EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Lombard Bank Malta's Enterprise Value is €-56.35 Mil.
Lombard Bank Malta's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €34.23 Mil. Therefore, Lombard Bank Malta's EV-to-FCF for today is -1.65.
The historical rank and industry rank for Lombard Bank Malta's EV-to-FCF or its related term are showing as below:
MAL:LOM'
s EV-to-FCF Range Over the Past 10 Years
Min: -14.14 Med: -0.11 Max: 60.19
Current: -1.6
During the past 13 years, the highest EV-to-FCF of Lombard Bank Malta was 60.19. The lowest was -14.14. And the median was -0.11.
MAL:LOM's EV-to-FCF is ranked better than 91.79% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs MAL:LOM: -1.60
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Lombard Bank Malta (MAL:LOM) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Lombard Bank Malta's PE Ratio (TTM) for today is calculated as:
Lombard Bank Malta's share price for today is €0.71.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Lombard Bank Malta's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.100.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Lombard Bank Malta EV-to-FCF Related Terms
Lombard Bank Malta EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Lombard Bank Malta's EV-to-FCF 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, Lombard Bank Malta's EV-to-FCF, along with its competitors' market caps and EV-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.
Lombard Bank Malta EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Lombard Bank Malta's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Lombard Bank Malta's EV-to-FCF falls into.
Lombard Bank Malta's current Enterprise Value is €-56.35 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Lombard Bank Malta's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €34.23 Mil.
* 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.
Lombard Bank Malta (MAL:LOM) has a EV-to-FCF of -1.65 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Lombard Bank Malta and its competitors. According to the industry distribution chart, Lombard Bank Malta ranks #98 out of 1193 companies in the Banks industry, placing it in the top 8.2%.
Is Lombard Bank Malta's EV-to-FCF too high?
Lombard Bank Malta's current EV-to-FCF is -1.65. Based on the distribution chart, Lombard Bank Malta ranks #98 out of 1193 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Lombard Bank Malta has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lombard Bank Malta's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Lombard Bank Malta ranks #98 out of 1193 companies for EV-to-FCF. This places Lombard Bank Malta in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.61. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Lombard Bank Malta and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lombard Bank Malta's current EV-to-FCF is -1.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lombard Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, Lombard Bank Malta (MAL:LOM) is currently considered Fairly Valued. The stock's GF Value™ is €0.69, compared to a current price of €0.71 — trading 2.9% above its estimated fair value. The current EV-to-FCF is -1.65. Lombard Bank Malta's overall GF Score™ is 34/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Lombard Bank Malta (MAL:LOM), the current EV-to-FCF is -1.65 as of Jul. 04, 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 Lombard Bank Malta (MAL:LOM) Overvalued in 2026?
Based on GuruFocus' analysis, Lombard Bank Malta stock appears to be overvalued.
The current stock price of €0.71 is trading 2.9% above its estimated GF Value™ of €0.69.
GuruFocus considers Lombard Bank Malta to be Fairly Valued.
Key valuation signals for MAL:LOM:
EV-to-FCF: -1.65
GF Value™: €0.69 vs. price of €0.71 (2.9% above fair value)
No single metric tells the full story. See the MAL:LOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lombard Bank Malta PLC is engaged in providing banking services and acts as an authorized currency dealer and a financial intermediary. It also provides postal service activities and carries out stockbroking activities. The company has two segments: Banking services and Postal services. The company generates the majority of its revenue from Banking services. Banking services comprise the group's banking services and other activities carried out as a licensed credit institution, an authorized currency dealer, and a financial intermediary. Postal Services comprises the group's postal services activities, being the sole licensed Universal Service Provider of postal services in Malta.
34GF Score
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