Mizrahi Tefahot (MZTF) fair value: what the stock is really worth
We calculate from audited financials what Mizrahi Tefahot is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Mizrahi Tefahot
MZTF · TAOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range 72.32 ILA – 254.38 ILA · fair‑value band 136.04 ILA – 292.54 ILA · the 239.60 ILA price screens above the 175.03 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Company profile
Mizrahi Tefahot Bank Ltd., together with its subsidiaries, provides various banking services in Israel and internationally. It operates through six segments: Household, Small Business, Private Banking, Commercial Banking, Business Banking, and Financial Management.
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Mizrahi Tefahot Bank Ltd., together with its subsidiaries, provides various banking services in Israel and internationally. It operates through six segments: Household, Small Business, Private Banking, Commercial Banking, Business Banking, and Financial Management. The company offers checking accounts, including priority, manager, preferred employee, married, business, soldiers', and student accounts; private banking services; mortgages; and deposit and savings plans, such as short, medium, and long-term, immediate, liquid, monthly income, and 4-year fixed term, as well as short, medium, and long-term liquid deposits; savings by direct debit; and carambola. It also provides instant, home renovation, auto, all-purpose, student, and business loan products; and credit cards. In addition, the company offers business checking account; service package comprising professional business banker, various communication channels, and digital banking; financing solutions, which include state-backed loans for small businesses and energy optimization, loans for small and medium businesses, checks and credit cards discounting, and factoring; international trade and financing; and deposits for business owners. Further, it provides financial tools for closing deals abroad, such as opening and maintaining documentary credits; discounting bills or commitments by foreign banks or companies; forfaiting and transit transactions; handling documentary collections; financing exports; international trade transactions; medium to long-term transactions; structured trade finance; and guarantees, advances, execution, and financial guarantees for overseas activity. The company was formerly known as United Mizrahi Bank Ltd. and changed its name to Mizrahi Tefahot Bank Ltd. in November 2005. Mizrahi Tefahot Bank Ltd. was incorporated in 1923 and is headquartered in Ramat Gan, Israel. Mizrahi Tefahot Bank Ltd. operates as a subsidiary of Mizrahi Tefahot Registration Company Ltd.
Stock analysis
Mizrahi Tefahot (MZTF) currently trades at 239.60 ILA, while our model-based Fair Value estimate is 175.03 ILA, implying the stock looks roughly 36.9% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 187.13 ILA per share, and 1 of the 6 models we run sit above the 239.60 ILA price.
Bear case: the Asset-Based group reads lowest at 89.56 ILA, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 136.04 ILA (bear) to 292.54 ILA (bull), the price of 239.60 ILA sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Mizrahi Tefahot reported revenue of 29.6B ILS in FY2025 versus 13.1B ILS in FY2021, a compound +22.5%/yr. Reported net income was 5.6B ILS in FY2025, compounding +15.3%/yr from FY2021.
Key figures
Market cap 62.5B ILA · P/E ratio 11.2 · P/S ratio 2.13 · EPS (TTM) 21.37 ILA · Dividend yield 4.0% · Net margin 19.0% · Return on equity 16.5% · Return on assets (EBIT) 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −27%, MZTF screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 60 · Market factors (momentum, volatility) 65
Revenue & earnings trend
Growth Forecast
MZTF screens 37% overvalued. Compare with DBS Group →
Compare Mizrahi Tefahot with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Valuation of the Israel market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group DBS19 | 20.20 THB | 6.69 THB | −67% |
| China Merchants Bank Co 3968 | HK$51.35 | HK$78.59 | +53% |
| Intesa Sanpaolo S.p.A ISP | €6.74 | €4.04 | −40% |
| HDFC Bank Limited HDB | $23.16 | $15.60 | −33% |
| BNP Paribas SA BNP | €102.32 | €105.99 | +4% |
| UniCredit S.p.A UCG | €82.92 | €77.62 | −6% |
| Mizuho Financial Group MFG | $11.15 | $9.67 | −13% |
| ICICI Bank Limited ICICIBANK | ₹1,359 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $231.49 | $159.52 | −31% |
| Oversea-Chinese Banking Corporation O39 | 31.28 SGD | 19.80 SGD | −37% |
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Frequently asked questions
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Key figures of Mizrahi Tefahot
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