Make better investment decisions with Simply Wall St’s easy, visual tools that give you a competitive edge.
Recent price performance and business context
Israel Discount Bank (TASE:DSCT) has drawn investor attention after a mixed run in the share price, with the stock up over the past year but down over the past 3 months and month.
Over the past year, the stock delivered a total return of 15.64%, while year to date it is down 6.97%. The past 3 months show a decline of 16.73%, and the past month is down 3.52%, despite a gain of 6.66% over the past week and 1.14% in the latest session.
The bank reports revenue of ₪12.61b and net income of ₪3.89b, with annual revenue growth reported at 6.00% and net income growth at 13.42%. As a multi segment institution serving households, businesses, and institutional clients across Israel, Europe, and North America, these figures give you a snapshot of its current scale and profitability.
See our latest analysis for Israel Discount Bank.
At a share price of ₪32.85, the stock has delivered strong long term total shareholder returns over 3 and 5 years, but recent share price performance has weakened, which often reflects shifting expectations around growth prospects or perceived risks.
If you are reassessing your portfolio after Israel Discount Bank’s recent share price swings, this can be a good moment to broaden your search and check out 101 top founder-led companies
With solid reported profitability, a recent pullback in the share price, and a discount to analyst targets, the key question is simple: is Israel Discount Bank trading below its fair value, or is the market already pricing in future growth?
Most Popular Narrative: 15% Undervalued
At ₪32.85, the most followed narrative puts Israel Discount Bank’s fair value materially higher at ₪38.83, framing the recent pullback as a valuation gap to test.
Ongoing implementation of digital transformation and workflow automation projects (e.g., moving activities from branches to back office, use of AI in customer service) is expected to drive sustained efficiency gains, lower operating expenses, and improve net margins in upcoming quarters.
Want to see what sits behind that efficiency story and fair value math? The narrative leans heavily on revenue expansion, margin uplift, and a richer future earnings multiple.
Result: Fair Value of ₪38.83 (UNDERVALUED)
Have a read of the narrative in full and understand what’s behind the forecasts.
However, this story can change quickly if domestic loan growth weakens or funding costs rise, as either development could squeeze net interest margins and pressure profitability.
