Lombard Bank MaltaMAL:LOM +8.40%34 ROA % is 0.95% as of Dec. 2025, which is 20% above its 10-year median of 0.79. 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 1,530 Banks companies, Lombard Bank Malta ranks better than 57.45% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Lombard Bank Malta's annualizedNet Income for the quarter that ended in Dec. 2025 was €13.72 Mil.
Lombard Bank Malta's average Total Assets over the quarter that ended in Dec. 2025 was €1,444.70 Mil. Therefore, Lombard Bank Malta's annualized ROA % for the quarter that ended in Dec. 2025 was 0.95%.
The historical rank and industry rank for Lombard Bank Malta's ROA % or its related term are showing as below:
MAL:LOM'
s ROA % Range Over the Past 10 Years
Min: 0.57 Med: 0.79 Max: 1.48
Current: 1.08
During the past 13 years, Lombard Bank Malta's highest ROA % was 1.48%. The lowest was 0.57%. And the median was 0.79%.
MAL:LOM's ROA % is ranked better than 57.45% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs MAL:LOM: 1.08
Lombard Bank Malta (MAL:LOM) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Lombard Bank Malta ROA % Related Terms
Lombard Bank Malta ROA % Historical Data
* Premium members only.
The historical data trend for Lombard Bank Malta's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Lombard Bank Malta's ROA % distribution charts can be found below:
* The bar in red indicates where Lombard Bank Malta's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Lombard Bank Malta (MAL:LOM) has a ROA % of 0.95% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Lombard Bank Malta and its competitors. This is 20% above median its historical median of 0.79. Over the past decade, Lombard Bank Malta's ROA % has ranged from 0.57 to 1.48. According to the industry distribution chart, Lombard Bank Malta ranks #651 out of 1530 companies in the Banks industry, placing it in the top 42.5%.
Is Lombard Bank Malta's ROA % too high?
Lombard Bank Malta's current ROA % of 0.95% is 20% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.48. The Banks industry median ROA % is 0.98. Lombard Bank Malta's value of 0.95% is 3.1% below this industry median. Based on the distribution chart, Lombard Bank Malta ranks #651 out of 1530 companies in the Banks industry, which is above 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 ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Lombard Bank Malta ranks #651 out of 1530 companies for ROA %. This puts Lombard Bank Malta in the upper half of its industry. The industry median ROA % is 0.98. Lombard Bank Malta's value of 0.95% is 3.1% below this benchmark. Historically, Lombard Bank Malta's own ROA % has ranged from 0.57 to 1.48 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lombard Bank Malta's current ROA % of 0.95% is 3.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Lombard Bank Malta and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lombard Bank Malta's current ROA % is 0.95%, which is 20% above median its own 10-year median of 0.79. 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 ROA % is 0.95%, which is 20% above median its 10-year median of 0.79 and 3.1% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Lombard Bank Malta (MAL:LOM), the current ROA % is 0.95% 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:
ROA %: 0.95% (20% above median its 10-year median of 0.79)
GF Value™: €0.69 vs. price of €0.71 (2.9% above fair value)
Industry Position: 3.1% below the Banks median (#651 of 1530)
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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