Leumi stock analysis
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Leumi (LUMI) Stock Price & Analysis
LUMI Stock Chart & Stats
- Day’s Range
- ILA 7,362.00 - ILA 7,526.00
- 52-Week Range
- ILA 6,423.66 - ILA 8,020.00
- Previous Close
- ILA 7,548.00
- Volume
- N/A
- Average Volume (3M)
- 2.98M
- Market Cap
- ILS 110.80B
- Enterprise Value
- ILS 72.15B
- Total Cash (Recent Filing)
- ILS 129.48B
- Total Debt (Recent Filing)
- ILS 103.29B
- Price to Earnings (P/E)
- 10.8
- Beta
- 0.86
- Next Earnings
- Nov 17, 2026 (Est.)
- EPS Estimate
- 168.7
- Last Dividend Ex-Date
- Aug 20, 2026
- Dividend Yield
- 4.49%
Bulls Say, Bears Say
Bulls Say
Loan And Revenue Growth
Strong loan expansion, especially 13% corporate lending growth, indicates sustained customer demand and market penetration. Rising revenue and pre-provision income provide a durable base for earnings growth if underwriting remains disciplined.
Structural Efficiency Gains
Leumi’s AI investment, dedicated AI center and lower operating costs can create lasting scale advantages. A very low cost/income ratio supports resilient profitability and gives the bank flexibility to invest while maintaining returns.
Credit Quality And Capital Strength
Low nonperforming loans, strong provisioning coverage and substantial excess capital reduce balance-sheet risk. This financial capacity supports continued lending and shareholder distributions while preserving resilience through economic stress.
Bears Say
Rising Balance-sheet Leverage
Increasing leverage reduces financial flexibility and could amplify pressure if credit losses rise or funding conditions worsen. Although asset growth is expanding earnings capacity, the trend requires disciplined capital and risk management.
Volatile Cash Conversion
Uneven operating and free cash flow makes earnings conversion less predictable than reported profitability. Persistent volatility could constrain internally funded growth or distributions and complicate planning if market or credit conditions deteriorate.
Net Interest Margin Pressure
Lower rates and tighter loan and deposit spreads can weigh on Leumi’s core net interest income, its primary earnings driver. Continued margin pressure would limit the benefit of loan growth and challenge the sustainability of current profitability.
Leumi News
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Company Description
Leumi
Bank Leumi Le-Israel B.M. operates as a leading financial institution, delivering a comprehensive suite of banking and financial services throughout Israel, the United States, the United Kingdom, and other international markets. Its business is organized into distinct segments catering to various client bases, including households, private banking customers, micro and small businesses, mid-market enterprises, large corporations, institutional entities, and financial management. The bank offers a wide array of lending solutions, such as housing loans (complete with mortgage planning, client guidance, and refinancing options), collateralized loans, purchasing group loans, working capital facilities, acquisition and term financing, and revolving credit lines. It also specializes in providing financial support for Israeli high-tech ventures and offers equipment lease financing, credit cards, online banking platforms, and extensive wealth and cash management services. For its international and corporate clientele, the bank facilitates trade financing, loan syndications and participations, foreign currency time deposits, and dealing room transactions. Additionally, it provides a variety of investment and insurance products, including provident funds, mutual funds, study funds, pension plans, and general insurance. The institution is actively involved in capital markets, engaging in the investment of marketable securities, market-making activities for securities and derivatives, repurchase and lending agreements involving securities, short selling, and securities underwriting. Its operations also encompass asset and liability management, alongside offering trust and custodial services for other banks. Furthermore, Bank Leumi's activities include advisory services, the sale and management of loan portfolios, and the creation of innovative financial products. The company serves a diverse range of clients, from individual customers and small businesses to major multinational corporations, mid-sized companies, institutional clients, and foreign banks, operating through roughly 250 branches. Bank Leumi Le-Israel B.M. was established in 1902 and maintains its headquarters in Tel Aviv-Yafo, Israel.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Advocate Hanan Shmuel Friedman
- Employees
- 7,514
- Website
- www.leumi.co.il
- Address
- 24-32 Yehuda Halevi Street, Tel Aviv, TA, 65546, IL
Leumi (LUMI) Earnings & Revenues
LUMI Earnings Call
Earnings Call SentimentPositive
The call conveyed strong positive performance across profitability, efficiency, revenue growth, credit quality and capital generation, with record quarterly net income, industry-leading efficiency and rapid loan growth already meeting annual targets. Challenges referenced were largely manageable and mostly transitory — notably a 2026 special tax, modest margin compression, a small sequential CET1 dip (after active deployment) and ongoing geopolitical uncertainty. Management emphasized conservative underwriting, substantial excess capital (~NIS 8.5 billion), continued AI-driven cost advantages and a balanced shareholder return policy.
View all IL:LUMI earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 5 | 5 |
| Technical Analysis | 2 | 5 | 3 |
| Moving Averages | 10 | 0 | 2 |













