DDM Analysis: JBNK.TA

Valuation Snapshot

Stable Growth	$158.94 - $544.28	$510.07
Multi-Stage	$70.41 - $77.05	$73.67
Blended Fair Value	$291.87
Current Price	$24.88
Upside	1,073.11%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	13.88%	8.08%	0.55	1.00	0.61	0.21	0.17	0.29	0.29	0.10	0.20	0.24
YoY Growth	-	-	-45.47%	63.81%	185.43%	27.97%	-41.29%	-0.50%	184.51%	-48.55%	-19.30%	-3.39%
Dividend Yield	-	-	3.02%	7.17%	5.62%	1.52%	1.92%	4.13%	3.92%	1.30%	2.47%	3.39%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	192.90
(-) Cash Dividends Paid (M)	64.80
(=) Cash Retained (M)	128.10

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	38.58	24.11	14.47
Cash Retained (M)	128.10	128.10	128.10
(-) Cash Required (M)	-38.58	-24.11	-14.47
(=) Excess Retained (M)	89.52	103.99	113.63
(/) Shares Outstanding (M)	70.48	70.48	70.48
(=) Excess Retained per Share	1.27	1.48	1.61
LTM Dividend per Share	0.92	0.92	0.92
(+) Excess Retained per Share	1.27	1.48	1.61
(=) Adjusted Dividend	2.19	2.39	2.53
WACC / Discount Rate	6.95%	6.95%	6.95%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$158.94	$510.07	$544.28
Upside / Downside	538.84%	1,950.11%	2,087.61%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	192.90	205.44	218.79	233.01	248.16	264.29	272.22
Payout Ratio	33.59%	44.87%	56.16%	67.44%	78.72%	90.00%	92.50%
Projected Dividends (M)	64.80	92.19	122.86	157.14	195.35	237.86	251.80

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.95%	6.95%	6.95%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	85.39	86.20	87.00
Year 2 PV (M)	105.40	107.41	109.43
Year 3 PV (M)	124.85	128.44	132.09
Year 4 PV (M)	143.76	149.29	154.98
Year 5 PV (M)	162.13	169.96	178.09
PV of Terminal Value (M)	4,341.58	4,551.28	4,769.01
Equity Value (M)	4,963.12	5,192.58	5,430.61
Shares Outstanding (M)	70.48	70.48	70.48
Fair Value	$70.41	$73.67	$77.05
Upside / Downside	183.02%	196.10%	209.68%

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Bank of Jerusalem Ltd. (JBNK.TA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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