APS Bank (MAL:APS) ROE % Adjusted to Book Value: 10.31% (As of Dec. 2025)


MAL:APS APS Bank Ltd MAL:APS
21 GF Score
Price €0.57
GF Value €0.61
Valuation Fairly Valued
! 7 Warning Signs
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What is APS Bank ROE % Adjusted to Book Value?

APS Bank MAL:APS +0.88% 21 ROE % Adjusted to Book Value is 10.31% as of Dec. 2025. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review.

APS Bank's ROE % for the quarter that ended in Dec. 2025 was 7.01%. APS Bank's PB Ratio for the quarter that ended in Dec. 2025 was 0.68. APS Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 10.31%.

APS Bank ROE % Adjusted to Book Value Related Terms

APS Bank ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for APS Bank's ROE % Adjusted to Book Value 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.

APS Bank ROE % Adjusted to Book Value Chart

APS Bank Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
0.00 3.93 9.45 8.60 7.37

APS Bank Semi-Annual Data
Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.40 7.03 10.49 4.46 10.31

MAL:APS vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, APS Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.

APS Bank ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, APS Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where APS Bank's ROE % Adjusted to Book Value falls into.


MAL:APS
21GF Score
APS Bank Ltd MAL:APS
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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APS Bank ROE % Adjusted to Book Value Calculation

APS Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.01% / 0.68
=7.37%

APS Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=7.01% / 0.68
=10.31%

* 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.

What does a ROE % Adjusted to Book Value of 10.31% mean?
APS Bank (MAL:APS) has a ROE % Adjusted to Book Value of 10.31% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on APS Bank and its competitors.
Is APS Bank's ROE % Adjusted to Book Value too high?
APS Bank's current ROE % Adjusted to Book Value is 10.31%. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's ROE % Adjusted to Book Value compare to PNC and USB?
APS Bank's ROE % Adjusted to Book Value of 10.31% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on APS Bank and its competitors. APS Bank's current ROE % Adjusted to Book Value is 10.31%. 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 6.6% below its estimated fair value. The current ROE % Adjusted to Book Value is 10.31%. APS Bank's overall GF Score™ is 21/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For APS Bank (MAL:APS), the current ROE % Adjusted to Book Value is 10.31% 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 6.6% below its estimated GF Value™ of €0.61. GuruFocus considers APS Bank to be Fairly Valued.

Key valuation signals for MAL:APS:

  • ROE % Adjusted to Book Value: 10.31%
  • GF Value™: €0.61 vs. price of €0.57 (6.6% below fair value)
  • GF Score™: 21/100 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.
21GF Score

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

€0.57
Price
€0.61
GF Value