Fact based stock research
Mizrahi Tefahot Bank (TASE:MZTF)

IL0006954379

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

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Mizrahi Tefahot Bank stock research in summary

mizrahi-tefahot.co.il

ANALYSIS: With an Obermatt Combined Rank of 69 (better than 69% compared with investment alternatives), Mizrahi Tefahot Bank (Diversified Banks, Israel) shares have above-average financial characteristics compared with similar stocks. Shares of Mizrahi Tefahot Bank are low in value (priced high) with a consolidated Value Rank of 15 (worse than 85% of alternatives). But they show above-average growth (Growth Rank of 92) and are safely financed (Safety Rank of 72, which means below-average debt burdens). ...read more

RECOMMENDATION: A Combined Rank of 69, is a buy recommendation based on Mizrahi Tefahot Bank's financial characteristics. Investors looking for growth and low financial risk may find this stock attractive. While the company Mizrahi Tefahot Bank exhibits low value (Obermatt Value Rank of 15), which means that the stock price is rather high, it also demonstrates above-average growth (Obermatt Growth Rank of 92). This is a typical case, as high-growth companies are often expensive. Good financing practices (Obermatt Safety Rank of 72) are a double-edged sword: if the company continues growing, low debt limits shareholder returns. But if the company increases its debt, it will also increase risk. In other words, this is an investment on the safer side, despite the above-average price (low value). Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	15
Growth Rank	92
Safety Rank	72
Combined Rank	69

Country	Israel
Industry	Diversified Banks
Index
Size class	Small

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Research History: Mizrahi Tefahot Bank

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	34	20	27	15
GROWTH
GROWTH	87	14	69	92
SAFETY
SAFETY	42	38	43	72
SENTIMENT
SENTIMENT	22	4	45	^new
360° VIEW
360° VIEW	35	4	41	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Mizrahi Tefahot Bank is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	34	20	27	15
GROWTH
GROWTH	87	14	69	92
SAFETY
SAFETY	42	38	43	72
COMBINED
COMBINED	60	6	43	69

Last update of combined financial performance: 31-Jul-2025. Stock analysis on combined financial performance: The higher the rank of Mizrahi Tefahot Bank the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 15 (worse than 85% compared with alternatives), Mizrahi Tefahot Bank shares are significantly more expensive than comparable stocks. The Value Rank is based on consolidating four value indicators, with all four indicators below average for Mizrahi Tefahot Bank. Price-to-Sales is 25 which means that the stock price compared with what market professionals expect for future profits is higher than 75% of comparable companies, indicating a low value concerning Mizrahi Tefahot Bank's sales levels. Price-to-Book Capital (also referred to as market-to-book ratio) also has a low Price-to-Book Rank of 21, which means that both reliable company size indicators, sales, and invested capital cannot explain the high stock price of Mizrahi Tefahot Bank. In addition, the two profit-related value indicators, Price-to-Profit (also referred to as price-earnings, P/E) with a low rank of 32 and Dividend Yield, which is lower than 74% of comparable companies, also make the stock more expensive compared with investment alternatives. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 15, is a sell recommendation based on Mizrahi Tefahot Bank's stock price compared with the company's operational size and dividend yields. How can market participants pay such a high price for Mizrahi Tefahot Bank? One reason may be that the company is simply too popular. If enough people want a particular stock, its price can exceed reasonable levels. This is often the case for companies offering new and exciting products and everybody wants a piece of the action. Should you pay a lot for a hot stock such as Mizrahi Tefahot Bank? It's risky, and even if the stock price continues to grow because of popular demand, it may return to more typical lower levels later. And that return can be sudden and quick, making it impossible for retail investors to exit on time. Sometimes, high prices are deserved. This is the case when it is justified to believe that the company will dominate a market with high profit margins. It has happened in the past for many technology companies and indeed for commercially successful pharmaceutical discoveries. Sometimes they last, sometimes, they get eaten alive. Mizrahi Tefahot Bank may be such a type of stock. That would mean, retail investors should be careful, only considering investing a small part of their wealth in this exciting category and always being ready to lose more than half, if not all of the investment. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	32	34	30	25
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	23	28	41	32
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	14	19	19	21
DIVIDEND YIELD
DIVIDEND YIELD	75	28	36	26
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	34	20	27	15

Last update of Value Rank: 31-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Mizrahi Tefahot Bank; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 92 (better than 92% compared with alternatives) for 2025, Mizrahi Tefahot Bank shows one of the highest growth dynamics in its industry. Investors also speak of high momentum. The Growth Rank is based on consolidating four value indicators, with all four indicators above average for Mizrahi Tefahot Bank. Sales Growth has a value of 72, which means that, currently, professionals expect the company to grow more than 72% of its competitors. The same is valid for Profit Growth with a value of 66 and for Capital Growth with 93. In addition, Stock Returns had an above-average rank value of 81, which means they have been higher than 81% of comparable investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 92, is a buy recommendation for growth and momentum investors. Since all Growth Ranks are positive, Mizrahi Tefahot Bank exhibits above-average growth momentum. This could be due to a uniquely strong market position, proprietary technology, or an extensive corporate acquisition strategy. Growth investors will find this an attractive investment opportunity, unless they expect that the current phase is transitory and will deteriorate in the future. The current performance could also be a temporary recovery from a very low point, such as a turn-around situation. In the case of a turn-around, the current performance may or may not be followed by a continuing positive development. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	40	9	84	72
PROFIT GROWTH
PROFIT GROWTH	66	14	77	66
CAPITAL GROWTH
CAPITAL GROWTH	97	65	30	93
STOCK RETURNS
STOCK RETURNS	73	68	47	81
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	87	14	69	92

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Mizrahi Tefahot Bank.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 72 (better than 72% compared with alternatives), the company Mizrahi Tefahot Bank has financing practices on the safer side, which mean that their overall debt burden is lower than average. This doesn't mean that the business of Mizrahi Tefahot Bank is safe, it only means that the company is on the safer side regarding possible bankruptcy, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators where two out of three are above average for Mizrahi Tefahot Bank.Leverage is at 80, meaning the company has a below-average debt-to-equity ratio. It has less debt than 80% of its competitors.Refinancing is at a rank of 80, meaning that the portion of the debt that is about to be refinanced is below average. It has less debt in the refinancing stage than 80% of its competitors. Liquidity is at 25, meaning that the company generates less profit to service its debt than 75% of its competitors. This indicates that the company is on the riskier side regarding debt service. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 72 (better than 72% compared with alternatives), Mizrahi Tefahot Bank has a financing structure that is safer than that of its competitors. Low leverage and low refinancing risk mean a safer financing situation. However, low liquidity means that current company cash flows are low in relation to the level of debt. This is a sign of caution in case it is expected for profits to remain low. Investors should compare Obermatt’s Value, Growth, and Sentiment Ranks before deciding. They may also want to investigate why cash flows are expected to be low, making debt service for Mizrahi Tefahot Bank more challenging. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	54	66	71	80
REFINANCING
REFINANCING	85	81	79	80
LIQUIDITY
LIQUIDITY	1	1	1	25
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	42	38	43	72

Last update of Safety Rank: 31-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Mizrahi Tefahot Bank and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	31	29	^new
OPINIONS CHANGE
OPINIONS CHANGE	50	6	50	^new
PRO HOLDINGS
PRO HOLDINGS	17	30	85	^new
MARKET PULSE
MARKET PULSE	34	14	50	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	22	4	45	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Mizrahi Tefahot Bank.
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