Lombard Bank Malta (MAL:LOM) Scaled Net Operating Assets: 0.04 (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 Scaled Net Operating Assets?

Lombard Bank Malta MAL:LOM +8.40% 34 Scaled Net Operating Assets is 0.04 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lombard Bank Malta's operating assets for the quarter that ended in Dec. 2025 was €1,314.91 Mil. Lombard Bank Malta's operating liabilities for the quarter that ended in Dec. 2025 was €1,257.28 Mil. Lombard Bank Malta's Total Assets for the quarter that ended in Jun. 2025 was €1,391.78 Mil. Therefore, Lombard Bank Malta's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.04.

MAL:LOM
34GF Score
Lombard Bank Malta PLC MAL:LOM
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Lombard Bank Malta Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lombard Bank Malta's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1314.907-1257.284)/1388.422
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1497.621 - 182.714
=1314.907

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1263.761 - 6.477 - 0
=1257.284

Lombard Bank Malta's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(1314.907-1257.284)/1391.783
=0.04

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1497.621 - 182.714
=1314.907

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1263.761 - 6.477 - 0
=1257.284

* 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 Scaled Net Operating Assets of 0.04 mean?
Lombard Bank Malta (MAL:LOM) has a Scaled Net Operating Assets of 0.04 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lombard Bank Malta and its competitors.
Is Lombard Bank Malta's Scaled Net Operating Assets too high?
Lombard Bank Malta's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets compare to PNC and USB?
Lombard Bank Malta's Scaled Net Operating Assets of 0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lombard Bank Malta and its competitors. Lombard Bank Malta's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Lombard Bank Malta (MAL:LOM), the current Scaled Net Operating Assets is 0.04 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:

  • Scaled Net Operating Assets: 0.04
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.71
Price
€0.69
GF Value