APS Bank (MAL:APS) Total Noninterest Expense: €62.77 Mil (As of Dec. 2025)

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MAL:APS APS Bank Ltd MAL:APS
18 GF Score
Price €0.55
GF Value €0.61
Valuation Modestly Undervalued
! 7 Warning Signs
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What is APS Bank Total Noninterest Expense?

APS Bank MAL:APS 18 Total Noninterest Expense is €62.77 Mil as of Dec. 2025. GuruFocus rates MAL:APS with a GF Score™ of 18/100 and a GF Value™ of €0.61 (Modestly Undervalued). The stock has 7 warning signs investors should review.

APS Bank's Total Noninterest Expense for the six months ended in Dec. 2025 was €31.15 Mil. APS Bank's Total Noninterest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was €62.77 Mil.


APS Bank Total Noninterest Expense Related Terms


APS Bank Total Noninterest Expense Historical Data

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The historical data trend for APS Bank's Total Noninterest Expense 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.

APS Bank Total Noninterest Expense Chart

APS Bank Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Total Noninterest Expense
39.08 48.99 55.23 59.09 62.77

APS Bank Semi-Annual Data
Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Total Noninterest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only 29.66 28.39 30.70 31.62 31.15
MAL:APS
18GF Score
APS Bank Ltd MAL:APS
Total Noninterest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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APS Bank Total Noninterest Expense Calculation

Total Noninterest Expense is any expenses incurred that not related to interest. It includes:
Selling, General, & Admin. Expense
Occupancy
Equipment
Professional fees
Amortization of intangibles
Any other special income/charges (too numerous to list)
Some banks can do choose to report each of these items separately. Yet, there are a variety of noninterest expense which are simply too numerous to list.

Total Noninterest Expense for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €62.77 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.

What does a Total Noninterest Expense of €62.77 Mil mean?
APS Bank (MAL:APS) has a Total Noninterest Expense of €62.77 Mil as of Dec. 2025. Total noninterest expense is any expenses incurred that not related to interest. View historical data on APS Bank and its competitors.
Is APS Bank's Total Noninterest Expense too high?
APS Bank's current Total Noninterest Expense is €62.77 Mil. Overall, APS Bank has a GF Score™ of 18/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Total Noninterest Expense compare to PNC and USB?
APS Bank's Total Noninterest Expense of €62.77 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Noninterest Expense for a Banks company?
A good Total Noninterest Expense depends on the Banks industry context. However, Total Noninterest Expense 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 Total Noninterest Expense mean?
A high Total Noninterest Expense can signal that a stock is expensive relative to its fundamentals. Total noninterest expense is any expenses incurred that not related to interest. View historical data on APS Bank and its competitors. APS Bank's current Total Noninterest Expense is €62.77 Mil. 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 Modestly Undervalued. The stock's GF Value™ is €0.61, compared to a current price of €0.55 — trading 9.8% below its estimated fair value. The current Total Noninterest Expense is €62.77 Mil. APS Bank's overall GF Score™ is 18/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Noninterest Expense calculated?
Total Noninterest Expense is calculated from a company's financial statements. For APS Bank (MAL:APS), the current Total Noninterest Expense is €62.77 Mil 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 APS Bank (MAL:APS) Overvalued in 2026?

Based on GuruFocus' analysis, APS Bank stock appears to be undervalued. The current stock price of €0.55 is trading 9.8% below its estimated GF Value™ of €0.61. GuruFocus considers APS Bank to be Modestly Undervalued.

Key valuation signals for MAL:APS:

  • Total Noninterest Expense: €62.77 Mil
  • GF Value™: €0.61 vs. price of €0.55 (9.8% below fair value)
  • GF Score™: 18/100 with 7 warning signs

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 Business Description

Address Tower Street, APS Centre, APS Bank, Birkirkara, MLT, BKR 4012
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.
18GF Score

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

€0.55
Price
€0.61
GF Value