MZTFF (Mizrahi Tefahot Bank) Retained Earnings: $10,321 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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MZTFF Mizrahi Tefahot Bank Ltd MZTFF
73 GF Score
Price $68.32
GF Value $50.56
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Mizrahi Tefahot Bank Retained Earnings?

Mizrahi Tefahot Bank MZTFF 73 Retained Earnings is $10,321 Mil as of Mar. 2026. GuruFocus rates MZTFF with a GF Score™ of 73/100 and a GF Value™ of $50.56 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Mizrahi Tefahot Bank's retained earnings for the quarter that ended in Mar. 2026 was $10,321 Mil.

Mizrahi Tefahot Bank's quarterly retained earnings increased from Sep. 2025 ($9,928 Mil) to Dec. 2025 ($10,145 Mil) and increased from Dec. 2025 ($10,145 Mil) to Mar. 2026 ($10,321 Mil).

Mizrahi Tefahot Bank's annual retained earnings increased from Dec. 2023 ($7,943 Mil) to Dec. 2024 ($9,120 Mil) and increased from Dec. 2024 ($9,120 Mil) to Dec. 2025 ($10,145 Mil).


Mizrahi Tefahot Bank  (OTCPK:MZTFF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Mizrahi Tefahot Bank Retained Earnings Historical Data

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The historical data trend for Mizrahi Tefahot Bank's Retained Earnings 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 Retained Earnings Chart

Mizrahi Tefahot Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5,744.58 6,787.13 7,942.62 9,119.76 10,145.25

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
Retained Earnings 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 9,371.87 9,679.45 9,927.61 10,145.25 10,321.20
MZTFF
73GF Score
Mizrahi Tefahot Bank Ltd MZTFF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Mizrahi Tefahot Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $10,321 Mil mean?
Mizrahi Tefahot Bank (MZTFF) has a Retained Earnings of $10,321 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mizrahi Tefahot Bank and its competitors.
Is Mizrahi Tefahot Bank's Retained Earnings too high?
Mizrahi Tefahot Bank's current Retained Earnings is $10,321 Mil. 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 Retained Earnings compare to PNC and USB?
Mizrahi Tefahot Bank's Retained Earnings of $10,321 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mizrahi Tefahot Bank and its competitors. Mizrahi Tefahot Bank's current Retained Earnings is $10,321 Mil. 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 $50.56, compared to a current price of $68.32 — trading 35.1% above its estimated fair value. The current Retained Earnings is $10,321 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Mizrahi Tefahot Bank (MZTFF), the current Retained Earnings is $10,321 Mil 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 35.1% above its estimated GF Value™ of $50.56. GuruFocus considers Mizrahi Tefahot Bank to be Significantly Overvalued.

Key valuation signals for MZTFF:

  • Retained Earnings: $10,321 Mil
  • GF Value™: $50.56 vs. price of $68.32 (35.1% 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

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$68.32
Price
$50.56
GF Value