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Bank of Valletta has the Financial Strength Rank of 1. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Bank of Valletta PLC displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Bank of Valletta did not have earnings to cover the interest expense.
Bank of Valletta's debt to revenue ratio for the quarter that ended in Jun. 2026 was 2.25.
Altman Z-Score does not apply to banks and insurance companies.
Bank of Valletta (MAL:BOV) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Bank of Valletta has the Financial Strength Rank of 1. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Bank of Valletta (MAL:BOV) has a Financial Strength of 1 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bank of Valletta and its competitors. This is 50% below median its historical median of 2.00. Over the past decade, Bank of Valletta's Financial Strength has ranged from 1.00 to 6.00.
Is Bank of Valletta's Financial Strength too high?
Bank of Valletta's current Financial Strength of 1 is 50% below median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 6.00. Overall, Bank of Valletta has a GF Score™ of 36/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Valletta's Financial Strength compare to USB and PNC?
Bank of Valletta's Financial Strength of 1 can be compared against companies in the Banks industry. Historically, Bank of Valletta's own Financial Strength has ranged from 1.00 to 6.00 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 Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bank of Valletta and its competitors. Bank of Valletta's current Financial Strength is 1, which is 50% below median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Valletta stock overvalued right now?
Based on GuruFocus' analysis, Bank of Valletta (MAL:BOV) is currently considered Modestly Overvalued. The stock's GF Value™ is €2.07, compared to a current price of €2.36 — trading 14% above its estimated fair value. The current Financial Strength is 1, which is 50% below median its 10-year median of 2.00. Bank of Valletta's overall GF Score™ is 36/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Bank of Valletta (MAL:BOV), the current Financial Strength is 1 as of Jun. 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 Bank of Valletta (MAL:BOV) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Valletta stock appears to be overvalued.
The current stock price of €2.36 is trading 14% above its estimated GF Value™ of €2.07.
GuruFocus considers Bank of Valletta to be Modestly Overvalued.
Key valuation signals for MAL:BOV:
Financial Strength: 1 (50% below median its 10-year median of 2.00)
GF Value™: €2.07 vs. price of €2.36 (14% above fair value)
No single metric tells the full story. See the MAL:BOV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Valletta PLC, along with its subsidiaries, carries out the business of banking and investment services. It offers the entire range of retail banking services as well as the sale of financial products such as units in collective investment schemes. Additionally, the Group offers investment banking services, including underwriting and management of Initial Public Offerings (IPOs). Its reportable segments are: Retail Banking, Wealth Management, Business Banking, Treasury, and Others. Maximum revenue is generated from the Business Banking segment, which includes financing and deposit products for all business client segments attributable to business and corporate centers. The Group caters to both individuals and business clients in Malta.
36GF Score
Get the complete analysis for MAL:BOV
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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