Mizrahi Tefahot Bank Ltd. Logo

Mizrahi Tefahot Bank Ltd.

MZTF.TA

(2.8)
Stock Price

15.650,00 ILA

1.05% ROA

17.4% ROE

7.54x PER

Market Cap.

36.715.513.800,00 ILA

134.33% DER

3.99% Yield

36.33% NPM

Mizrahi Tefahot Bank Ltd. Stock Analysis

Mizrahi Tefahot Bank Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Mizrahi Tefahot Bank Ltd. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (20.65%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROA

The stock's ROA (1.16%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.31x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

8 DER

The company has a high debt to equity ratio (142%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (514), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Mizrahi Tefahot Bank Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Mizrahi Tefahot Bank Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Mizrahi Tefahot Bank Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Mizrahi Tefahot Bank Ltd. Revenue
Year Revenue Growth
2005 3.018.000.000
2006 3.202.000.000 5.75%
2007 3.216.000.000 0.44%
2008 3.518.000.000 8.58%
2009 3.849.000.000 8.6%
2010 1.367.000.000 -181.57%
2011 4.604.000.000 70.31%
2012 4.764.000.000 3.36%
2013 4.935.000.000 3.47%
2014 4.945.000.000 0.2%
2015 5.322.000.000 7.08%
2016 5.520.000.000 3.59%
2017 5.923.000.000 6.8%
2018 6.857.000.000 13.62%
2019 7.247.000.000 5.38%
2020 7.852.000.000 7.71%
2021 10.250.000.000 23.4%
2022 13.244.000.000 22.61%
2023 15.980.000.000 17.12%
2023 14.532.000.000 -9.96%
2024 15.340.000.000 5.27%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Mizrahi Tefahot Bank Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Mizrahi Tefahot Bank Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 74.000.000 100%
2013 71.000.000 -4.23%
2014 91.000.000 21.98%
2015 195.000.000 53.33%
2016 132.000.000 -47.73%
2017 106.000.000 -24.53%
2018 129.000.000 17.83%
2019 113.000.000 -14.16%
2020 124.000.000 8.87%
2021 133.000.000 6.77%
2022 182.000.000 26.92%
2023 0 0%
2023 153.000.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Mizrahi Tefahot Bank Ltd. EBITDA
Year EBITDA Growth
2005 4.904.000.000
2006 3.540.000.000 -38.53%
2007 4.196.000.000 15.63%
2008 3.420.000.000 -22.69%
2009 1.029.000.000 -232.36%
2010 1.495.000.000 31.17%
2011 1.785.000.000 16.25%
2012 5.282.000.000 66.21%
2013 4.891.000.000 -7.99%
2014 3.974.000.000 -23.07%
2015 3.490.000.000 -13.87%
2016 3.855.000.000 9.47%
2017 4.273.000.000 9.78%
2018 4.803.000.000 11.03%
2019 3.116.000.000 -54.14%
2020 2.796.000.000 -11.44%
2021 5.257.000.000 46.81%
2022 13.115.000.000 59.92%
2023 9.108.000.000 -43.99%
2023 7.990.000.000 -13.99%
2024 9.664.000.000 17.32%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Mizrahi Tefahot Bank Ltd. Gross Profit
