HSBC Bank MaltaMAL:HSB -0.70%53 Return-on-Tangible-Equity is 11.12% as of Dec. 2025, which is 42% above its 10-year median of 7.81. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.32 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, HSBC Bank Malta ranks better than 55.35% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. HSBC Bank Malta's annualized net income for the quarter that ended in Dec. 2025 was €66.6 Mil. HSBC Bank Malta's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €599.2 Mil. Therefore, HSBC Bank Malta's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 11.12%.
The historical rank and industry rank for HSBC Bank Malta's Return-on-Tangible-Equity or its related term are showing as below:
MAL:HSB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.82 Med: 7.81 Max: 18.2
Current: 12.09
During the past 13 years, HSBC Bank Malta's highest Return-on-Tangible-Equity was 18.20%. The lowest was 1.82%. And the median was 7.81%.
MAL:HSB's Return-on-Tangible-Equity is ranked better than 55.35% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs MAL:HSB: 12.09
HSBC Bank Malta (MAL:HSB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
HSBC Bank Malta Return-on-Tangible-Equity Related Terms
HSBC Bank Malta Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for HSBC Bank Malta's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, HSBC Bank Malta's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.12% mean?
HSBC Bank Malta (MAL:HSB) has a Return-on-Tangible-Equity of 11.12% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on HSBC Bank Malta and its competitors. This is 42% above median its historical median of 7.81. Over the past decade, HSBC Bank Malta's Return-on-Tangible-Equity has ranged from 1.82 to 18.20. According to the industry distribution chart, HSBC Bank Malta ranks #680 out of 1523 companies in the Banks industry, placing it in the top 44.6%.
Is HSBC Bank Malta's Return-on-Tangible-Equity too high?
HSBC Bank Malta's current Return-on-Tangible-Equity of 11.12% is 42% above median its 10-year median of 7.81. Over the past 10 years, this metric has ranged from a low of 1.82 to a high of 18.20. The Banks industry median Return-on-Tangible-Equity is 11.19. HSBC Bank Malta's value of 11.12% is 0.6% below this industry median. Based on the distribution chart, HSBC Bank Malta ranks #680 out of 1523 companies in the Banks industry, which is above 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-Equity compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #680 out of 1523 companies for Return-on-Tangible-Equity. This puts HSBC Bank Malta in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. HSBC Bank Malta's value of 11.12% is 0.6% below this benchmark. Historically, HSBC Bank Malta's own Return-on-Tangible-Equity has ranged from 1.82 to 18.20 over the past decade. While the company's 10-year median is 7.81 vs. the industry median of 11.19, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 11.12% is 0.6% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on HSBC Bank Malta and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — 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-Equity is 11.12%, which is 42% above median its own 10-year median of 7.81. 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 €1.32, compared to a current price of €1.42 — trading 7.6% above its estimated fair value. The current Return-on-Tangible-Equity is 11.12%, which is 42% above median its 10-year median of 7.81 and 0.6% below the Banks industry median of 11.19. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current Return-on-Tangible-Equity is 11.12% 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 €1.42 is trading 7.6% above its estimated GF Value™ of €1.32.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
Return-on-Tangible-Equity: 11.12% (42% above median its 10-year median of 7.81)
GF Value™: €1.32 vs. price of €1.42 (7.6% above fair value)
Industry Position: 0.6% below the Banks median (#680 of 1523)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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