Lombard Bank MaltaMAL:LOM +8.40%34 FCF Margin % is 182.88% as of Dec. 2025, which is 4360% above its 10-year median of 4.10. GuruFocus rates MAL:LOM with a GF Score™ of 34/100 and a GF Value™ of €0.69 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,506 Banks companies, Lombard Bank Malta ranks better than 72.38% on this metric.
The historical rank and industry rank for Lombard Bank Malta's FCF Margin % or its related term are showing as below:
MAL:LOM'
s FCF Margin % Range Over the Past 10 Years
Min: -68.33 Med: 4.1 Max: 83.08
Current: 45.36
During the past 13 years, the highest FCF Margin % of Lombard Bank Malta was 83.08%. The lowest was -68.33%. And the median was 4.10%.
MAL:LOM's FCF Margin % is ranked better than 72.38% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs MAL:LOM: 45.36
Lombard Bank Malta FCF Margin % Related Terms
Lombard Bank Malta FCF Margin % Historical Data
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The historical data trend for Lombard Bank Malta's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lombard Bank Malta's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Lombard Bank Malta's FCF Margin % falls into.
* 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 FCF Margin % of 182.88% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lombard Bank Malta and its competitors. This is 4360% above median its historical median of 4.10. According to the industry distribution chart, Lombard Bank Malta ranks #416 out of 1506 companies in the Banks industry, placing it in the top 27.6%.
Is Lombard Bank Malta's FCF Margin % too high?
Lombard Bank Malta's current FCF Margin % of 182.88% is 4360% above median its 10-year median of 4.10. The Banks industry median FCF Margin % is 26.36. Lombard Bank Malta's value of 182.88% is 593.9% above this industry median. Based on the distribution chart, Lombard Bank Malta ranks #416 out of 1506 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Lombard Bank Malta ranks #416 out of 1506 companies for FCF Margin %. This puts Lombard Bank Malta in the upper half of its industry. The industry median FCF Margin % is 26.36. Lombard Bank Malta's value of 182.88% is 593.9% above this benchmark. While the company's 10-year median is 4.10 vs. the industry median of 26.36, Lombard Bank Malta has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lombard Bank Malta's current FCF Margin % of 182.88% is 593.9% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lombard Bank Malta and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lombard Bank Malta's current FCF Margin % is 182.88%, which is 4360% above median its own 10-year median of 4.10. 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 FCF Margin % is 182.88%, which is 4360% above median its 10-year median of 4.10 and 593.9% above the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Lombard Bank Malta (MAL:LOM), the current FCF Margin % is 182.88% as of Dec. 2025. 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:
FCF Margin %: 182.88% (4360% above median its 10-year median of 4.10)
GF Value™: €0.69 vs. price of €0.71 (2.9% above fair value)
Industry Position: 593.9% above the Banks median (#416 of 1506)
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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