Mizrahi Tefahot Bank Ltd (MZTF) Fair Value & Analysis
Financial Services · Il · Market cap 57.5B ILA
Fair value as of: Jul 18, 2026
From 26 valuation models · updated 21 days ago
Share price +7.5% over the past month.
A solid business, screening 27% undervalued on our models.
What matters now
- Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
60‑month range 65.75 ILA – 249.19 ILA · fair‑value band 211.05 ILA – 351.75 ILA · the 221.00 ILA price screens below the 281.40 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Analysis
Mizrahi Tefahot Bank Ltd (MZTF) currently trades at 221.00 ILA, while our model-based Fair Value estimate is 281.40 ILA, implying the stock looks roughly 27.3% undervalued today. We read business quality at 57/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Mizrahi Tefahot Bank Ltd generated revenue of 14.4B ILA at a net margin of 38.8%. Revenue grew 0.3% year over year. It earns a return on equity of 16.5%. The balance sheet holds a net cash position of 38.3B ILA. Fundamentals as of Jul 18, 2026
Our scenario range runs from 211.05 ILA (bear case) to 351.75 ILA (bull case); at 221.00 ILA, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 27%, MZTF screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: DCF Models (872.28 ILA) versus Asset-Based (89.56 ILA). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 60 · Market factors (momentum, volatility) 53
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Mizrahi Tefahot Bank Ltd reported revenue of 29.6B ILA in FY2025 versus 13.1B ILA in FY2021, a compound +22.5%/yr. Reported net income was 5.6B ILA in FY2025, compounding +15.3%/yr from FY2021.
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Peer Group
Banks - Regional · 1082 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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