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Bank of VallettaMAL:BOV 41 ROE % is 11.17% as of Dec. 2025, which is 24% above its 10-year median of 9.00. GuruFocus rates MAL:BOV with a GF Score™ of 41/100 and a GF Value™ of €1.81 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,528 Banks companies, Bank of Valletta ranks better than 61.65% on this metric.
The historical rank and industry rank for Bank of Valletta's ROE % or its related term are showing as below:
MAL:BOV'
s ROE % Range Over the Past 10 Years
Min: 1.29 Med: 9 Max: 14.92
Current: 11.84
During the past 13 years, Bank of Valletta's highest ROE % was 14.92%. The lowest was 1.29%. And the median was 9.00%.
MAL:BOV's ROE % is ranked better than 61.65% of 1528
companies
in the Banks industry
Industry Median: 10.225
vs MAL:BOV: 11.84
Bank of Valletta (MAL:BOV) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Bank of Valletta ROE % Related Terms
Bank of Valletta ROE % Historical Data
* Premium members only.
The historical data trend for Bank of Valletta's ROE % 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.
For the Banks - Regional subindustry, Bank of Valletta's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Valletta's ROE % distribution charts can be found below:
* The bar in red indicates where Bank of Valletta's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Bank of Valletta (MAL:BOV) has a ROE % of 11.17% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of Valletta and its competitors. This is 24% above median its historical median of 9.00. Over the past decade, Bank of Valletta's ROE % has ranged from 1.29 to 14.92. According to the industry distribution chart, Bank of Valletta ranks #586 out of 1528 companies in the Banks industry, placing it in the top 38.4%.
Is Bank of Valletta's ROE % too high?
Bank of Valletta's current ROE % of 11.17% is 24% above median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 1.29 to a high of 14.92. The Banks industry median ROE % is 10.23. Bank of Valletta's value of 11.17% is 9.2% above this industry median. Based on the distribution chart, Bank of Valletta ranks #586 out of 1528 companies in the Banks industry, which is above the industry midpoint. 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 % compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Valletta ranks #586 out of 1528 companies for ROE %. This puts Bank of Valletta in the upper half of its industry. The industry median ROE % is 10.23. Bank of Valletta's value of 11.17% is 9.2% above this benchmark. Historically, Bank of Valletta's own ROE % has ranged from 1.29 to 14.92 over the past decade. While the company's 10-year median is 9.00 vs. the industry median of 10.23, Bank of Valletta has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Valletta's current ROE % of 11.17% is 9.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of Valletta and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Valletta's current ROE % is 11.17%, which is 24% above median its own 10-year median of 9.00. 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 €1.81, compared to a current price of €2.13 — trading 17.7% above its estimated fair value. The current ROE % is 11.17%, which is 24% above median its 10-year median of 9.00 and 9.2% above the Banks industry median of 10.23. 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 % calculated?
ROE % is calculated from a company's financial statements. For Bank of Valletta (MAL:BOV), the current ROE % is 11.17% 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 17.7% above its estimated GF Value™ of €1.81.
GuruFocus considers Bank of Valletta to be Modestly Overvalued.
Key valuation signals for MAL:BOV:
ROE %: 11.17% (24% above median its 10-year median of 9.00)
GF Value™: €1.81 vs. price of €2.13 (17.7% above fair value)
Industry Position: 9.2% above the Banks median (#586 of 1528)
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 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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