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Mizrahi Tefahot Bank Ltd (MZTFF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Mizrahi Tefahot Bank Ltd $71.94, price $77.00, upside -6.6%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US · Home Israel · ISIN IL0006954379

MT Mizrahi Tefahot Bank Ltd logo Some data Sep 29, 2026

Mizrahi Tefahot Bank Ltd

MZTFF · US

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value $71.94 · Fairly valued (−6.6%)
✓Quality 63/100
✓Healthy Growth (revenue 5y +34.1 %/yr)
✓Highly profitable · 38.8% net margin (TTM)
✓Low debt · generates free cash flow
!Moderate moat 62/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$79.23 $10.64 Fair Value $71.94 Nov 2018 Sep 2026

White line = price, green steps = our fair value per fiscal year. As of Sep 29, 2026.

How to read this chart

60‑month range $10.64 – $79.23 · fair‑value band $50.02 – $105.50 · the $77.00 price screens above the $71.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 29, 2026.

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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 Bank Ltd (MZTFF) currently trades at $77.00, while our model-based Fair Value estimate is $71.94, so the stock looks roughly fairly valued today (gap 7.0%).

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Valuation

Bull case: the Multiples group reads highest at a median of $61.00 per share, and 1 of the 6 models we run sit above the $77.00 price.

Bear case: the Asset-Based group reads lowest at $29.19, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: $50.02 (bear) to $105.50 (bull), the price of $77.00 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 63/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Mizrahi Tefahot Bank Ltd reported revenue of 29.4B ILS in FY2025 versus 10.6B ILS in FY2021, a compound +29.1%/yr. Reported net income was 5.6B ILS in FY2025, compounding +15.1%/yr from FY2021.

Key figures

Market cap $17.8B · P/E ratio 10.5 · P/S ratio 2.00 · EPS (TTM) $7.32 · Dividend yield 14.0% · Net margin 19.0% · Return on equity 16.5% · Return on assets (EBIT) 1.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 16% above its 52-week low.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −7%, MZTFF screens cheaper than that median.

Fair Value models

Bear $50.02 Fair Value $71.94 Bull $105.50
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($5.54 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $46.58 $60.12 $93.16 74
Gordon GGM $28.84 $59.96 $95.12 66
DDM Multi-Stage $28.84 $50.56 $62.93 66
All 6 models by family
Dividend Discount
Gordon GGM $28.84 $59.96 $95.12 66
DDM Multi-Stage $28.84 $50.56 $62.93 66
Multiples
P/E Multiple $68.79 $91.73 $114.66 63
P/B Multiple $45.75 $61.00 $76.25 55
Asset-Based
NCAV (Graham) $21.78 $29.19 $43.57 54
Economic Profit
Residual Income $46.58 $60.12 $93.16 74

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Quality Score breakdown

Overall quality 63/100

Of which business quality 64 · Market factors (momentum, volatility) 73

Profitability 34
Margins and returns on capital today
Quality Growth 38
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 49
Balance sheet, leverage, solvency risk
Investment 63
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.1%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.4%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+55.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+41.6%
Dividend (yield on the price)14.0%
Profit margin 2018 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.0% → 31%
2025 sits 260% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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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 · 1053 stocks

Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 66 · Top 25%
Fair Value upside +82.1% · Top 25%
Profitability
Return on equity (TTM) 16.5% · Top 25%
Return on assets 1.1% · Above median
Net margin (TTM) 38.8% · Top 25%
Operating margin (TTM) 0.0% · Bottom 25%
Growth and dividend
Revenue growth 0.3% · Bottom 25%
Dividend yield (TTM) 14.0% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 10.5× · Cheaper than median
P/B 0.51× · Cheapest 25%
P/S (TTM) 1.25× · Cheapest 25%
P/FCF 1.1× · Cheapest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Mizrahi Tefahot Bank Ltd · Fair Value
$71.94 −7%Fair Value
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Cite: Fair Value Calculator (2026). "Mizrahi Tefahot Bank Ltd Fair Value". https://www.fairvalue-calculator.com/stock/MZTFF

