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Mizrahi Tefahot Bank Ltd. (MZTF.TA)

ILA21,230.00 -180.00 (-0.84%)
IL TLV Financial Services Banks - Regional
Address 7 Jabotinsky Street 5252007
Ramat Gan, IL
CEO Moshe Lari
IPO 2000-02-01
ISIN IL0006954379

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Also trades on Other OTC · MZTFF (USD) Tel Aviv Stock Exchange · MZTF.TA (ILA)
Description

Established in 1923 and headquartered in Ramat Gan, Israel, Mizrahi Tefahot Bank Ltd. operates as a full-service financial institution, delivering a broad spectrum of international, commercial, domestic, and personal banking solutions. It caters to both individual and corporate clients within Israel, Switzerland, and various international markets. The bank structures its diverse activities across six primary divisions: Household, Small Business, Private Banking, Commercial Banking, Business Banking, and Financial Management. Its core offerings encompass essential banking products such as checking, savings, and deposit accounts, complemented by a wide range of loan options including instant, home renovation, automotive, general-purpose, student, and business loans, alongside mortgages. Credit card services are also a part of its portfolio. Beyond traditional banking, Mizrahi Tefahot provides specialized services such as foreign trade support (covering import, export, and documentary credit), bank guarantees, and foreign currency management, which includes trading in derivative instruments and factoring services, as well as investments in deposits and securities. The bank also finances real estate and construction projects, offers advisory services for mergers and acquisitions, and provides both private and online banking platforms. In the capital markets, the company delivers consultancy, distributes mutual funds, manages client securities portfolios, and offers pension and trust advisory services. It is also involved in operating provident and mutual funds, providing insurance related to mortgages, participating in syndication transactions, and conducting various credit operations. As of December 31, 2021, the bank boasted a substantial network of 225 branches and business centers across Israel, incorporating 52 Bank Yahav and 29 Union Bank locations, in addition to two international bank affiliates. The company changed its name from United Mizrahi Bank Limited to Mizrahi Tefahot Bank Ltd. in November 2005.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
ILA21,230.00 -180.00 (-0.84%)
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Volume Profile
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Liquidity & share structure
Average Volume
675.6K
Beta
0.15
Float Shares
152.64M
Free Float %
58.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-3.69% -3.19% -4.59% -4.14% +0.49% +0.94% +12.08% +78.17% +129.67% +406.77% +618.63%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
21,230.00
DCF (Unlevered) 37,085.19 +74.7%
DCF (Levered) 48,824.55 +130.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 33% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 2 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.42
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +3.3% Q1'26: +1.4% (vs Q1'25)
  • EPS growth
    +2.7% Q1'26: -4.5% (vs Q1'25)
  • FCF margin
    Q1'26: -12.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +30.2% (vs Q1'25)
  • ROIC
    Q1'26: +77.0% (vs Q1'25)
  • Share dilution
    +0.5% Q1'26: +0.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.09× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.20) × ERP
WACC = 58% × Ke + 42% × Kd (34.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 37,181.27 Current price: 21,230.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
2 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
6.69B
est: 5.15B (+30.0%)
7.05B
est: 5.63B (+25.3%)
7.80B
est: 5.97B (+30.6%)
9.29B
est: 6.62B (+40.3%)
9.62B
est: 7.10B (+35.4%)
13.12B
est: 10.20B (+28.7%)
19.20B
est: 13.50B (+42.3%)
26.77B
est: 13.12B (+104.0%)
28.65B
est: 14.43B (+98.6%)
29.59B
est: 15.46B (+91.4%)
13.90B
13.39B – 14.42B
-10.1% YoY
15.11B
14.07B – 16.15B
+8.7% YoY
15.98B
15.98B – 15.98B
+5.8% YoY
EBITDA
2.18B
est: 1.77B (+23.0%)
2.36B
est: 1.94B (+22.1%)
