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Mizrahi Tefahot Bank Ltd.

Mizrahi Tefahot Bank Ltd.

MZTFF
Mizrahi Tefahot Bank Ltd.US flagOther OTC
68.32
USD
- -
- -
17.77BMarket Cap
Mizrahi Tefahot Bank Ltd.
MZTFF
(Other OTC)

Recent

price

68.32

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
19.39
20.39
21.13
21.62
21.47
23
23.8
25.49
29.42
30.93
32.65
40.08
51.74
57.25
56.78
55.93
55.65
Revenue per Share
3.63
4.65
4.77
4.74
4.74
4.9
5.46
5.8
5.17
7.86
6.7
12.47
17.47
19.07
21.12
21.69
21.47
Basic EPS, GAAP
-3.08
11.5
-13.88
34.57
16.77
4.19
10.91
7.91
11.65
10.86
19.86
14.84
13.71
12.02
53.32
58.59
54.44
Free Cash Flow per Basic Share
0.91
0.53
- -
0.33
- -
0.37
0.8
1.44
1.06
2.42
0.73
4.89
3.74
5.4
7.37
9.73
10.49
Dividend per Share
- -
33.89
38.8
42.94
47.24
51.66
56.26
60.26
64.27
69.56
78.99
82.12
94.53
107.79
121.38
133.14
135.11
Book Value per Share
33.58
35.45
40.65
44.9
48.71
53.29
57.07
61.28
65.66
71.36
80.8
84.17
96.46
110.91
126.25
140
141.75
Tangible Book Value per Share
221
225
225
228
230
231
232
232
233
234
240
256
256
257
258
260
260
Basic Weighted Avg Shares
4,279
4,582
4,764
4,935
4,945
5,322
5,520
5,923
6,857
7,247
7,852
10,248
13,244
14,738
14,667
14,519
14,456
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
221
219
230
245
246
223
223
245
238
245
283
339
332
411
285
289
291
Depreciation Expense
801
1,044
1,076
1,083
1,092
1,134
1,266
1,347
1,206
1,842
1,610
3,188
4,472
4,910
5,455
5,630
5,578
Net Income, GAAP
36.38
32.56
34.72
34.4
37.01
38.93
38.91
36.69
42
34.83
34.68
34.39
33.84
34.45
37.04
35.96
36.71
Effective Tax Rate (%)
18.72
22.78
22.59
21.95
22.08
21.31
22.93
22.74
17.59
25.42
20.5
31.11
33.77
33.32
37.19
38.78
38.59
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
9,813
12,202
14,039
16,443
20,580
23,719
27,034
29,923
30,616
33,460
34,077
38,663
34,070
37,811
37,577
40,987
42,731
LT Debt
7,496
8,054
9,252
10,335
11,304
12,415
13,324
14,327
15,390
16,805
19,669
21,729
24,868
28,703
32,729
36,428
36,910
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
27.41
13.15
11.68
10.56
9.93
10.13
9.96
8.32
11.78
9.12
15.94
19.79
18.9
18.46
17.08
16.59
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
260
260
260
Market Capitalization
29,820
56,428
61,350

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
68,478
82,849
74,960
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.42%
13.13%
11.3%
Free Cash Flow
57.86%
63.14%
10.41%
Net Income, GAAP
21.01%
32.48%
3.21%
Sales/Revenue/Turnover
11.04%
13.91%
-1.01%
Total Cash Common Dividend
93.23%
140.45%
32.67%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,598
3,835
3,797
3,437
14,667
2025
3,546
3,791
3,830
3,352
14,519
2026
3,483
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.93
5.62
5.52
- -
21.12
2025
4.98
5.6
5.71
- -
21.69
2026
4.76
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.81
1.97
2.31
- -
7.37
2025
2.09
1.99
2.8
- -
9.73
2026
2.85
- -
- -
- -
- -
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Business
Mizrahi Tefahot Bank Ltd. (MZTFF) operates as Israel's third-largest bank by assets, providing a comprehensive range of international, commercial, domestic and personal banking services; its core offerings include retail banking products such as checking accounts, savings deposits, mortgages (where it holds the leading market share of approximately 36% in ongoing origination), personal loans, and credit cards; corporate and business banking encompassing trade finance, property finance, project financing for large enterprises, construction and real estate lending, as well as treasury services; private banking for high-net-worth individuals; and specialized services like portfolio management via subsidiary Etgar, trust services through Mizrahi-Tefahot Trust Company, and mortgage insurance from Tafachot Insurance Agency. The bank, founded in 1923 and headquartered at 7 Jabotinsky Street in Ramat Gan, Israel, conducts the majority of its operations domestically through 205 branches and business centers (including those of subsidiary Bank Yahav for Government Employees Ltd.), with international presence via branches in London, Los Angeles, and representative offices in the US, Switzerland, Germany, the UK, Mexico, and the Cayman Islands. Recent strategic developments include the full integration of its 2022 acquisition of Union Bank of Israel, achieving approximately 75% synergy in operating costs through branch mergers (retaining 8 of 35), customer onboarding of over 100,000 individuals and businesses, and seamless transfer of consumer credit activities; the launch of a new 2025-2027 strategic plan in June 2025 targeting 17-18% return on equity, cost/income ratio not exceeding 35%, credit-to-public market share of 23-24%, deposits market share of 20-21%, and business credit market share of 15-16%; sustained profit growth with net profit of NIS 1.483 billion in Q3 2025 and full-year 2024 net profit up 11% to NIS 5.5 billion; and credit rating outlook upgrades to stable by S&P Global Ratings (BBB+ issuer rating), Fitch Ratings (A- IDR), Maalot (ilAAA), and Midroog (Aaa.il for deposits) as of mid-2025, reflecting resilience amid the Iron Swords War.

Company News

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  • seekingalpha.com

    Mizrahi Tefahot Bank Ltd. (MZTFF) Q4 2025 Earnings Call Transcript