Year Gross Profit Growth
2005 3.018.000.000
2006 3.202.000.000 5.75%
2007 3.216.000.000 0.44%
2008 3.518.000.000 8.58%
2009 3.849.000.000 8.6%
2010 1.367.000.000 -181.57%
2011 4.604.000.000 70.31%
2012 4.764.000.000 3.36%
2013 4.935.000.000 3.47%
2014 4.945.000.000 0.2%
2015 5.322.000.000 7.08%
2016 5.520.000.000 3.59%
2017 5.923.000.000 6.8%
2018 6.857.000.000 13.62%
2019 7.247.000.000 5.38%
2020 7.852.000.000 7.71%
2021 10.250.000.000 23.4%
2022 13.244.000.000 22.61%
2023 15.980.000.000 17.12%
2023 14.532.000.000 -9.96%
2024 15.340.000.000 5.27%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Mizrahi Tefahot Bank Ltd. Net Profit
Year Net Profit Growth
2005 507.000.000
2006 643.000.000 21.15%
2007 908.000.000 29.19%
2008 602.000.000 -50.83%
2009 530.000.000 -13.58%
2010 804.000.000 34.08%
2011 1.044.000.000 22.99%
2012 1.076.000.000 2.97%
2013 1.078.000.000 0.19%
2014 1.083.000.000 0.46%
2015 1.134.000.000 4.5%
2016 1.266.000.000 10.43%
2017 1.347.000.000 6.01%
2018 1.206.000.000 -11.69%
2019 1.842.000.000 34.53%
2020 1.610.000.000 -14.41%
2021 3.188.000.000 49.5%
2022 4.472.000.000 28.71%
2023 5.592.000.000 20.03%
2023 4.910.000.000 -13.89%
2024 5.808.000.000 15.46%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Mizrahi Tefahot Bank Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 2
2006 3 0%
2007 4 50%
2008 3 -100%
2009 3 0%
2010 4 33.33%
2011 5 25%
2012 5 0%
2013 5 0%
2014 5 0%
2015 5 0%
2016 5 20%
2017 6 0%
2018 5 0%
2019 8 28.57%
2020 7 -16.67%
2021 12 50%
2022 17 29.41%
2023 22 19.05%
2023 19 -10.53%
2024 22 13.64%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Mizrahi Tefahot Bank Ltd. Free Cashflow
Year Free Cashflow Growth
2005 661.000.000
2006 -2.739.000.000 124.13%
2007 -696.000.000 -293.53%
2008 -8.304.000.000 91.62%
2009 3.338.000.000 348.77%
2010 -1.265.000.000 363.87%
2011 3.051.000.000 141.46%
2012 -3.130.000.000 197.48%
2013 6.671.000.000 146.92%
2014 3.862.000.000 -72.73%
2015 969.000.000 -298.56%
2016 3.829.000.000 74.69%
2017 -5.682.000.000 167.39%
2018 2.715.000.000 309.28%
2019 2.543.000.000 -6.76%
2020 4.775.000.000 46.74%
2021 3.795.000.000 -25.82%
2022 1.364.000.000 -178.23%
2023 3.585.000.000 61.95%
2023 3.094.000.000 -15.87%
2024 -347.000.000 991.64%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Mizrahi Tefahot Bank Ltd. Operating Cashflow
Year Operating Cashflow Growth
2005 858.000.000
2006 -2.545.000.000 133.71%
2007 -490.000.000 -419.39%
2008 -8.030.000.000 93.9%
2009 3.595.000.000 323.37%
2010 -1.002.000.000 458.78%
2011 3.303.000.000 130.34%
2012 -2.814.000.000 217.38%
2013 6.907.000.000 140.74%
2014 4.160.000.000 -66.03%
2015 1.202.000.000 -246.09%
2016 4.074.000.000 70.5%
2017 -5.435.000.000 174.96%
2018 2.974.000.000 282.75%
2019 2.843.000.000 -4.61%
