APS Bank (MAL:APS) ROCE %: % (As of Dec. 2025)


MAL:APS APS Bank Ltd MAL:APS
20 GF Score
Price €0.57
GF Value €0.61
Valuation Fairly Valued
! 7 Warning Signs
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What is APS Bank ROCE %?

APS Bank MAL:APS -0.88% 20 ROCE % is % as of Dec. 2025. GuruFocus rates MAL:APS with a GF Score™ of 20/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

MAL:APS
20GF Score
APS Bank Ltd MAL:APS
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
APS Bank (MAL:APS) has a ROCE % of % as of Dec. 2025.
Is APS Bank's ROCE % too high?
APS Bank's current ROCE % is %. Overall, APS Bank has a GF Score™ of 20/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's ROCE % compare to PNC and USB?
APS Bank's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. APS Bank's current ROCE % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 7.4% below its estimated fair value. The current ROCE % is %. APS Bank's overall GF Score™ is 20/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For APS Bank (MAL:APS), the current ROCE % 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 APS Bank (MAL:APS) Overvalued in 2026?

Based on GuruFocus' analysis, APS Bank stock appears to be undervalued. The current stock price of €0.57 is trading 7.4% below its estimated GF Value™ of €0.61. GuruFocus considers APS Bank to be Fairly Valued.

Key valuation signals for MAL:APS:

  • ROCE %: %
  • GF Value™: €0.61 vs. price of €0.57 (7.4% below fair value)
  • GF Score™: 20/100 with 7 warning signs

No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

APS Bank Business Description

Address Tower Street, APS Centre, APS Bank, Birkirkara, MLT, BKR 4012
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
20GF Score

Get the complete analysis for MAL:APS

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.57
Price
€0.61
GF Value