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HSBC Bank MaltaMAL:HSB 53 Peter Lynch Fair Value is €1.23 as of Jul. 16, 2026, which is 100% below its 10-year median of 2.22. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.33 (Fairly Valued). The stock has 6 warning signs investors should review. Among 869 Banks companies, HSBC Bank Malta ranks worse than 51.32% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, HSBC Bank Malta's PEG is 1. HSBC Bank Malta's 5-Year TTM Book Value Growth Rate is 6.16.
HSBC Bank Malta's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was €0.20. Therefore, the Peter Lynch Fair Value for today is €1.23.
As of today (2026-07-16), HSBC Bank Malta's share price is €1.41. HSBC Bank Malta's Peter Lynch fair value is €1.23. Therefore, HSBC Bank Malta's Price to Peter Lynch Fair Value Ratio for today is 1.14.
The historical rank and industry rank for HSBC Bank Malta's Peter Lynch Fair Value or its related term are showing as below:
MAL:HSB'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.15 Med: 2.22 Max: 3.28
Current: 1.15
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of HSBC Bank Malta was 3.28. The lowest was 1.15. And the median was 2.22.
MAL:HSB's Price-to-Peter-Lynch-Fair-Value is ranked worse than 51.32% of 869
companies
in the Banks industry
Industry Median: 1.12
vs MAL:HSB: 1.15
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
HSBC Bank Malta (MAL:HSB) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 6.16 instead of 15 in this case.
HSBC Bank Malta's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
1.41
/
1.23
=
1.14
* 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.
HSBC Bank Malta Peter Lynch Fair Value Related Terms
HSBC Bank Malta Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for HSBC Bank Malta's Peter Lynch Fair Value 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.
MAL:HSB vs PNC, USB: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, HSBC Bank Malta's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. HSBC Bank Malta's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was €0.20.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
HSBC Bank Malta (MAL:HSB) has a Peter Lynch Fair Value of €1.23 as of Jul. 16, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on HSBC Bank Malta and its competitors. This is 45% below median its historical median of 2.22. Over the past decade, HSBC Bank Malta's Peter Lynch Fair Value has ranged from 1.15 to 3.28. According to the industry distribution chart, HSBC Bank Malta ranks #446 out of 869 companies in the Banks industry, placing it in the top 51.3%.
Is HSBC Bank Malta's Peter Lynch Fair Value too high?
HSBC Bank Malta's current Peter Lynch Fair Value of €1.23 is 45% below median its 10-year median of 2.22. Over the past 10 years, this metric has ranged from a low of 1.15 to a high of 3.28. Based on the distribution chart, HSBC Bank Malta ranks #446 out of 869 companies in the Banks industry, which is below 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 Peter Lynch Fair Value compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #446 out of 869 companies for Peter Lynch Fair Value. This places HSBC Bank Malta in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.12. Historically, HSBC Bank Malta's own Peter Lynch Fair Value has ranged from 1.15 to 3.28 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 Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.12, based on 869 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on HSBC Bank Malta and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current Peter Lynch Fair Value is €1.23, which is 45% below median its own 10-year median of 2.22. 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 €1.33, compared to a current price of €1.41 — trading 6% above its estimated fair value. The current Peter Lynch Fair Value is €1.23, which is 45% below median its 10-year median of 2.22. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current Peter Lynch Fair Value is €1.23 as of Jul. 16, 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 €1.41 is trading 6% above its estimated GF Value™ of €1.33.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
Peter Lynch Fair Value: €1.23 (45% below median its 10-year median of 2.22)
GF Value™: €1.33 vs. price of €1.41 (6% above fair value)
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
Get the complete analysis for MAL:HSB
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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