View Future GrowthAPS Bank 과거 순이익 실적과거 기준 점검 5/6APS Bank은 연평균 11.9%의 비율로 수입이 증가해 온 반면, Banks 산업은 수입이 14.1% 증가했습니다. 매출은 연평균 9%의 비율로 증가했습니다. APS Bank의 자기자본이익률은 5.7%이고 순이익률은 21.3%입니다.핵심 정보11.89%순이익 성장률-0.23%주당순이익(EPS) 성장률Banks 산업 성장률11.96%매출 성장률9.03%자기자본이익률5.73%순이익률21.27%다음 순이익 업데이트29 Oct 2026최근 과거 실적 업데이트공고 • Jan 13+ 4 more updatesAPS Bank plc to Report First Half, 2026 Results on Jul 30, 2026APS Bank plc announced that they will report first half, 2026 results on Jul 30, 2026공고 • Oct 16APS Bank plc to Report Nine Months, 2025 Results on Oct 27, 2025APS Bank plc announced that they will report nine months, 2025 results on Oct 27, 2025공고 • Jul 07APS Bank plc to Report First Half, 2025 Results on Jul 31, 2025APS Bank plc announced that they will report first half, 2025 results on Jul 31, 2025공고 • Apr 15APS Bank plc to Report Q1, 2025 Results on Apr 24, 2025APS Bank plc announced that they will report Q1, 2025 results on Apr 24, 2025공고 • Jul 26APS Bank plc to Report First Half, 2024 Results on Jul 25, 2024APS Bank plc announced that they will report first half, 2024 results on Jul 25, 2024Reported Earnings • Oct 29Third quarter 2023 earnings releasedThird quarter 2023 results: EPS: €0.011. Revenue: €20.1m (up 15% from 3Q 2022). Net income: €4.22m (up 203% from 3Q 2022). Profit margin: 21% (up from 7.9% in 3Q 2022). The increase in margin was primarily driven by higher revenue.모든 업데이트 보기Recent updatesBoard Change • May 21High number of new directorsCEO & Executive Director Marcel Cassar was the last director to join the board, commencing their role in 2025.공고 • Jan 13+ 4 more updatesAPS Bank plc to Report First Half, 2026 Results on Jul 30, 2026APS Bank plc announced that they will report first half, 2026 results on Jul 30, 2026공고 • Oct 16APS Bank plc to Report Nine Months, 2025 Results on Oct 27, 2025APS Bank plc announced that they will report nine months, 2025 results on Oct 27, 2025공고 • Jul 07APS Bank plc to Report First Half, 2025 Results on Jul 31, 2025APS Bank plc announced that they will report first half, 2025 results on Jul 31, 2025공고 • Apr 15APS Bank plc to Report Q1, 2025 Results on Apr 24, 2025APS Bank plc announced that they will report Q1, 2025 results on Apr 24, 2025공고 • Mar 17APS Bank plc, Annual General Meeting, May 08, 2025APS Bank plc, Annual General Meeting, May 08, 2025.분석 기사 • Mar 16APS Bank's (MTSE:APS) Dividend Will Be €0.017APS Bank plc ( MTSE:APS ) has announced that it will pay a dividend of €0.017 per share on the 1st of January. Despite...공고 • Nov 29APS Bank plc (MTSE:APS) submitted a non-binding offer to acquire 70.03% stake in HSBC Bank Malta p.l.c. (MTSE:HSB) from HSBC Continental Europe, S.A.APS Bank plc (MTSE:APS) submitted a non-binding offer to acquire 70.03% stake in HSBC Bank Malta p.l.c. (MTSE:HSB) from HSBC Continental Europe, S.A. on November 28, 2024. The transaction is subject to approval of offer by the shareholders of APS Bank plc and HSBC, and consummation of due diligence investigation. Alvarez & Marsal Transaction Advisory Group LLC acted as financial advisor to APS Bank plc. Ganado & Associates acted as legal advisor to APS Bank plc.공고 • Sep 13HSBC Malta Unaware of Negotiations for Stake SaleHSBC Bank Malta p.l.c. (MTSE:HSB) has said that it is not aware of any negotiations between its majority shareholder (HSBC Holdings plc (LSE:HSBA)) and APS Bank plc (MTSE:APS) for a stake sale. HSBC Holdings holds an indirect 70.03% shareholding in the bank and that stake holding is being subjected to a strategic review. Meanwhile, The Times of Malta said that APS bank is in advanced negotiations to take over HSBC's Malta operations.Board Change • Sep 06High number of new directorsNon-Executive Director Leslie Stephenson was the last director to join the board, commencing their role in 2024.분석 기사 • Jul 28APS Bank's (MTSE:APS) Shareholders Will Receive A Smaller Dividend Than Last YearAPS Bank plc ( MTSE:APS ) is reducing its dividend from last year's comparable payment to €0.0081 on the 1st of...Declared Dividend • Jul 28First half dividend of €0.0081 announcedShareholders will receive a dividend of €0.0081. Ex-date: 21st August 2024 Payment date: 1st January 1970 Dividend yield will be 5.9%, which is higher than the industry average of 4.8%. Sustainability & Growth The company is yet to establish a track record of dividend growth or stability as it hasn't paid a regular dividend for at least 2 years. The company's earnings per share (EPS) would need to decline by 19% to shift the payout ratio to a potentially unsustainable range, which is less than the 36% EPS decline seen over the last 5 years.공고 • Jul 26APS Bank plc to Report First Half, 2024 Results on Jul 25, 2024APS Bank plc announced that they will report first half, 2024 results on Jul 25, 2024New Risk • Dec 12New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Maltese stocks, typically moving 4.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 0.2% per year over the past 5 years. Minor Risks Short dividend paying track record (1 year of continuous dividend payments). Share price has been volatile over the past 3 months (4.4% average weekly change). Shareholders have been diluted in the past year (2.8% increase in shares outstanding).Reported Earnings • Oct 29Third quarter 2023 earnings releasedThird quarter 2023 results: EPS: €0.011. Revenue: €20.1m (up 15% from 3Q 2022). Net income: €4.22m (up 203% from 3Q 2022). Profit margin: 21% (up from 7.9% in 3Q 2022). The increase in margin was primarily driven by higher revenue.New Risk • Aug 07New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.8% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 6.9% per year over the past 5 years. Minor Risk Shareholders have been diluted in the past year (2.8% increase in shares outstanding).Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 3 highly experienced directors. Non-Executive Independent Director Juanito Camilleri was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.공고 • Jul 29APS Bank plc Recommends Interim Net DividendThe Board of APS Bank plc recommending an interim net dividend of EUR 1,800,000 (gross dividend of EUR 2,769,231), payable through the issuance of new ordinary shares at the nominal value of EUR 0.25 per ordinary share. The net dividend equates to 0.50 EUR cents per ordinary share (gross dividend of 0.77 EUR cents per ordinary share).Board Change • Jun 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 3 highly experienced directors. Non-Executive Director Juanito Camilleri was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.매출 및 비용 세부 내역APS Bank가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이MTSE:APS 매출, 비용 및 순이익 (EUR Millions)날짜매출순이익일반관리비연구개발비31 Mar 26972159031 Dec 25891659030 Sep 25821654030 Jun 25791652031 Mar 25761650031 Dec 24751848030 Sep 24761646030 Jun 24761645031 Mar 24801845031 Dec 23822044030 Sep 23832245030 Jun 23811943031 Mar 23731442031 Dec 2265840030 Sep 2262538030 Jun 2261638031 Mar 22621035031 Dec 21661535030 Sep 21591336030 Jun 21561233031 Mar 21531131031 Dec 20501029030 Sep 20511229030 Jun 20531429031 Mar 20541628031 Dec 19561927031 Dec 18431322031 Dec 17401319031 Dec 16341116031 Dec 153110150양질의 수익: APS는 고품질 수익을 보유하고 있습니다.이익 마진 증가: APS의 현재 순 이익률 (21.3%)은 지난해 (20.6%)보다 높습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: APS의 수익은 지난 5년 동안 연평균 11.9% 증가했습니다.성장 가속화: 지난 1년간 APS 의 수익 증가율(32.6%)은 연간 평균(11.9%)을 초과합니다.수익 대 산업: APS의 지난 1년 수익 증가율(32.6%)은 Banks 업계의 1.3%를 상회했습니다.자기자본이익률높은 ROE: APS의 자본 수익률(5.7%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YBanks 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/30 16:14종가2026/07/30 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스APS Bank plc는 0명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
공고 • Jan 13+ 4 more updatesAPS Bank plc to Report First Half, 2026 Results on Jul 30, 2026APS Bank plc announced that they will report first half, 2026 results on Jul 30, 2026
공고 • Oct 16APS Bank plc to Report Nine Months, 2025 Results on Oct 27, 2025APS Bank plc announced that they will report nine months, 2025 results on Oct 27, 2025
공고 • Jul 07APS Bank plc to Report First Half, 2025 Results on Jul 31, 2025APS Bank plc announced that they will report first half, 2025 results on Jul 31, 2025
공고 • Apr 15APS Bank plc to Report Q1, 2025 Results on Apr 24, 2025APS Bank plc announced that they will report Q1, 2025 results on Apr 24, 2025
공고 • Jul 26APS Bank plc to Report First Half, 2024 Results on Jul 25, 2024APS Bank plc announced that they will report first half, 2024 results on Jul 25, 2024
Reported Earnings • Oct 29Third quarter 2023 earnings releasedThird quarter 2023 results: EPS: €0.011. Revenue: €20.1m (up 15% from 3Q 2022). Net income: €4.22m (up 203% from 3Q 2022). Profit margin: 21% (up from 7.9% in 3Q 2022). The increase in margin was primarily driven by higher revenue.
Board Change • May 21High number of new directorsCEO & Executive Director Marcel Cassar was the last director to join the board, commencing their role in 2025.
공고 • Jan 13+ 4 more updatesAPS Bank plc to Report First Half, 2026 Results on Jul 30, 2026APS Bank plc announced that they will report first half, 2026 results on Jul 30, 2026
공고 • Oct 16APS Bank plc to Report Nine Months, 2025 Results on Oct 27, 2025APS Bank plc announced that they will report nine months, 2025 results on Oct 27, 2025
공고 • Jul 07APS Bank plc to Report First Half, 2025 Results on Jul 31, 2025APS Bank plc announced that they will report first half, 2025 results on Jul 31, 2025
공고 • Apr 15APS Bank plc to Report Q1, 2025 Results on Apr 24, 2025APS Bank plc announced that they will report Q1, 2025 results on Apr 24, 2025
공고 • Mar 17APS Bank plc, Annual General Meeting, May 08, 2025APS Bank plc, Annual General Meeting, May 08, 2025.
분석 기사 • Mar 16APS Bank's (MTSE:APS) Dividend Will Be €0.017APS Bank plc ( MTSE:APS ) has announced that it will pay a dividend of €0.017 per share on the 1st of January. Despite...
공고 • Nov 29APS Bank plc (MTSE:APS) submitted a non-binding offer to acquire 70.03% stake in HSBC Bank Malta p.l.c. (MTSE:HSB) from HSBC Continental Europe, S.A.APS Bank plc (MTSE:APS) submitted a non-binding offer to acquire 70.03% stake in HSBC Bank Malta p.l.c. (MTSE:HSB) from HSBC Continental Europe, S.A. on November 28, 2024. The transaction is subject to approval of offer by the shareholders of APS Bank plc and HSBC, and consummation of due diligence investigation. Alvarez & Marsal Transaction Advisory Group LLC acted as financial advisor to APS Bank plc. Ganado & Associates acted as legal advisor to APS Bank plc.
공고 • Sep 13HSBC Malta Unaware of Negotiations for Stake SaleHSBC Bank Malta p.l.c. (MTSE:HSB) has said that it is not aware of any negotiations between its majority shareholder (HSBC Holdings plc (LSE:HSBA)) and APS Bank plc (MTSE:APS) for a stake sale. HSBC Holdings holds an indirect 70.03% shareholding in the bank and that stake holding is being subjected to a strategic review. Meanwhile, The Times of Malta said that APS bank is in advanced negotiations to take over HSBC's Malta operations.
Board Change • Sep 06High number of new directorsNon-Executive Director Leslie Stephenson was the last director to join the board, commencing their role in 2024.
분석 기사 • Jul 28APS Bank's (MTSE:APS) Shareholders Will Receive A Smaller Dividend Than Last YearAPS Bank plc ( MTSE:APS ) is reducing its dividend from last year's comparable payment to €0.0081 on the 1st of...
Declared Dividend • Jul 28First half dividend of €0.0081 announcedShareholders will receive a dividend of €0.0081. Ex-date: 21st August 2024 Payment date: 1st January 1970 Dividend yield will be 5.9%, which is higher than the industry average of 4.8%. Sustainability & Growth The company is yet to establish a track record of dividend growth or stability as it hasn't paid a regular dividend for at least 2 years. The company's earnings per share (EPS) would need to decline by 19% to shift the payout ratio to a potentially unsustainable range, which is less than the 36% EPS decline seen over the last 5 years.
공고 • Jul 26APS Bank plc to Report First Half, 2024 Results on Jul 25, 2024APS Bank plc announced that they will report first half, 2024 results on Jul 25, 2024
New Risk • Dec 12New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Maltese stocks, typically moving 4.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 0.2% per year over the past 5 years. Minor Risks Short dividend paying track record (1 year of continuous dividend payments). Share price has been volatile over the past 3 months (4.4% average weekly change). Shareholders have been diluted in the past year (2.8% increase in shares outstanding).
Reported Earnings • Oct 29Third quarter 2023 earnings releasedThird quarter 2023 results: EPS: €0.011. Revenue: €20.1m (up 15% from 3Q 2022). Net income: €4.22m (up 203% from 3Q 2022). Profit margin: 21% (up from 7.9% in 3Q 2022). The increase in margin was primarily driven by higher revenue.
New Risk • Aug 07New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.8% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 6.9% per year over the past 5 years. Minor Risk Shareholders have been diluted in the past year (2.8% increase in shares outstanding).
Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 3 highly experienced directors. Non-Executive Independent Director Juanito Camilleri was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
공고 • Jul 29APS Bank plc Recommends Interim Net DividendThe Board of APS Bank plc recommending an interim net dividend of EUR 1,800,000 (gross dividend of EUR 2,769,231), payable through the issuance of new ordinary shares at the nominal value of EUR 0.25 per ordinary share. The net dividend equates to 0.50 EUR cents per ordinary share (gross dividend of 0.77 EUR cents per ordinary share).
Board Change • Jun 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 3 highly experienced directors. Non-Executive Director Juanito Camilleri was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.