MZTFF (Mizrahi Tefahot Bank) Cyclically Adjusted FCF per Share: $8.32 (As of Mar. 2026)

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MZTFF Mizrahi Tefahot Bank Ltd MZTFF
73 GF Score
Price $68.32
GF Value $50.64
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Mizrahi Tefahot Bank Cyclically Adjusted FCF per Share?

Mizrahi Tefahot Bank MZTFF 73 Cyclically Adjusted FCF per Share is $8.32 as of Mar. 2026. GuruFocus rates MZTFF with a GF Score™ of 73/100 and a GF Value™ of $50.64 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Mizrahi Tefahot Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.972. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $8.32 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Mizrahi Tefahot Bank's average Cyclically Adjusted FCF Growth Rate was 20.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 11.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 13.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Mizrahi Tefahot Bank was 11.70% per year. The lowest was 7.30% per year. And the median was 11.10% per year.

As of today (2026-07-15), Mizrahi Tefahot Bank's current stock price is $68.32. Mizrahi Tefahot Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $8.32. Mizrahi Tefahot Bank's Cyclically Adjusted Price-to-FCF of today is 8.21.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Mizrahi Tefahot Bank was 10.60. The lowest was 5.26. And the median was 8.11.


Mizrahi Tefahot Bank  (OTCPK:MZTFF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Mizrahi Tefahot Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=68.32/8.32
=8.21

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Mizrahi Tefahot Bank was 10.60. The lowest was 5.26. And the median was 8.11.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Mizrahi Tefahot Bank Cyclically Adjusted FCF per Share Related Terms


Mizrahi Tefahot Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Mizrahi Tefahot Bank's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Mizrahi Tefahot Bank Cyclically Adjusted FCF per Share Chart

Mizrahi Tefahot Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.00 5.66 3.67 4.06 7.48

Mizrahi Tefahot Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.36 3.94 4.52 7.48 8.32

MZTFF vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Mizrahi Tefahot Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Mizrahi Tefahot Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Mizrahi Tefahot Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Mizrahi Tefahot Bank's Cyclically Adjusted Price-to-FCF falls into.


MZTFF
73GF Score
Mizrahi Tefahot Bank Ltd MZTFF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mizrahi Tefahot Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Mizrahi Tefahot Bank's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.972/330.2130*330.2130
=0.972

Current CPI (Mar. 2026) = 330.2130.

Mizrahi Tefahot Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.480 241.018 0.658
201609 2.104 241.428 2.878
201612 1.402 241.432 1.918
201703 1.671 243.801 2.263
201706 -0.647 244.955 -0.872
201709 0.882 246.819 1.180
201712 1.058 246.524 1.417
201803 0.745 249.554 0.986
201806 0.782 251.989 1.025
201809 1.347 252.439 1.762
201812 0.992 251.233 1.304
201903 1.277 254.202 1.659
201906 0.855 256.143 1.102
201909 1.273 256.759 1.637
201912 0.252 256.974 0.324
202003 0.090 258.115 0.115
202006 2.312 257.797 2.961
202009 0.488 260.280 0.619
202012 3.561 260.474 4.514
202103 1.259 264.877 1.570
202106 1.672 271.696 2.032
202109 -2.267 274.310 -2.729
202112 4.171 278.802 4.940
202203 -0.364 287.504 -0.418
202206 4.523 296.311 5.040
202209 0.573 296.808 0.637
202212 1.605 296.797 1.786
202303 -0.631 301.836 -0.690
202306 4.628 305.109 5.009
202309 0.667 307.789 0.716
202312 -0.670 306.746 -0.721
202403 -0.071 312.332 -0.075
202406 -0.447 314.175 -0.470
202409 6.426 315.301 6.730
202412 11.760 315.605 12.304
202503 2.618 319.799 2.703
202506 13.101 322.561 13.412
202509 1.512 324.800 1.537
202512 2.474 324.054 2.521
202603 0.972 330.213 0.972

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $8.32 mean?
Mizrahi Tefahot Bank (MZTFF) has a Cyclically Adjusted FCF per Share of $8.32 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Mizrahi Tefahot Bank and its competitors.
Is Mizrahi Tefahot Bank's Cyclically Adjusted FCF per Share too high?
Mizrahi Tefahot Bank's current Cyclically Adjusted FCF per Share is $8.32. Overall, Mizrahi Tefahot Bank has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mizrahi Tefahot Bank's Cyclically Adjusted FCF per Share compare to PNC and USB?
Mizrahi Tefahot Bank's Cyclically Adjusted FCF per Share of $8.32 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Mizrahi Tefahot Bank and its competitors. Mizrahi Tefahot Bank's current Cyclically Adjusted FCF per Share is $8.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mizrahi Tefahot Bank stock overvalued right now?
Based on GuruFocus' analysis, Mizrahi Tefahot Bank (MZTFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $50.64, compared to a current price of $68.32 — trading 34.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $8.32. Mizrahi Tefahot Bank's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Mizrahi Tefahot Bank (MZTFF), the current Cyclically Adjusted FCF per Share is $8.32 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Mizrahi Tefahot Bank (MZTFF) Overvalued in 2026?

Based on GuruFocus' analysis, Mizrahi Tefahot Bank stock appears to be overvalued. The current stock price of $68.32 is trading 34.9% above its estimated GF Value™ of $50.64. GuruFocus considers Mizrahi Tefahot Bank to be Significantly Overvalued.

Key valuation signals for MZTFF:

  • Cyclically Adjusted FCF per Share: $8.32
  • GF Value™: $50.64 vs. price of $68.32 (34.9% above fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the MZTFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mizrahi Tefahot Bank Business Description

Other Exchanges MZTF:Israel
Address 7 Jabotinsky Street, P.O. Box 3450, Ramat Gan, ISR, 5252007
Mizrahi Tefahot Bank Ltd offers commercial and personal banking services. The business segments of the company are Households (others), Households (residential mortgages), Private banking, Small and Micro businesses, Medium businesses, Large businesses, Institutional investors, and the Financial management segment. The majority of the company's total revenue comes from the household segment. The company derives maximum revenue from Israel.
73GF Score

Get the complete analysis for MZTFF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$68.32
Price
$50.64
GF Value