Lombard Bank Malta (MAL:LOM) Moat Score: 0/10 (As of Jul. 08, 2026)


MAL:LOM Lombard Bank Malta PLC MAL:LOM
34 GF Score
Price €0.71
GF Value €0.69
Valuation Fairly Valued
! 1 Warning Sign
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What is Lombard Bank Malta Moat Score?

Lombard Bank Malta has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Lombard Bank Malta has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Lombard Bank Malta might have No Moat - No discernible moat.

Lombard Bank Malta  (MAL:LOM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Lombard Bank Malta Moat Score Related Terms

MAL:LOM
34GF Score
Lombard Bank Malta PLC MAL:LOM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: €0.69 vs. price of €0.71 (2.9% above fair value)
  • GF Score™: 34/100 with 1 warning sign

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 Business Description

Address 67, Republic Street, Valletta, MLT, VLT 1117
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

Get the complete analysis for MAL:LOM

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.71
Price
€0.69
GF Value