Bank Hapoalim BM stock analysis
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Bank Hapoalim BM (BKHYY) Stock Price & Analysis
BKHYY Stock Chart & Stats
- Day’s Range
- $116.92 - $116.92
- 52-Week Range
- $104.57 - $144.95
- Previous Close
- $120.19
- Volume
- N/A
- Average Volume (3M)
- 833
- Market Cap
- $31.43B
- Enterprise Value
- $32.92B
- Total Cash (Recent Filing)
- $61.29B
- Total Debt (Recent Filing)
- $69.61B
- Price to Earnings (P/E)
- 10.4
- Beta
- 0.29
- Next Earnings
- Nov 16, 2026 (Est.)
- EPS Estimate
- 3.09
- Last Dividend Ex-Date
- Aug 24, 2026
- Dividend Yield
- 4.19%
Bulls Say, Bears Say
Bulls Say
Diversified Credit Growth
Broad-based credit expansion indicates strong customer demand across multiple lending franchises rather than reliance on one segment. A larger, diversified loan book can support recurring interest income and deepen customer relationships, provided asset quality remains controlled.
Strong Asset Quality
Very low non-performing loans and substantial coverage provide resilience against credit deterioration and reduce the likelihood that future losses materially disrupt earnings. This asset-quality profile supports more predictable profitability as the bank continues expanding its credit book.
Operating Efficiency
Lower expenses and a strong cost-income ratio show that the bank is converting revenue into profit efficiently. Sustained expense discipline can protect margins, support returns on equity, and provide operating leverage if revenue growth continues over the coming quarters.
Bears Say
Rising Balance-sheet Leverage
The sharp increase in debt-to-equity indicates a more debt-funded balance sheet and greater sensitivity to funding costs and credit cycles. Higher leverage can reduce financial flexibility and make earnings more vulnerable if market conditions or asset quality weaken.
Special Bank Tax Reduces Returns
The special tax creates a recurring drag on reported returns rather than a one-time operating issue. Lower after-tax ROE can constrain retained earnings, reduce the capacity to compound capital internally, and make shareholder returns more dependent on continued operating growth.
Potential Net Interest Margin Pressure
Net interest income is a core earnings driver, so weaker rates could compress the spread between loan yields and funding costs. This risk is especially relevant because recent financial-margin improvement benefited significantly from CPI, which may not persist at the same level.
Bank Hapoalim BM News
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Bank Hapoalim BM Stock Smart Score
Company Description
Bank Hapoalim BM
Bank Hapoalim B.M., an Israeli financial institution established in Tel Aviv in 1921, delivers a wide array of banking and financial services to clients across Israel and internationally. The company organizes its extensive operations into three primary segments: Corporate Banking, Retail Banking, and Financial Markets and International Banking. The bank offers fundamental banking provisions such as account administration, diverse forms of credit (including consumer loans for various purposes, mortgages, financing for routine business operations, investment funding, and construction projects), deposit accounts, and savings schemes. Its capital markets expertise covers trading in securities, currencies, and derivatives, alongside comprehensive investment services spanning foreign currency, Israeli shekels, and other financial instruments. Furthermore, it provides securities custody, in-depth research, consulting, advisory, investment portfolio management, investment banking, underwriting, and issuance management. For businesses and international trade, Bank Hapoalim facilitates transactions with guarantees, letters of credit, foreign and international trade financing, project funding (including infrastructure initiatives), working capital solutions, syndication, and credit-risk sales. The institution also offers pension advisory, retirement planning, credit cards, payment clearing, dealing-room services, and federal deposit insurance. Serving a diverse clientele that includes individual households, private wealth clients, international residents, small and mid-sized businesses, large corporations, and financial asset managers, the bank ensures broad accessibility. This is achieved through an extensive physical network comprising 175 branches, a substantial number of external and internal automated teller machines (601 external, 131 internal), numerous check deposit machines (126 external, 216 internal), information stations, self-service terminals, and night safes.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Yadin Antebi
- Employees
- 8,409
- Website
- www.bankhapoalim.co.il
- Address
- 50 Rothschild Boulevard, Tel Aviv, TA, 6688314, IL
Bank Hapoalim BM (BKHYY) Earnings & Revenues
BKHYY Company Deck
BKHYY Earnings Call
Earnings Call SentimentPositive
The call communicated solid operational and financial performance: strong profitability (ROE and net profit growth), diversified credit growth, low NPLs with robust coverage, improved margins (helped by CPI), expense control and strong liquidity. Management reiterated capital discipline and attractive shareholder returns (50% payout). Key headwinds flagged include the special bank tax which trims ROE, modest moderation in capital buffers due to fast growth and high distributions, potential NIM pressure from expected rate cuts, and cautious housing market dynamics. On balance, the positive operational metrics and guidance outweigh the noted risks.
View all BKHYY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 2 | 4 | 4 |
| Moving Averages | 2 | 0 | 10 |












