MIND CTI (MNDO) AI Stock Analysis

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MIND CTI

(NASDAQ:MNDO)

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Rating:60Neutral

Price Target:$1.50▲(18.11% Upside)

Action:reiterated

Date:11/11/26

The score is driven primarily by fundamentals: MNDO’s low-debt balance sheet and positive (though weakening) cash generation support resilience, but declining revenue and a TTM shift to a net loss materially reduce confidence in near-term performance. Technical signals are bearish/oversold with negative MACD, partially offset by a low P/E valuation.

Positive Factors

Acquisition AgreementEnghouse’s proposed acquisition provides a defined strategic outcome and a potential source of financial and operational support beyond MNDO’s standalone resources. Board approval and the absence of a financing condition strengthen transaction certainty, although shareholder and other closing conditions remain.

Negative Factors

Declining RevenueA multi-period revenue decline indicates weakening demand, customer activity, or deployment volume rather than a single isolated fluctuation. Sustained top-line contraction can reduce operating leverage, limit reinvestment capacity, and make recovery in earnings more dependent on cost controls.

MIND CTI (MNDO) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $25.87M
Dividend Yield: ―
Average Volume (3M): 239.48K
Price to Earnings (P/E): -55.7
Beta (1Y): 0.69
Revenue Growth: -4.20%
EPS Growth: -113.48%
Country: US
Employees: 139
Sector: Technology
Sector Strength: 61
Industry: Software - Application

MIND CTI Business Overview & Revenue Model

Company Description

MIND C.T.I. Ltd., along with its subsidiaries, specializes in providing comprehensive billing and customer relationship management (CRM) systems. The company's activities span the entire lifecycle, from design and development to global distribution,...

How the Company Makes Money

MIND C.T.I. makes money primarily by selling and supporting telecommunications billing and customer care software. Its revenue model typically includes (1) software license fees (or equivalent rights-to-use fees) when customers purchase its billing/c...

MIND CTI Financial Statement Overview

Summary

Strong balance sheet with very low leverage (Balance Sheet Score 82) and historically solid profitability, but recent fundamentals weakened: revenue has been contracting and TTM earnings shifted to a small loss (Income Statement Score 52). Cash flow remains positive but has deteriorated versus prior periods (Cash Flow Score 62).

Income Statement

52Neutral

Balance Sheet

82Very Positive

Cash Flow

62Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	18.94M	19.46M	21.45M	21.61M	21.55M	26.33M
Gross Profit	10.59M	9.92M	10.74M	10.87M	11.51M	13.88M
EBITDA	3.87M	3.04M	5.17M	5.75M	5.89M	7.13M
Net Income	-293.00K	2.60M	4.63M	5.17M	5.29M	5.95M
Balance Sheet
Total Assets	27.14M	30.17M	30.70M	31.63M	31.74M	33.13M
Cash, Cash Equivalents and Short-Term Investments	13.68M	13.55M	15.75M	16.60M	17.48M	18.46M
Total Debt	726.00K	929.00K	825.00K	642.00K	886.00K	1.47M
Total Liabilities	6.44M	7.12M	6.41M	7.14M	7.94M	9.40M
Stockholders Equity	20.70M	23.05M	24.30M	24.49M	23.81M	23.73M
Cash Flow
Free Cash Flow	2.62M	3.96M	4.10M	4.04M	4.43M	6.82M
Operating Cash Flow	2.63M	3.99M	4.11M	4.10M	4.56M	6.90M
Investing Cash Flow	-3.60M	4.27M	2.29M	-1.54M	1.83M	-5.69M
Financing Cash Flow	-1.12M	-4.63M	-4.87M	-4.84M	-5.23M	-5.20M

MIND CTI Technical Analysis

Technical Analysis SentimentPositive

Last Price1.27

Price Trends

50DMA0.98Positive

100DMA1.00Positive

200DMA1.04Positive

Market Momentum

MACD0.07Negative

RSI81.22Negative

STOCH99.19Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNDO, the sentiment is Positive. The current price of 1.27 is above the 20-day moving average (MA) of 0.97, above the 50-day MA of 0.98, and above the 200-day MA of 1.04, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 81.22 is Negative, neither overbought nor oversold. The STOCH value of 99.19 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNDO.

MIND CTI Risk Analysis

MIND CTI disclosed 33 risk factors in its most recent earnings report. MIND CTI reported the most risks in the "Tech & Innovation" category.

Tech & Innovation - Risks related to the company’s reliance on technology and ability to make innovative products

Latest Risks Added

0 New Risks

MIND CTI Peers Comparison

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

MNDO against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NTWK	70Outperform	$63.17M	10.80	13.96%	―	13.94%	1032.68%
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
MNDO	60Neutral	$25.87M	-55.70	-1.28%	―	-4.20%	-113.48%
AWRE	44Neutral	$20.45M	-2.42	-36.87%	―	-9.81%	-45.08%
CNTM	40Underperform	$26.27M	-9.85	-18.91%	―	25.50%	88.69%
AIXI	37Underperform	$1.01M	-0.00	78.82%	―	-96.21%	-112.17%

* Technology Sector Average

Performance Comparison

MNDO and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
MNDO	MIND C.T.I. Ltd	1.27	0.10	8.55%
AWRE	Aware Inc.	0.93	-1.30	-58.30%
NTWK	Netsol	5.02	2.16	75.52%
CNTM	Connectm Technology Solutions Inc.	4.39	-2.62	-37.37%
AIXI	Xiao-I Corp. ADR	1.92	-101.70	-98.15%

MIND CTI Corporate Events

MIND CTI Announces Enghouse Acquisition Agreement, Q3 Results and CEO Appointment

Nov 10, 2026

On November 10, 2026, MIND CTI entered an agreement for Enghouse Systems to acquire all outstanding shares for $1.30 in cash each, valuing the equity at approximately $25.4 million. The price represented a 42% premium to MIND CTI’s weighted average c...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 11, 2026

MIND CTI AI Stock Analysis