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HSBC Bank MaltaMAL:HSB 53 Return-on-Tangible-Asset is 0.83% as of Dec. 2025, which is 77% above its 10-year median of 0.47. 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 1,529 Banks companies, HSBC Bank Malta ranks worse than 55.85% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. HSBC Bank Malta's annualizedNet Income for the quarter that ended in Dec. 2025 was €66.6 Mil. HSBC Bank Malta's average total tangible assets for the quarter that ended in Dec. 2025 was €8,004.5 Mil. Therefore, HSBC Bank Malta's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.83%.
The historical rank and industry rank for HSBC Bank Malta's Return-on-Tangible-Asset or its related term are showing as below:
MAL:HSB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.47 Max: 1.3
Current: 0.91
During the past 13 years, HSBC Bank Malta's highest Return-on-Tangible-Asset was 1.30%. The lowest was 0.12%. And the median was 0.47%.
MAL:HSB's Return-on-Tangible-Asset is ranked worse than 55.85% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs MAL:HSB: 0.91
HSBC Bank Malta (MAL:HSB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
HSBC Bank Malta Return-on-Tangible-Asset Related Terms
HSBC Bank Malta Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for HSBC Bank Malta's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, HSBC Bank Malta's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.83% mean?
HSBC Bank Malta (MAL:HSB) has a Return-on-Tangible-Asset of 0.83% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on HSBC Bank Malta and its competitors. This is 77% above median its historical median of 0.47. Over the past decade, HSBC Bank Malta's Return-on-Tangible-Asset has ranged from 0.12 to 1.30. According to the industry distribution chart, HSBC Bank Malta ranks #854 out of 1529 companies in the Banks industry, placing it in the top 55.9%.
Is HSBC Bank Malta's Return-on-Tangible-Asset too high?
HSBC Bank Malta's current Return-on-Tangible-Asset of 0.83% is 77% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.30. The Banks industry median Return-on-Tangible-Asset is 0.99. HSBC Bank Malta's value of 0.83% is 16.2% below this industry median. Based on the distribution chart, HSBC Bank Malta ranks #854 out of 1529 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 Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #854 out of 1529 companies for Return-on-Tangible-Asset. This places HSBC Bank Malta in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. HSBC Bank Malta's value of 0.83% is 16.2% below this benchmark. Historically, HSBC Bank Malta's own Return-on-Tangible-Asset has ranged from 0.12 to 1.30 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HSBC Bank Malta's current Return-on-Tangible-Asset of 0.83% is 16.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on HSBC Bank Malta and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current Return-on-Tangible-Asset is 0.83%, which is 77% above median its own 10-year median of 0.47. 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 Return-on-Tangible-Asset is 0.83%, which is 77% above median its 10-year median of 0.47 and 16.2% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current Return-on-Tangible-Asset is 0.83% 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 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:
Return-on-Tangible-Asset: 0.83% (77% above median its 10-year median of 0.47)
GF Value™: €1.33 vs. price of €1.41 (6% above fair value)
Industry Position: 16.2% below the Banks median (#854 of 1529)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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