FBKIF's ROA % is ranked worse than 60.56% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FBKIF: 0.83
First International Bank of Israel (OTCPK:FBKIF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
First International Bank of Israel ROA % Related Terms
First International Bank of Israel ROA % Historical Data
* 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.
For the Banks - Regional subindustry, First International Bank of Israel's ROA %, along with its competitors' market caps and ROA % 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.
First International Bank of Israel ROA % vs Banks Industry
For the Banks industry and Financial Services sector, First International Bank of Israel's ROA % distribution charts can be found below:
* The bar in red indicates where First International Bank of Israel's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
First International Bank of Israel (FBKIF) has a ROA % of 0.70% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on First International Bank of Israel and its competitors. This is near median its historical median of 0.72. Over the past decade, First International Bank of Israel's ROA % has ranged from 0.41 to 1.04. According to the industry distribution chart, First International Bank of Israel ranks #926 out of 1529 companies in the Banks industry, placing it in the top 60.6%.
Is First International Bank of Israel's ROA % too high?
First International Bank of Israel's current ROA % of 0.70% is near median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.04. The Banks industry median ROA % is 0.98. First International Bank of Israel's value of 0.70% is 28.6% below this industry median. Based on the distribution chart, First International Bank of Israel ranks #926 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, First International Bank of Israel has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does First International Bank of Israel's ROA % compare to PNC?
According to the Banks industry distribution chart, First International Bank of Israel ranks #926 out of 1529 companies for ROA %. This places First International Bank of Israel in the lower half of its industry. The industry median ROA % is 0.98. First International Bank of Israel's value of 0.70% is 28.6% below this benchmark. Historically, First International Bank of Israel's own ROA % has ranged from 0.41 to 1.04 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 0.98, First International Bank of Israel 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First International Bank of Israel's current ROA % of 0.70% is 28.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on First International Bank of Israel and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First International Bank of Israel's current ROA % is 0.70%, which is near median its own 10-year median of 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First International Bank of Israel stock overvalued right now?
First International Bank of Israel (FBKIF) has a current ROA % of 0.70%. The stock's GF Value™ is $41.90, compared to a current price of $50.00 — trading 19.3% above its estimated fair value. The current ROA % is 0.70%, which is near median its 10-year median of 0.72 and 28.6% below the Banks industry median of 0.98. First International Bank of Israel's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For First International Bank of Israel (FBKIF), the current ROA % is 0.70% 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 First International Bank of Israel (FBKIF) Overvalued in 2026?
Based on GuruFocus' analysis, First International Bank of Israel stock appears to be overvalued.
The current stock price of $50.00 is trading 19.3% above its estimated GF Value™ of $41.90.
Key valuation signals for FBKIF:
ROA %: 0.70% (near median its 10-year median of 0.72)
GF Value™: $41.90 vs. price of $50.00 (19.3% above fair value)
Industry Position: 28.6% below the Banks median (#926 of 1529)
No single metric tells the full story. See the FBKIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First International Bank of Israel Business Description
First International Bank of Israel Ltd is an Israel-based bank that primarily operates through six segments. The Corporate Banking segment focuses on providing financial services to large corporations in Israel. The Private Banking segment provides banking services to high-net-worth Israeli and foreign resident customers. The Commercial Banking segment serves middle-sized business clients. The Household segment provides relatively low cash volume services to private customers. The Small Business segment primarily serves small businesses. The Financial Management segment carries out asset and liability management activities and others. The company generates almost all of its interest and noninterest income from the Israeli domestic market.
67GF Score
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