic. R.%

12.40

10.36

7.64

7.70

6.86

4.76

3.89

5.38

6.85

9.44

29.80

5.38

7.25

6.07

Net margin%

11.62

12.42

14.70

16.80

16.34

13.55

14.82

17.67

18.29

17.85

22.94

17.67

15.58

27.49

P/E ratio (avg)x

14.43

15.87

14.89

16.88

15.88

17.12

18.68

19.55

21.58

24.11

8.591

19.55

17.00

13.12

P/TBVx

15.29

17.26

17.03

17.27

18.18

18.52

18.01

18.39

16.50

15.91

28.98

18.01

17.27

23.87

P/Bx

14.73

13.92

12.74

12.46

11.88

12.24

10.73

10.20

11.13

11.70

11.21

11.13

12.06

61.71

NIIILS M

147.3

151.5

160.1

168.7

177.6

181.5

191.7

198.5

208.2

217.5

162.6

4.14%

4.47%

—

23.52

NII grth%

18.65

21.59

20.74

19.47

21.88

19.14

17.02

18.32

17.08

18.71

26.24

18.32

18.92

13.95

ROTE%

19.03

17.90

16.15

16.18

15.11

12.87

13.74

16.21

15.60

18.57

29.79

15.60

16.16

27.42

Return on equity%

17.75

16.13

15.05

14.24

13.32

12.56

12.14

11.77

10.34

8.40

28.32

11.77

12.94

10.56

Return on assets%

12.99

10.09

11.29

13.92

14.28

15.41

16.67

15.83

17.11

17.53

14.46

16.67

14.85

3.00

EPSILS

2.70

2.71

2.77

2.82

3.23

3.79

4.19

4.28

5.10

5.40

3.24

10.83%

7.09%

—

15.97

EPS growth%

33.53

34.57

37.14

35.31

33.86

34.84

36.62

37.26

35.17

38.00

9.16

36.62

35.24

0.72

Bookvalue per shILS

1.63

1.64

1.61

1.72

1.66

1.64

1.59

1.78

1.76

1.97

1.33

3.52%

2.92%

—

1.50

TBV/shILS

1.91

2.08

2.26

2.49

2.33

2.15

2.45

2.70

2.81

2.97

0.95

4.93%

5.55%

—

0.75

Dividend per shILS

1.19

1.23

1.37

1.30

1.40

1.47

1.52

1.70

1.66

1.61

0.88

2.80%

3.20%

—

9.94

Div yield (avg)%

21.71

21.99

23.88

25.76

28.66

28.91

30.84

33.26

32.98

31.95

22.34

31.95

28.78

10.51

Payout ratio%

12.39

13.03

13.96

14.87

15.22

14.08

15.22

12.50

13.13

12.88

24.50

13.13

13.55

69.70

Shares (diluted)M

66.38

70.03

64.03

71.79

64.64

69.24

64.96

70.38

66.11

66.38

71.76

0.53%

(0.37%)

20.71

Buyback yield%

5.02

5.73

3.41

5.99

4.33

2.38

1.75

0.40

21.63

0.40

2.89

115.03

Eq/Assets%

104.43

111.04

110.75

124.34

132.73

118.40

122.71

134.26

134.61

135.32

25.94

134.26

123.53

0.190

AssetsILS B

0.680

0.757

0.850

0.912

0.959

1.074

1.199

1.376

1.429

1.622

0.024

11.09%

9.74%

44.32

LT debtILS M

41.21

36.23

33.75

32.31

29.09

29.24

26.08

23.61

20.64

19.74

192.7

(7.46%)

(6.83%)

Peers (US$382.3M)

Cap (US$)

First International…

7.195B

10.68x

F.I.B.I. Holdings Ltd

3.223B

9.920x

Export Investment Co.…

208.2M

4.641x

Schweizerische…

382.6M

—

Capital

TTM

10Y

Tang eq%

12.13

9.13

12.17

LT debt%

23.37

1.72

2.88

Cash%

78.18

14.36

14.44

Sh yield%

30.64

32.59

32.05

Owners

Insiders/Inst%

4.21

21.06

Short interest%

3.02

SBC / revenue%

5.58

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

ROE range%

8–18

$1 testx

0.0

Incr. ROIC%

—

Bank of Jerusalem Ltd. provides commercial banking services in Israel. The company offers deposit products, such as saving, digital, and checking accounts; structured deposit products; personal loans, such as new and used car loans, and loans secured by deposits; mortgage loans; and foreign currency loans.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Total assets

ILS 1.622B

9.74%

1.64×

Revenue

ILS 281.8M

4.47%

1.00×

Non-interest expense

ILS 140.1M

4.61%

1.01×