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HSBC Bank Malta has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
HSBC Bank Malta 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.
GuruFocus does not calculate HSBC Bank Malta's interest coverage with the available data.
HSBC Bank Malta's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.70.
Altman Z-Score does not apply to banks and insurance companies.
HSBC Bank Malta (MAL:HSB) 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.
HSBC Bank Malta has the Financial Strength Rank of 2. 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:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. HSBC Bank Malta PLC has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
HSBC Bank Malta's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is
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.
HSBC Bank Malta (MAL:HSB) has a Financial Strength of 2 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 HSBC Bank Malta and its competitors. This is 33% below median its historical median of 3.00. Over the past decade, HSBC Bank Malta's Financial Strength has ranged from 1.00 to 10.00.
Is HSBC Bank Malta's Financial Strength too high?
HSBC Bank Malta's current Financial Strength of 2 is 33% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, HSBC Bank Malta has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's Financial Strength compare to USB and PNC?
HSBC Bank Malta's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, HSBC Bank Malta's own Financial Strength has ranged from 1.00 to 10.00 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 HSBC Bank Malta and its competitors. HSBC Bank Malta's current Financial Strength is 2, which is 33% below median its own 10-year median of 3.00. 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 Modestly Overvalued. The stock's GF Value™ is €1.30, compared to a current price of €1.50 — trading 15.4% above its estimated fair value. The current Financial Strength is 2, which is 33% below median its 10-year median of 3.00. HSBC Bank Malta's overall GF Score™ is 50/100 with 6 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 HSBC Bank Malta (MAL:HSB), the current Financial Strength is 2 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 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 €1.50 is trading 15.4% above its estimated GF Value™ of €1.30.
GuruFocus considers HSBC Bank Malta to be Modestly Overvalued.
Key valuation signals for MAL:HSB:
Financial Strength: 2 (33% below median its 10-year median of 3.00)
GF Value™: €1.30 vs. price of €1.50 (15.4% 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).
50GF Score
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