HSBC Bank MaltaMAL:HSB -0.70%53 PB Ratio is 0.82 as of Jun. 30, 2026, which is 8% below its 10-year median of 0.89. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.31 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,519 Banks companies, HSBC Bank Malta ranks better than 72.35% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-30), HSBC Bank Malta's share price is €1.42. HSBC Bank Malta's Book Value per Share for the quarter that ended in Dec. 2025 was €1.74. Hence, HSBC Bank Malta's PB Ratio of today is 0.82.
Good Sign:
HSBC Bank Malta PLC stock PB Ratio (=0.82) is close to 3-year low of 0.8.
The historical rank and industry rank for HSBC Bank Malta's PB Ratio or its related term are showing as below:
MAL:HSB'
s PB Ratio Range Over the Past 10 Years
Min: 0.52 Med: 0.89 Max: 1.59
Current: 0.82
During the past 13 years, HSBC Bank Malta's highest PB Ratio was 1.59. The lowest was 0.52. And the median was 0.89.
MAL:HSB's PB Ratio is ranked better than 72.35% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs MAL:HSB: 0.82
During the past 12 months, HSBC Bank Malta's average Book Value Per Share Growth Rate was 4.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of HSBC Bank Malta was 9.80% per year. The lowest was -0.30% per year. And the median was 4.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
HSBC Bank Malta PB Ratio Related Terms
HSBC Bank Malta PB Ratio Historical Data
* Premium members only.
The historical data trend for HSBC Bank Malta's PB Ratio 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, HSBC Bank Malta's PB Ratio, along with its competitors' market caps and PB Ratio 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.
HSBC Bank Malta PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's PB Ratio distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
HSBC Bank Malta's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
HSBC Bank Malta (MAL:HSB) has a PB Ratio of 0.82 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on HSBC Bank Malta and its competitors. This is near median its historical median of 0.89. Over the past decade, HSBC Bank Malta's PB Ratio has ranged from 0.52 to 1.59. According to the industry distribution chart, HSBC Bank Malta ranks #420 out of 1519 companies in the Banks industry, placing it in the top 27.6%.
Is HSBC Bank Malta's PB Ratio too high?
HSBC Bank Malta's current PB Ratio of 0.82 is near median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 1.59. The Banks industry median PB Ratio is 1.09. HSBC Bank Malta's value of 0.82 is 24.8% below this industry median. Based on the distribution chart, HSBC Bank Malta ranks #420 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #420 out of 1519 companies for PB Ratio. This puts HSBC Bank Malta in the upper half of its industry. The industry median PB Ratio is 1.09. HSBC Bank Malta's value of 0.82 is 24.8% below this benchmark. Historically, HSBC Bank Malta's own PB Ratio has ranged from 0.52 to 1.59 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 1.09, HSBC Bank Malta has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HSBC Bank Malta's current PB Ratio of 0.82 is 24.8% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on HSBC Bank Malta and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current PB Ratio is 0.82, which is near median its own 10-year median of 0.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.31, compared to a current price of €1.42 — trading 8.4% above its estimated fair value. The current PB Ratio is 0.82, which is near median its 10-year median of 0.89 and 24.8% below the Banks industry median of 1.09. HSBC Bank Malta's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current PB Ratio is 0.82 as of Jun. 30, 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?
Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued.
The current stock price of €1.42 is trading 8.4% above its estimated GF Value™ of €1.31.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
PB Ratio: 0.82 (near median its 10-year median of 0.89)
GF Value™: €1.31 vs. price of €1.42 (8.4% above fair value)
Industry Position: 24.8% below the Banks median (#420 of 1519)
No single metric tells the full story. See the MAL:HSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF Score
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