Israel Discount BankISDAY 67 Return-on-Tangible-Equity is 10.95% as of Mar. 2026, which is 2% below its 10-year median of 11.13. GuruFocus rates ISDAY with a GF Score™ of 67/100 and a GF Value™ of $106.64 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Israel Discount Bank ranks better than 55.35% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Israel Discount Bank's annualized net income for the quarter that ended in Mar. 2026 was $1,249 Mil. Israel Discount Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $11,400 Mil. Therefore, Israel Discount Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.95%.
The historical rank and industry rank for Israel Discount Bank's Return-on-Tangible-Equity or its related term are showing as below:
ISDAY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.2 Med: 11.13 Max: 15.81
Current: 12.11
During the past 13 years, Israel Discount Bank's highest Return-on-Tangible-Equity was 15.81%. The lowest was 5.20%. And the median was 11.13%.
ISDAY's Return-on-Tangible-Equity is ranked better than 55.35% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs ISDAY: 12.11
Israel Discount Bank (OTCPK:ISDAY) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Israel Discount Bank Return-on-Tangible-Equity Related Terms
Israel Discount Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Israel Discount Bank's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Israel Discount Bank Return-on-Tangible-Equity Chart
ISDAY vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Israel Discount Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Israel Discount Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Israel Discount Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Israel Discount Bank's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.95% mean?
Israel Discount Bank (ISDAY) has a Return-on-Tangible-Equity of 10.95% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Israel Discount Bank and its competitors. This is near median its historical median of 11.13. Over the past decade, Israel Discount Bank's Return-on-Tangible-Equity has ranged from 5.20 to 15.81. According to the industry distribution chart, Israel Discount Bank ranks #680 out of 1523 companies in the Banks industry, placing it in the top 44.6%.
Is Israel Discount Bank's Return-on-Tangible-Equity too high?
Israel Discount Bank's current Return-on-Tangible-Equity of 10.95% is near median its 10-year median of 11.13. Over the past 10 years, this metric has ranged from a low of 5.20 to a high of 15.81. The Banks industry median Return-on-Tangible-Equity is 11.20. Israel Discount Bank's value of 10.95% is 2.2% below this industry median. Based on the distribution chart, Israel Discount Bank ranks #680 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Israel Discount Bank has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Israel Discount Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Israel Discount Bank ranks #680 out of 1523 companies for Return-on-Tangible-Equity. This puts Israel Discount Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Israel Discount Bank's value of 10.95% is 2.2% below this benchmark. Historically, Israel Discount Bank's own Return-on-Tangible-Equity has ranged from 5.20 to 15.81 over the past decade. While the company's 10-year median is 11.13 vs. the industry median of 11.20, Israel Discount Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Israel Discount Bank's current Return-on-Tangible-Equity of 10.95% is 2.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Israel Discount Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Israel Discount Bank's current Return-on-Tangible-Equity is 10.95%, which is near median its own 10-year median of 11.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Israel Discount Bank stock overvalued right now?
Based on GuruFocus' analysis, Israel Discount Bank (ISDAY) is currently considered Fairly Valued. The stock's GF Value™ is $106.64, compared to a current price of $99.25 — trading 6.9% below its estimated fair value. The current Return-on-Tangible-Equity is 10.95%, which is near median its 10-year median of 11.13 and 2.2% below the Banks industry median of 11.20. Israel Discount Bank's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Israel Discount Bank (ISDAY), the current Return-on-Tangible-Equity is 10.95% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Israel Discount Bank (ISDAY) Overvalued in 2026?
Based on GuruFocus' analysis, Israel Discount Bank stock appears to be undervalued.
The current stock price of $99.25 is trading 6.9% below its estimated GF Value™ of $106.64.
GuruFocus considers Israel Discount Bank to be Fairly Valued.
Key valuation signals for ISDAY:
Return-on-Tangible-Equity: 10.95% (near median its 10-year median of 11.13)
GF Value™: $106.64 vs. price of $99.25 (6.9% below fair value)
Industry Position: 2.2% below the Banks median (#680 of 1523)
No single metric tells the full story. See the ISDAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Israel Discount Bank Ltd and its subsidiaries engage in banking and financial services. The bank is headquartered in Israel and earns the majority of its revenue domestically. The bank operates through several segments organized by customer type, including Households, Private Banking, Small and minute businesses, Medium businesses, Large businesses, Institutional bodies, Financial management, and Other Segment.
67GF Score
Get the complete analysis for ISDAY
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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