Lombard Bank Malta (MAL:LOM) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MAL:LOM Lombard Bank Malta PLC MAL:LOM
34 GF Score
Price €0.72
GF Value €0.69
Valuation Fairly Valued
! 1 Warning Sign
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What is Lombard Bank Malta ROC (Joel Greenblatt) %?

Lombard Bank Malta MAL:LOM 34 ROC (Joel Greenblatt) % is % as of Dec. 2025. 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 46 Banks companies, Lombard Bank Malta ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

MAL:LOM
34GF Score
Lombard Bank Malta PLC MAL:LOM
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Lombard Bank Malta (MAL:LOM) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Lombard Bank Malta and its competitors. According to the industry distribution chart, Lombard Bank Malta ranks #999999 out of 46 companies in the Banks industry.
Is Lombard Bank Malta's ROC (Joel Greenblatt) % too high?
Lombard Bank Malta's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Lombard Bank Malta ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to PNC and USB?
According to the Banks industry distribution chart, Lombard Bank Malta ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Lombard Bank Malta in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Lombard Bank Malta and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lombard Bank Malta's current ROC (Joel Greenblatt) % is %. 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 €0.72 — trading 4.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Lombard Bank Malta (MAL:LOM), the current ROC (Joel Greenblatt) % is % 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 €0.72 is trading 4.3% above its estimated GF Value™ of €0.69. GuruFocus considers Lombard Bank Malta to be Fairly Valued.

Key valuation signals for MAL:LOM:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €0.69 vs. price of €0.72 (4.3% above fair value)
  • GF Score™: 34/100 with 1 warning sign

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 Business Description

Address 67, Republic Street, Valletta, MLT, VLT 1117
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

Get the complete analysis for MAL:LOM

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.72
Price
€0.69
GF Value