Lombard Bank Malta (MAL:LOM) ROE % Adjusted to Book Value: 11.14% (As of Dec. 2025)


MAL:LOM Lombard Bank Malta PLC MAL:LOM
34 GF Score
Price €0.71
GF Value €0.69
Valuation Fairly Valued
! 1 Warning Sign
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What is Lombard Bank Malta ROE % Adjusted to Book Value?

Lombard Bank Malta MAL:LOM +8.40% 34 ROE % Adjusted to Book Value is 11.14% 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.

Lombard Bank Malta's ROE % for the quarter that ended in Dec. 2025 was 6.24%. Lombard Bank Malta's PB Ratio for the quarter that ended in Dec. 2025 was 0.56. Lombard Bank Malta's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 11.14%.


Lombard Bank Malta ROE % Adjusted to Book Value Related Terms


Lombard Bank Malta ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Lombard Bank Malta'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.

Lombard Bank Malta ROE % Adjusted to Book Value Chart

Lombard Bank Malta Annual Data
Trend Dec16 Dec17 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 8.88 18.06 7.60 9.74 12.68

Lombard Bank Malta Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 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 9.64 11.15 7.76 14.85 11.14

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

For the Banks - Regional subindustry, Lombard Bank Malta'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.


Lombard Bank Malta ROE % Adjusted to Book Value vs Banks Industry

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

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


MAL:LOM
34GF Score
Lombard Bank Malta PLC MAL:LOM
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Lombard Bank Malta ROE % Adjusted to Book Value Calculation

Lombard Bank Malta'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
=7.10% / 0.56
=12.68%

Lombard Bank Malta'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
=6.24% / 0.56
=11.14%

* 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 11.14% mean?
Lombard Bank Malta (MAL:LOM) has a ROE % Adjusted to Book Value of 11.14% 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 Lombard Bank Malta and its competitors.
Is Lombard Bank Malta's ROE % Adjusted to Book Value too high?
Lombard Bank Malta's current ROE % Adjusted to Book Value is 11.14%. 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 ROE % Adjusted to Book Value compare to PNC and USB?
Lombard Bank Malta's ROE % Adjusted to Book Value of 11.14% 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 Lombard Bank Malta and its competitors. Lombard Bank Malta's current ROE % Adjusted to Book Value is 11.14%. 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 ROE % Adjusted to Book Value is 11.14%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Lombard Bank Malta (MAL:LOM), the current ROE % Adjusted to Book Value is 11.14% 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:

  • ROE % Adjusted to Book Value: 11.14%
  • GF Value™: €0.69 vs. price of €0.71 (2.9% 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

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

€0.71
Price
€0.69
GF Value