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HSBC Bank MaltaMAL:HSB +1.37%53 Equity-to-Asset is 0.08 as of Jun. 2026, which is 14% above its 10-year median of 0.07. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.29 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, HSBC Bank Malta ranks worse than 66.6% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. HSBC Bank Malta's Total Stockholders Equity for the quarter that ended in Jun. 2026 was €625.4 Mil. HSBC Bank Malta's Total Assets for the quarter that ended in Jun. 2026 was €7,880.3 Mil.
Therefore, HSBC Bank Malta's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.08.
The historical rank and industry rank for HSBC Bank Malta's Equity-to-Asset or its related term are showing as below:
MAL:HSB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.07 Max: 0.08
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of HSBC Bank Malta was 0.08. The lowest was 0.06. And the median was 0.07.
MAL:HSB's Equity-to-Asset is ranked worse than 66.6% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs MAL:HSB: 0.08
HSBC Bank Malta (MAL:HSB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
HSBC Bank Malta Equity-to-Asset Related Terms
HSBC Bank Malta Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for HSBC Bank Malta's Equity-to-Asset 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.
For the Banks - Regional subindustry, HSBC Bank Malta's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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.
HSBC Bank Malta Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
HSBC Bank Malta's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
HSBC Bank Malta (MAL:HSB) has a Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on HSBC Bank Malta and its competitors. This is 14% above median its historical median of 0.07. Over the past decade, HSBC Bank Malta's Equity-to-Asset has ranged from 0.06 to 0.08. According to the industry distribution chart, HSBC Bank Malta ranks #1015 out of 1524 companies in the Banks industry, placing it in the top 66.6%.
Is HSBC Bank Malta's Equity-to-Asset too high?
HSBC Bank Malta's current Equity-to-Asset of 0.08 is 14% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.08. The Banks industry median Equity-to-Asset is 0.10. HSBC Bank Malta's value of 0.08 is 20% below this industry median. Based on the distribution chart, HSBC Bank Malta ranks #1015 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #1015 out of 1524 companies for Equity-to-Asset. This places HSBC Bank Malta in the lower half of its industry. The industry median Equity-to-Asset is 0.10. HSBC Bank Malta's value of 0.08 is 20% below this benchmark. Historically, HSBC Bank Malta's own Equity-to-Asset has ranged from 0.06 to 0.08 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, HSBC Bank Malta has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HSBC Bank Malta's current Equity-to-Asset of 0.08 is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on HSBC Bank Malta and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current Equity-to-Asset is 0.08, which is 14% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.29, compared to a current price of €1.48 — trading 14.7% above its estimated fair value. The current Equity-to-Asset is 0.08, which is 14% above median its 10-year median of 0.07 and 20% below the Banks industry median of 0.10. HSBC Bank Malta's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current Equity-to-Asset is 0.08 as of Jun. 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?
Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued.
The current stock price of €1.48 is trading 14.7% above its estimated GF Value™ of €1.29.
GuruFocus considers HSBC Bank Malta to be Modestly Overvalued.
Key valuation signals for MAL:HSB:
Equity-to-Asset: 0.08 (14% above median its 10-year median of 0.07)
GF Value™: €1.29 vs. price of €1.48 (14.7% above fair value)
Industry Position: 20% below the Banks median (#1015 of 1524)
No single metric tells the full story. See the MAL:HSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF Score
Get the complete analysis for MAL:HSB
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