APS Bank has the GF Score of 21, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes APS Bank
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
APS Bank (MAL:APS) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
APS Bank GF Score Related Terms
MAL:APS vs PNC, USB: GF Score Comparison
For the Banks - Regional subindustry, APS Bank's GF Score, along with its competitors' market caps and GF Score 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.
APS Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's GF Score distribution charts can be found below:
* The bar in red indicates where APS Bank's GF Score falls into.
APS Bank (MAL:APS) has a GF Score of 21 as of Jul. 02, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on APS Bank and its competitors. This is 91% above median its historical median of 11.00. Over the past decade, APS Bank's GF Score has ranged from 2.00 to 22.00.
Is APS Bank's GF Score too high?
APS Bank's current GF Score of 21 is 91% above median its 10-year median of 11.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 22.00. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's GF Score compare to PNC and USB?
APS Bank's GF Score of 21 can be compared against companies in the Banks industry. Historically, APS Bank's own GF Score has ranged from 2.00 to 22.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on APS Bank and its competitors. APS Bank's current GF Score is 21, which is 91% above median its own 10-year median of 11.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.58 — trading 4.9% below its estimated fair value. The current GF Score is 21, which is 91% above median its 10-year median of 11.00. APS Bank's overall GF Score™ is 21/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For APS Bank (MAL:APS), the current GF Score is 21 as of Jul. 02, 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.58 is trading 4.9% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
GF Score: 21 (91% above median its 10-year median of 11.00)
GF Value™: €0.61 vs. price of €0.58 (4.9% below fair value)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF Score
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