Lombard Bank MaltaMAL:LOM +8.40%34 Pretax Margin % is 28.98% as of Dec. 2025, which is 35% above its 10-year median of 21.47. GuruFocus rates MAL:LOM with a GF Score™ of 34/100 and a GF Value™ of €0.69 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Lombard Bank Malta ranks worse than 58.84% on this metric.
The historical rank and industry rank for Lombard Bank Malta's Pretax Margin % or its related term are showing as below:
MAL:LOM'
s Pretax Margin % Range Over the Past 10 Years
Min: 15.32 Med: 21.47 Max: 47.29
Current: 31.5
MAL:LOM's Pretax Margin % is ranked worse than 58.84% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs MAL:LOM: 31.50
Lombard Bank Malta (MAL:LOM) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Lombard Bank Malta Pretax Margin % Related Terms
Lombard Bank Malta Pretax Margin % Historical Data
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The historical data trend for Lombard Bank Malta's Pretax Margin % 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, Lombard Bank Malta's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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.
Lombard Bank Malta Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lombard Bank Malta's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Lombard Bank Malta's Pretax Margin % falls into.
* 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.
Lombard Bank Malta (MAL:LOM) has a Pretax Margin % of 28.98% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lombard Bank Malta and its competitors. This is 35% above median its historical median of 21.47. Over the past decade, Lombard Bank Malta's Pretax Margin % has ranged from 15.32 to 47.29. According to the industry distribution chart, Lombard Bank Malta ranks #899 out of 1528 companies in the Banks industry, placing it in the top 58.8%.
Is Lombard Bank Malta's Pretax Margin % too high?
Lombard Bank Malta's current Pretax Margin % of 28.98% is 35% above median its 10-year median of 21.47. Over the past 10 years, this metric has ranged from a low of 15.32 to a high of 47.29. The Banks industry median Pretax Margin % is 34.72. Lombard Bank Malta's value of 28.98% is 16.5% below this industry median. Based on the distribution chart, Lombard Bank Malta ranks #899 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Lombard Bank Malta has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lombard Bank Malta's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Lombard Bank Malta ranks #899 out of 1528 companies for Pretax Margin %. This places Lombard Bank Malta in the lower half of its industry. The industry median Pretax Margin % is 34.72. Lombard Bank Malta's value of 28.98% is 16.5% below this benchmark. Historically, Lombard Bank Malta's own Pretax Margin % has ranged from 15.32 to 47.29 over the past decade. While the company's 10-year median is 21.47 vs. the industry median of 34.72, Lombard 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lombard Bank Malta's current Pretax Margin % of 28.98% is 16.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lombard Bank Malta and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lombard Bank Malta's current Pretax Margin % is 28.98%, which is 35% above median its own 10-year median of 21.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lombard Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, Lombard Bank Malta (MAL:LOM) is currently considered Fairly Valued. The stock's GF Value™ is €0.69, compared to a current price of €0.71 — trading 2.9% above its estimated fair value. The current Pretax Margin % is 28.98%, which is 35% above median its 10-year median of 21.47 and 16.5% below the Banks industry median of 34.72. Lombard Bank Malta's overall GF Score™ is 34/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Lombard Bank Malta (MAL:LOM), the current Pretax Margin % is 28.98% 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 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:
Pretax Margin %: 28.98% (35% above median its 10-year median of 21.47)
GF Value™: €0.69 vs. price of €0.71 (2.9% above fair value)
Industry Position: 16.5% below the Banks median (#899 of 1528)
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 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
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