Bank of Valletta (MAL:BOV) ROE % Adjusted to Book Value: 13.79% (As of Dec. 2025)


MAL:BOV Bank of Valletta PLC MAL:BOV
41 GF Score
Price €2.13
GF Value €1.80
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Bank of Valletta ROE % Adjusted to Book Value?

Bank of Valletta MAL:BOV +0.47% 41 ROE % Adjusted to Book Value is 13.79% as of Dec. 2025. GuruFocus rates MAL:BOV with a GF Score™ of 41/100 and a GF Value™ of €1.80 (Modestly Overvalued). The stock has 9 warning signs investors should review.

Bank of Valletta's ROE % for the quarter that ended in Dec. 2025 was 11.17%. Bank of Valletta's PB Ratio for the quarter that ended in Dec. 2025 was 0.81. Bank of Valletta's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 13.79%.


Bank of Valletta ROE % Adjusted to Book Value Related Terms


Bank of Valletta ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Bank of Valletta'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.

Bank of Valletta ROE % Adjusted to Book Value Chart

Bank of Valletta Annual Data
Trend Sep16 Sep17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.85 6.56 21.71 21.01 14.59

Bank of Valletta Semi-Annual Data
Mar16 Sep16 Mar17 Sep17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 24.85 23.81 20.93 15.11 13.79

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

For the Banks - Regional subindustry, Bank of Valletta'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.


Bank of Valletta ROE % Adjusted to Book Value vs Banks Industry

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

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


MAL:BOV
41GF Score
Bank of Valletta PLC MAL:BOV
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Valletta ROE % Adjusted to Book Value Calculation

Bank of Valletta'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
=11.82% / 0.81
=14.59%

Bank of Valletta'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
=11.17% / 0.81
=13.79%

* 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 13.79% mean?
Bank of Valletta (MAL:BOV) has a ROE % Adjusted to Book Value of 13.79% 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 Bank of Valletta and its competitors.
Is Bank of Valletta's ROE % Adjusted to Book Value too high?
Bank of Valletta's current ROE % Adjusted to Book Value is 13.79%. Overall, Bank of Valletta has a GF Score™ of 41/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Valletta's ROE % Adjusted to Book Value compare to PNC and USB?
Bank of Valletta's ROE % Adjusted to Book Value of 13.79% 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 Bank of Valletta and its competitors. Bank of Valletta's current ROE % Adjusted to Book Value is 13.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Valletta stock overvalued right now?
Based on GuruFocus' analysis, Bank of Valletta (MAL:BOV) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.80, compared to a current price of €2.13 — trading 18.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 13.79%. Bank of Valletta's overall GF Score™ is 41/100 with 9 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 Bank of Valletta (MAL:BOV), the current ROE % Adjusted to Book Value is 13.79% 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 Bank of Valletta (MAL:BOV) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Valletta stock appears to be overvalued. The current stock price of €2.13 is trading 18.3% above its estimated GF Value™ of €1.80. GuruFocus considers Bank of Valletta to be Modestly Overvalued.

Key valuation signals for MAL:BOV:

  • ROE % Adjusted to Book Value: 13.79%
  • GF Value™: €1.80 vs. price of €2.13 (18.3% above fair value)
  • GF Score™: 41/100 with 9 warning signs

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


Bank of Valletta Business Description

Address 58, Triq San Zakkarija, Il-Belt, Valletta, MLT, VLT 1130
Bank of Valletta PLC, along with its subsidiaries, carries out the business of banking and investment services. It offers the entire range of retail banking services as well as the sale of financial products such as units in collective investment schemes. Additionally, the Group offers investment banking services, including underwriting and management of Initial Public Offerings (IPOs). Its reportable segments are: Retail Banking, Wealth Management, Business Banking, Treasury, and Others. Maximum revenue is generated from the Business Banking segment, which includes financing and deposit products for all business client segments attributable to business and corporate centers. The Group caters to both individuals and business clients in Malta.
41GF 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.

€2.13
Price
€1.80
GF Value