Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
HSBC Bank MaltaMAL:HSB -1.40%53 5-Year Yield-on-Cost % is 15.38 as of Jul. 15, 2026, which is 215% above its 10-year median of 4.89. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.32 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,256 Banks companies, HSBC Bank Malta ranks better than 92.75% on this metric.
HSBC Bank Malta's yield on cost for the quarter that ended in Dec. 2025 was 15.38.
The historical rank and industry rank for HSBC Bank Malta's 5-Year Yield-on-Cost % or its related term are showing as below:
MAL:HSB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.21 Med: 4.89 Max: 15.6
Current: 15.38
During the past 13 years, HSBC Bank Malta's highest Yield on Cost was 15.60. The lowest was 1.21. And the median was 4.89.
MAL:HSB's 5-Year Yield-on-Cost % is ranked better than 92.75% of 1256
companies
in the Banks industry
Industry Median: 3.885
vs MAL:HSB: 15.38
HSBC Bank Malta (MAL:HSB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
HSBC Bank Malta 5-Year Yield-on-Cost % Related Terms
MAL:HSB vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, HSBC Bank Malta's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta's 5-Year Yield-on-Cost % falls into.
HSBC Bank Malta 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of HSBC Bank Malta is calculated as
HSBC Bank Malta (MAL:HSB) has a 5-Year Yield-on-Cost % of 15.38 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on HSBC Bank Malta and its competitors. This is 215% above median its historical median of 4.89. Over the past decade, HSBC Bank Malta's 5-Year Yield-on-Cost % has ranged from 1.21 to 15.60. According to the industry distribution chart, HSBC Bank Malta ranks #91 out of 1256 companies in the Banks industry, placing it in the top 7.2%.
Is HSBC Bank Malta's 5-Year Yield-on-Cost % too high?
HSBC Bank Malta's current 5-Year Yield-on-Cost % of 15.38 is 215% above median its 10-year median of 4.89. Over the past 10 years, this metric has ranged from a low of 1.21 to a high of 15.60. The Banks industry median 5-Year Yield-on-Cost % is 3.89. HSBC Bank Malta's value of 15.38 is 295.9% above this industry median. Based on the distribution chart, HSBC Bank Malta ranks #91 out of 1256 companies in the Banks industry, which is in the top quartile — a strong position 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 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #91 out of 1256 companies for 5-Year Yield-on-Cost %. This places HSBC Bank Malta in the top 7% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. HSBC Bank Malta's value of 15.38 is 295.9% above this benchmark. Historically, HSBC Bank Malta's own 5-Year Yield-on-Cost % has ranged from 1.21 to 15.60 over the past decade. While the company's 10-year median is 4.89 vs. the industry median of 3.89, HSBC Bank Malta 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HSBC Bank Malta's current 5-Year Yield-on-Cost % of 15.38 is 295.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on HSBC Bank Malta and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current 5-Year Yield-on-Cost % is 15.38, which is 215% above median its own 10-year median of 4.89. 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 €1.41 — trading 6.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 15.38, which is 215% above median its 10-year median of 4.89 and 295.9% above the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current 5-Year Yield-on-Cost % is 15.38 as of Jul. 15, 2026. 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 €1.41 is trading 6.8% above its estimated GF Value™ of €1.32.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
5-Year Yield-on-Cost %: 15.38 (215% above median its 10-year median of 4.89)
GF Value™: €1.32 vs. price of €1.41 (6.8% above fair value)
Industry Position: 295.9% above the Banks median (#91 of 1256)
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
5-Year Yield-on-Cost % 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 