Frequently asked questions

Is Mizrahi Tefahot Bank Ltd (MZTFF) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $71.94 versus the last price from Sep 25, 2026 of $77.00, about −7% upside (fairly valued).
What is the fair value of MZTFF?
Our model-based fair value for Mizrahi Tefahot Bank Ltd is $71.94 (as of Sep 29, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $77.00.
What is the quality score of MZTFF?
Mizrahi Tefahot Bank Ltd has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Mizrahi Tefahot Bank Ltd (MZTFF)?
Our model-based price target is the fair value of $71.94 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario $50.02, optimistic scenario $105.50. It is a calculation from audited fundamentals, not an analyst target.
What is the Mizrahi Tefahot Bank Ltd stock forecast for 2026?
Our models put fair value at $71.94, about −7% upside versus the last price from Sep 25, 2026 of $77.00 (fairly valued). Cautious scenario $50.02, optimistic scenario $105.50. The calculation is refreshed regularly with new filings.
What is the revenue of Mizrahi Tefahot Bank Ltd (MZTFF)?
Mizrahi Tefahot Bank Ltd reported trailing-twelve-month revenue of about 14.2B ILS (latest available figure, as of Sep 29, 2026).
Does Mizrahi Tefahot Bank Ltd pay a dividend?
Mizrahi Tefahot Bank Ltd currently shows a dividend yield of about 14.04% relative to its recent price (as of Sep 29, 2026).
What is the intrinsic value of Mizrahi Tefahot Bank Ltd (MZTFF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Mizrahi Tefahot Bank Ltd it is $71.94 per share (as of Sep 29, 2026), against a price of $77.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Mizrahi Tefahot Bank Ltd stock overvalued or undervalued in 2026?
As of Sep 29, 2026, MZTFF trades above its calculated fair value: price $77.00, fair value $71.94, a gap of about −7% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MZTFF?
No. The price is what the market pays today ($77.00); the fair value is what the company's own numbers justify ($71.94). For Mizrahi Tefahot Bank Ltd the two are $5.06 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mizrahi Tefahot Bank Ltd worth?
The market values Mizrahi Tefahot Bank Ltd at about $17.8B (market capitalisation, as of Sep 29, 2026). Per share that is $77.00; our models calculate a fair value of $71.94 per share.
What do the bullish and bearish scenarios say about MZTFF?
Our models span a range for Mizrahi Tefahot Bank Ltd: cautious scenario $50.02, base $71.94, optimistic $105.50 per share (as of Sep 29, 2026, price $77.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MZTFF?
Mizrahi Tefahot Bank Ltd trades at a price-to-earnings ratio of 10.5 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $71.94 is built from several models across several years. Other multiples: P/B 0.5, P/S 1.2.
How solid is the balance sheet of Mizrahi Tefahot Bank Ltd (MZTFF)?
Balance-sheet figures for Mizrahi Tefahot Bank Ltd (as of Sep 29, 2026): return on equity 16.5%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is MZTFF from its 52-week high?
Mizrahi Tefahot Bank Ltd trades at $77.00, about 3% below its 52-week high of $79.23 and 16% above the low of $66.61 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $71.94 is for.
Which stocks are comparable to Mizrahi Tefahot Bank Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Mizrahi Tefahot Bank Ltd stock attractive at the current price?
The data as of Sep 29, 2026: price $77.00, calculated fair value $71.94 (−7%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MZTFF calculated?
We run Mizrahi Tefahot Bank Ltd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $71.94, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Mizrahi Tefahot Bank Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Mizrahi Tefahot Bank Ltd (MZTFF)?
The latest price we hold is from Sep 25, 2026 and stands at $77.00. Our model-based fair value is $71.94, about −7% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mizrahi Tefahot Bank Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($50.02 to $105.50) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Mizrahi Tefahot Bank Ltd

How large is the market capitalisation of Mizrahi Tefahot Bank Ltd (MZTFF)?
The market capitalisation of Mizrahi Tefahot Bank Ltd is $17.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Mizrahi Tefahot Bank Ltd (MZTFF)?
The price-to-sales ratio of Mizrahi Tefahot Bank Ltd is 2.00 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Mizrahi Tefahot Bank Ltd (MZTFF)?
Earnings per share at Mizrahi Tefahot Bank Ltd are $7.32 (price ÷ EPS = P/E 10.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Mizrahi Tefahot Bank Ltd (MZTFF)?
The dividend yield of Mizrahi Tefahot Bank Ltd is 14.0% (payout 148%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Mizrahi Tefahot Bank Ltd (MZTFF)?
The net margin of Mizrahi Tefahot Bank Ltd is 19.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Mizrahi Tefahot Bank Ltd (MZTFF)?
The return on equity (ROE) of Mizrahi Tefahot Bank Ltd is 16.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Mizrahi Tefahot Bank Ltd (MZTFF)?
On an EBIT basis the return on assets of Mizrahi Tefahot Bank Ltd is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Mizrahi Tefahot Bank Ltd (MZTFF)?
Revenue at Mizrahi Tefahot Bank Ltd is growing +0.3% versus a year earlier (3y avg +30.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Mizrahi Tefahot Bank Ltd (MZTFF)?
Earnings per share at Mizrahi Tefahot Bank Ltd are growing −4.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Mizrahi Tefahot Bank Ltd (MZTFF) generate?
The free cash flow of Mizrahi Tefahot Bank Ltd is 16.0B ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Mizrahi Tefahot Bank Ltd (MZTFF) hold?
Mizrahi Tefahot Bank Ltd holds more cash than debt, 38.2B ILS net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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