2.44B
est: 2.05B (+19.0%)
2.43B
est: 2.28B (+6.8%)
3.20B
est: 2.44B (+31.0%)
5.37B
est: 3.51B (+53.1%)
7.30B
est: 4.64B (+57.2%)
8.16B
est: 4.55B (+79.2%)
9.27B
est: 5.01B (+85.0%)
9.41B
est: 5.37B (+75.4%)
4.83B
4.65B – 5.00B
-10.1% YoY
5.24B
4.88B – 5.60B
+8.7% YoY
5.55B
5.55B – 5.55B
+5.8% YoY
EBIT
1.96B
est: 1.67B (+17.1%)
2.14B
est: 1.83B (+17.3%)
2.20B
est: 1.94B (+13.5%)
2.20B
est: 2.15B (+2.2%)
2.95B
est: 2.30B (+28.2%)
5.03B
est: 3.31B (+52.1%)
6.96B
est: 4.38B (+59.1%)
7.75B
est: 4.35B (+78.2%)
8.98B
est: 4.78B (+87.8%)
9.12B
est: 5.12B (+78.0%)
4.61B
4.44B – 4.78B
-10.1% YoY
5.01B
4.66B – 5.35B
+8.7% YoY
5.30B
5.30B – 5.30B
+5.8% YoY
Net Income
1.13B
est: 1.25B (-9.3%)
1.27B
est: 1.47B (-13.7%)
1.35B
est: 1.43B (-6.0%)
1.21B
est: 1.36B (-11.4%)
1.84B
est: 2.05B (-10.1%)
3.19B
est: 3.20B (-0.3%)
4.47B
est: 4.46B (+0.3%)
4.91B
5.46B
est: 5.57B (-2.0%)
5.63B
est: 5.58B (+0.9%)
5.52B
4.81B – 5.55B
-1.1% YoY
6.43B
5.77B – 6.47B
+16.6% YoY
6.25B
5.95B – 6.55B
-2.8% YoY
SGA
252.00M
est: 71.06M (+254.6%)
184.00M
est: 77.67M (+136.9%)
169.00M
est: 82.38M (+105.2%)
190.00M
est: 91.39M (+107.9%)
180.00M
est: 98.03M (+83.6%)
220.00M
est: 140.71M (+56.4%)
278.00M
est: 186.22M (+49.3%)
271.00M
est: 503.93M (-46.2%)
216.00M
est: 554.22M (-61.0%)
4.24B
est: 593.91M (+613.2%)
534.09M
514.33M – 553.86M
-10.1% YoY
580.41M
540.52M – 620.30M
+8.7% YoY
613.94M
613.94M – 613.94M
+5.8% YoY
EPS
4.90
est: 4.82 (+1.7%)
5.46
est: 5.65 (-3.4%)
5.80
est: 5.52 (+5.1%)
5.17
est: 5.25 (-1.4%)
7.86
est: 7.90 (-0.4%)
12.47
est: 12.32 (+1.2%)
17.47
est: 17.17 (+1.7%)
19.07
21.12
est: 21.33 (-1.0%)
21.69
est: 21.92 (-1.0%)
19.85
18.45 – 21.25
-9.4% YoY
23.45
22.13 – 24.78
+18.1% YoY
23.95
22.80 – 25.11
+2.1% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-25 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-20 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-19 B+ 3/5 5/5 5/5 3/5 1/5 3/5 2/5
2026-05-18 B+ 3/5 5/5 5/5 3/5 1/5 3/5 2/5
2026-05-15 A- 4/5 5/5 5/5 3/5 2/5 3/5 2/5
2026-05-14 A- 4/5 5/5 5/5 3/5 2/5 3/5 2/5
2026-05-13 A- 4/5 5/5 5/5 3/5 2/5 3/5 2/5
2026-05-12 A- 4/5 5/5 5/5 3/5 2/5 3/5 2/5
2026-05-11 A- 4/5 5/5 5/5 3/5 2/5 3/5 2/5
2026-05-08 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-07 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-06 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-05 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-04 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-01 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-30 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-29 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-28 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-27 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-24 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-23 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-20 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-17 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-16 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-15 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
12.84B
OE per share TTM
49.18
Owner's Yield
22.00%
Maintenance CapEx ratio
9.86%
Maint CapEx / Avg PPE
11.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.26M
Shares Outstanding
260.09M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Moshe Lari President & Chief Executive Officer 4M male
Meir Aharoni Head of Mizrahi Tefahot Technology Division Ltd & Chief Information Officer 3M male
Ofir Morad Executive Vice President, Head of Corporate Banking Division 3M male
Adi Shachaf Executive Vice President, Head of Financial Division & Chief Financial Officer 3M male
Shevy Shemer Executive Vice President & Head of Retail 3M female
Rachel Friedman Executive Vice President, Head of Legal Division? & Chief Legal Counsel 2M female
Terry Yaskil Executive Vice President, Head of Marketing, Promotion & Business Development Division 2M
Galit Weizer Head of Internal Audit Division & Chief Internal Auditor 2M female
Menahem Aviv Deputy GM, Executive VP, Head of Financial Reporting & Information Division and Chief Accountant male
Meital Haroush Executive Vice President and Head of Human Capital & Resources Division
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits