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Lombard Bank MaltaMAL:LOM 33 5-Year Yield-on-Cost % is 4.68 as of Jul. 26, 2026, which is 166% above its 10-year median of 1.76. GuruFocus rates MAL:LOM with a GF Score™ of 33/100 and a GF Value™ of €0.69 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,252 Banks companies, Lombard Bank Malta ranks better than 61.18% on this metric.
Lombard Bank Malta's yield on cost for the quarter that ended in Dec. 2025 was 4.68.
The historical rank and industry rank for Lombard Bank Malta's 5-Year Yield-on-Cost % or its related term are showing as below:
MAL:LOM'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.29 Med: 1.76 Max: 4.86
Current: 4.68
During the past 13 years, Lombard Bank Malta's highest Yield on Cost was 4.86. The lowest was 1.29. And the median was 1.76.
MAL:LOM's 5-Year Yield-on-Cost % is ranked better than 61.18% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs MAL:LOM: 4.68
Lombard Bank Malta (MAL:LOM) 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.
Lombard Bank Malta 5-Year Yield-on-Cost % Related Terms
MAL:LOM vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Lombard 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.
Lombard Bank Malta 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Lombard Bank Malta's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Lombard Bank Malta's 5-Year Yield-on-Cost % falls into.
Lombard 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.
Lombard Bank Malta (MAL:LOM) has a 5-Year Yield-on-Cost % of 4.68 as of Jul. 26, 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 Lombard Bank Malta and its competitors. This is 166% above median its historical median of 1.76. Over the past decade, Lombard Bank Malta's 5-Year Yield-on-Cost % has ranged from 1.29 to 4.86. According to the industry distribution chart, Lombard Bank Malta ranks #486 out of 1252 companies in the Banks industry, placing it in the top 38.8%.
Is Lombard Bank Malta's 5-Year Yield-on-Cost % too high?
Lombard Bank Malta's current 5-Year Yield-on-Cost % of 4.68 is 166% above median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 1.29 to a high of 4.86. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Lombard Bank Malta's value of 4.68 is 20.8% above this industry median. Based on the distribution chart, Lombard Bank Malta ranks #486 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, Lombard Bank Malta has a GF Score™ of 33/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lombard Bank Malta's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Lombard Bank Malta ranks #486 out of 1252 companies for 5-Year Yield-on-Cost %. This puts Lombard Bank Malta in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Lombard Bank Malta's value of 4.68 is 20.8% above this benchmark. Historically, Lombard Bank Malta's own 5-Year Yield-on-Cost % has ranged from 1.29 to 4.86 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 3.88, Lombard 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 3.88, based on 1,252 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. Lombard Bank Malta's current 5-Year Yield-on-Cost % of 4.68 is 20.8% 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 Lombard Bank Malta and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lombard Bank Malta's current 5-Year Yield-on-Cost % is 4.68, which is 166% above median its own 10-year median of 1.76. 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 5-Year Yield-on-Cost % is 4.68, which is 166% above median its 10-year median of 1.76 and 20.8% above the Banks industry median of 3.88. Lombard Bank Malta's overall GF Score™ is 33/100 with 2 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 Lombard Bank Malta (MAL:LOM), the current 5-Year Yield-on-Cost % is 4.68 as of Jul. 26, 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 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:
5-Year Yield-on-Cost %: 4.68 (166% above median its 10-year median of 1.76)
GF Value™: €0.69 vs. price of €0.73 (5.8% above fair value)
Industry Position: 20.8% above the Banks median (#486 of 1252)
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.
33GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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