2020 5.063.000.000 43.85%
2021 4.131.000.000 -22.56%
2022 1.755.000.000 -135.38%
2023 3.724.000.000 52.87%
2023 3.532.000.000 -5.44%
2024 -239.000.000 1577.82%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Mizrahi Tefahot Bank Ltd. Capital Expenditure
Year Capital Expenditure Growth
2005 197.000.000
2006 194.000.000 -1.55%
2007 206.000.000 5.83%
2008 274.000.000 24.82%
2009 257.000.000 -6.61%
2010 263.000.000 2.28%
2011 252.000.000 -4.37%
2012 316.000.000 20.25%
2013 236.000.000 -33.9%
2014 298.000.000 20.81%
2015 233.000.000 -27.9%
2016 245.000.000 4.9%
2017 247.000.000 0.81%
2018 259.000.000 4.63%
2019 300.000.000 13.67%
2020 288.000.000 -4.17%
2021 336.000.000 14.29%
2022 391.000.000 14.07%
2023 139.000.000 -181.29%
2023 438.000.000 68.26%
2024 108.000.000 -305.56%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Mizrahi Tefahot Bank Ltd. Equity
Year Equity Growth
2005 4.682.000.000
2006 5.067.000.000 7.6%
2007 5.557.000.000 8.82%
2008 6.303.000.000 11.84%
2009 6.885.000.000 8.45%
2010 7.591.000.000 9.3%
2011 8.054.000.000 5.75%
2012 9.252.000.000 12.95%
2013 10.335.000.000 10.48%
2014 11.500.000.000 10.13%
2015 12.415.000.000 7.37%
2016 13.324.000.000 6.82%
2017 14.327.000.000 7%
2018 15.390.000.000 6.91%
2019 16.805.000.000 8.42%
2020 19.669.000.000 14.56%
2021 21.729.000.000 9.48%
2022 24.868.000.000 12.62%
2023 26.990.000.000 7.86%
2023 28.703.000.000 5.97%
2024 30.813.000.000 6.85%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Mizrahi Tefahot Bank Ltd. Assets
Year Assets Growth
2005 87.239.000.000
2006 90.711.000.000 3.83%
2007 95.317.000.000 4.83%
2008 114.012.000.000 16.4%
2009 118.439.000.000 3.74%
2010 133.266.000.000 11.13%
2011 150.246.000.000 11.3%
2012 162.242.000.000 7.39%
2013 179.613.000.000 9.67%
2014 198.564.000.000 9.54%
2015 209.158.000.000 5.07%
2016 230.455.000.000 9.24%
2017 239.572.000.000 3.81%
2018 257.873.000.000 7.1%
2019 273.244.000.000 5.63%
2020 360.140.000.000 24.13%
2021 392.271.000.000 8.19%
2022 428.292.000.000 8.41%
2023 432.722.000.000 1.02%
2023 448.204.000.000 3.45%
2024 461.684.000.000 2.92%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Mizrahi Tefahot Bank Ltd. Liabilities
Year Liabilities Growth
2005 82.557.000.000
2006 85.644.000.000 3.6%
2007 89.760.000.000 4.59%
2008 107.709.000.000 16.66%
2009 111.554.000.000 3.45%
2010 125.675.000.000 11.24%
2011 142.192.000.000 11.62%
2012 152.990.000.000 7.06%
2013 169.278.000.000 9.62%
2014 187.064.000.000 9.51%
2015 196.743.000.000 4.92%
2016 217.131.000.000 9.39%
2017 225.245.000.000 3.6%
2018 242.483.000.000 7.11%
2019 256.439.000.000 5.44%
2020 340.471.000.000 24.68%
2021 370.542.000.000 8.12%
2022 403.424.000.000 8.15%
2023 36.546.000.000 -1003.88%
2023 419.501.000.000 91.29%
2024 39.578.000.000 -959.93%

