Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
HSBC Bank Malta's 3-Year RORE % for the quarter that ended in Dec. 2025 was -14.23%.
The industry rank for HSBC Bank Malta's 3-Year RORE % or its related term are showing as below:
MAL:HSB's 3-Year RORE % is ranked worse than 84.66% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs MAL:HSB: -14.23
HSBC Bank Malta (MAL:HSB) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
HSBC Bank Malta 3-Year RORE % Related Terms
HSBC Bank Malta 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for HSBC Bank Malta's 3-Year RORE % 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, HSBC Bank Malta's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.
HSBC Bank Malta 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
HSBC Bank Malta (MAL:HSB) has a 3-Year RORE % of -14.23 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on HSBC Bank Malta and its competitors. According to the industry distribution chart, HSBC Bank Malta ranks #1247 out of 1473 companies in the Banks industry, placing it in the top 84.7%.
Is HSBC Bank Malta's 3-Year RORE % too high?
HSBC Bank Malta's current 3-Year RORE % is -14.23. Based on the distribution chart, HSBC Bank Malta ranks #1247 out of 1473 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #1247 out of 1473 companies for 3-Year RORE %. This places HSBC Bank Malta in the lower half of its industry. The industry median 3-Year RORE % is 9.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,473 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on HSBC Bank Malta and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current 3-Year RORE % is -14.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.32, compared to a current price of €1.43 — trading 8.3% above its estimated fair value. The current 3-Year RORE % is -14.23. HSBC Bank Malta's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current 3-Year RORE % is -14.23 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?
Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued.
The current stock price of €1.43 is trading 8.3% above its estimated GF Value™ of €1.32.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
3-Year RORE %: -14.23
GF Value™: €1.32 vs. price of €1.43 (8.3% above fair value)
No single metric tells the full story. See the MAL:HSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF Score
Get the complete analysis for MAL:HSB
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MAL:HSB has been successfully added to your 
