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Mizrahi Tefahot Bank Ltd. (MZTF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Mizrahi Tefahot Bank Ltd.

MZTFMarket cap $19BPrice $72.7

Country🇮🇱Israel

SectorFinancials

IndustryBanks

Runs Israel's second-largest bank and dominates the country's mortgage market, financing roughly a third of all home loans nationwide. Serves households and businesses through retail banking, credit, and investment services across a tightly concentrated financial sector.

In Bastion Portfolios?

52W Return+18%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+6%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+4%4

Earnings Forecast

EPS Growth Y+1-6%3

EPS Growth Y+2+18%8

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%7

Net Income Margin39%10

Free Cash Flow Margin95%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE16%7

ROA1%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)98

P/BV1.68

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%9

Dividend Yieldna–

Momentum

Short term

1 month return-6%5

3 month return+5%8

YTD return+4%6

Mid term

Price vs 52wHigh88%8

1 year return+11%6

Long term

3 year return+102%8

5 year return+165%8

Risk Shield

Price Risk

Beta0.110

Volatility27%8

Free Cash Flow

Free Cash Flow Margin95%10

Free Cash Flow Yield0.0%9

Quality

ROCE10%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

MZTFMizrahi Tefahot Bank

Revenue FY25$4.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-6%3

EPS growth, FY27E+18%8

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 6%/yr over the last 3 years and is set to keep growing around 5%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 4%/yr vs revenue 5%/yr). One year dips: EPS falls 6% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MZTFMizrahi Tefahot Bank

Total return Current581%

Price return Current397%

MOMENTUM RATING↗

STRONG78 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return+5%8

YTD return+4%6

MID & LONG-TERM▾SCORE

% of 52-week high88%8

1-year return+11%6

3-year return+102%8

5-year return+165%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +102% over three years and +165% over five, ahead of 70% of the market.

It's up 11% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+5%).

WATCH

Returns sit at the market level over the past month (-6%) and so far this year (+4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Mizrahi. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

MZTFMizrahi Tefahot Bank

Revenue FY25$4.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-6%3

EPS growth, FY27E+18%8

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 6%/yr over the last 3 years and is set to keep growing around 5%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 4%/yr vs revenue 5%/yr). One year dips: EPS falls 6% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MZTFMizrahi Tefahot Bank

Total return Current581%

Price return Current397%

MOMENTUM RATING↗

STRONG78 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return+5%8

YTD return+4%6

MID & LONG-TERM▾SCORE

% of 52-week high88%8

1-year return+11%6

3-year return+102%8

5-year return+165%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +102% over three years and +165% over five, ahead of 70% of the market.

It's up 11% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+5%).

WATCH

Returns sit at the market level over the past month (-6%) and so far this year (+4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Mizrahi. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community