Mizrahi Tefahot Bank Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
51.89
Net Income per Share
18.85
Price to Earning Ratio
7.54x
Price To Sales Ratio
2.74x
POCF Ratio
476.63
PFCF Ratio
-90.66
Price to Book Ratio
1.25
EV to Sales
-0.72
EV Over EBITDA
-2.13
EV to Operating CashFlow
-124.92
EV to FreeCashFlow
23.75
Earnings Yield
0.13
FreeCashFlow Yield
-0.01
Market Cap
36,72 Bil.
Enterprise Value
-9,62 Bil.
Graham Number
219.98
Graham NetNet
179.4

Income Statement Metrics

Net Income per Share
18.85
Income Quality
0.02
ROE
0.17
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.62
EBT Per Ebit
1.01
Ebit per Revenue
0.58
Effective Tax Rate
0.36

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.58
Pretax Profit Margin
0.59
Net Profit Margin
0.36

Dividends

Dividend Yield
0.04
Dividend Yield %
3.99
Payout Ratio
0.28
Dividend Per Share
5.67

Operating Metrics

Operating Cashflow per Share
0.3
Free CashFlow per Share
-1.57
Capex to Operating CashFlow
6.26
Capex to Revenue
0.04
Capex to Depreciation
-19.28
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1.87

Balance Sheet

Cash per Share
332,64
Book Value per Share
1.634,34
Tangible Book Value per Share
1633.83
Shareholders Equity per Share
114.08
Interest Debt per Share
180
Debt to Equity
1.34
Debt to Assets
0.09
Net Debt to EBITDA
-10.25
Current Ratio
0
Tangible Asset Value
421,97 Bil.
Net Current Asset Value
46,33 Bil.
Invested Capital
87656000000
Working Capital
85,91 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.08

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Mizrahi Tefahot Bank Ltd. Dividends
Year Dividends Growth
2004 59
2006 148 60.14%
2007 181 17.78%
2008 34 -445.45%
2010 90 62.92%
2011 54 -67.92%
2013 33 -65.63%
2015 37 13.51%
2016 80 53.75%
2017 144 44.06%
2018 106 -36.19%
2019 239 56.07%
2020 75 -222.97%
2021 482 84.65%
2022 366 -31.69%
2023 540 32.22%
2024 503 -7.57%

Mizrahi Tefahot Bank Ltd. Profile

About Mizrahi Tefahot Bank Ltd.

Mizrahi Tefahot Bank Ltd., together with its subsidiaries, provides a range of international, commercial, domestic, and personal banking services to individuals and businesses in Israel, Switzerland, and internationally. It operates through six segments: Household, Small Business, Private Banking, Commercial Banking, Business Banking, and Financial Management. The company offers checking, savings, and deposits accounts; and loans, such as instant, home renovation, auto, all-purpose, student, and business; mortgages; and credit cards. It also provides foreign trade services, including import, export, and documentary credit; bank guarantees; transactions in foreign currency, which include trading in derivative instruments, factoring services, and investments in deposits and securities; financing of real estate and construction projects; mergers and acquisitions services; and private and online banking services. In addition, the company offers capital market services, including consultancy for capital market activities, distribution of mutual funds, management of securities portfolios for clients, pension advisory service, trust services, provision of registration services; operates provident funds, mutual funds, and insurance incidental to mortgages; and participates in syndication transactions, as well as engages in credit operations. As of December 31, 2021, it operated through a network of 225 branches and business centers, including 52 Bank Yahav branches and 29 Union Bank branches in Israel; and two bank affiliates. The company was formerly known as United Mizrahi Bank Limited and changed its name to Mizrahi Tefahot Bank Ltd. in November 2005. The company was incorporated in 1923 and is headquartered in Ramat Gan, Israel.

CEO
Mr. Moshe Lari M.B.A.
Employee
7.106
Address
7 Jabotinsky Street
Ramat Gan, 5252007

Mizrahi Tefahot Bank Ltd. Executives & BODs

Mizrahi Tefahot Bank Ltd. Executives & BODs
# Name Age
1 Mr. Moshe Lari M.B.A.
President & Chief Executive Officer
70
2 Terry Yaskil
Vice President, Manager of Marketing, Advertising & Corporate Development Division
70
3 Mr. Avshalom Buskila
Chief Executive Officer of Bank Yahav Ltd
70
4 Mr. Adi Shachaf
Vice President, Manager of Finance Division & Chief Financial Officer
70
5 Mr. Menahem Aviv
Vice President, Manager of Financial Information & Reporting Division and Chief Accountant
70
6 Ms. Ayala Hakim
Head of Mizrahi Tefahot Technology Division Ltd & Chief Information Officer
70
7 Ms. Rachel Friedman
Vice President & Manager of Legal Division and Chief Legal Counsel
70
8 Meital Haroush
Executive Vice President and Head of Human Capital & Resources Division
70
9 Ms. Galit Weizer
Chief Internal Auditor & Manager of Internal Audit Division
70
10 Mr. Ofer Horvitz
Executive Vice President, Head of Risk Control Division & Chief Risk Officer
70

Mizrahi Tefahot Bank Ltd. Competitors