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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.
Lombard Bank Malta's 3-Year RORE % for the quarter that ended in Dec. 2025 was 23.60%.
The industry rank for Lombard Bank Malta's 3-Year RORE % or its related term are showing as below:
MAL:LOM's 3-Year RORE % is ranked better than 75.25% of 1471
companies
in the Banks industry
Industry Median: 9.92
vs MAL:LOM: 23.60
Lombard Bank Malta (MAL:LOM) 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.
Lombard Bank Malta 3-Year RORE % Related Terms
Lombard Bank Malta 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Lombard 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, Lombard 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.
Lombard Bank Malta 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Lombard Bank Malta's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Lombard 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.
Lombard Bank Malta (MAL:LOM) has a 3-Year RORE % of 23.60 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 Lombard Bank Malta and its competitors. According to the industry distribution chart, Lombard Bank Malta ranks #364 out of 1471 companies in the Banks industry, placing it in the top 24.7%.
Is Lombard Bank Malta's 3-Year RORE % too high?
Lombard Bank Malta's current 3-Year RORE % is 23.60. The Banks industry median 3-Year RORE % is 9.92. Lombard Bank Malta's value of 23.60 is 137.9% above this industry median. Based on the distribution chart, Lombard Bank Malta ranks #364 out of 1471 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Lombard Bank Malta ranks #364 out of 1471 companies for 3-Year RORE %. This places Lombard Bank Malta in the top 25% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. Lombard Bank Malta's value of 23.60 is 137.9% above this benchmark. 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 9.92, based on 1,471 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. Lombard Bank Malta's current 3-Year RORE % of 23.60 is 137.9% 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 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 Lombard Bank Malta and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lombard Bank Malta's current 3-Year RORE % is 23.60. 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 €0.73 — trading 5.8% above its estimated fair value. The current 3-Year RORE % is 23.60 and 137.9% above the Banks industry median of 9.92. Lombard Bank Malta's overall GF Score™ is 34/100 with 2 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 Lombard Bank Malta (MAL:LOM), the current 3-Year RORE % is 23.60 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 €0.73 is trading 5.8% above its estimated GF Value™ of €0.69.
GuruFocus considers Lombard Bank Malta to be Fairly Valued.
Key valuation signals for MAL:LOM:
3-Year RORE %: 23.60
GF Value™: €0.69 vs. price of €0.73 (5.8% above fair value)
Industry Position: 137.9% above the Banks median (#364 of 1471)
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 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
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