LOM Stock Overview
Lombard Bank Malta p.l.c. provides banking and financial services to individual and corporate clients in Malta.
Lombard Bank Malta Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€1.85|
|52 Week High||€2.19|
|52 Week Low||€1.80|
|1 Month Change||1.09%|
|3 Month Change||-3.14%|
|1 Year Change||-6.27%|
|3 Year Change||-19.20%|
|5 Year Change||-21.56%|
|Change since IPO||540.87%|
Recent News & Updates
|LOM||MT Banks||MT Market|
Return vs Industry: LOM exceeded the MT Banks industry which returned -11.6% over the past year.
Return vs Market: LOM matched the MT Market which returned -5.8% over the past year.
|LOM Average Weekly Movement||n/a|
|Banks Industry Average Movement||5.7%|
|Market Average Movement||6.5%|
|10% most volatile stocks in MT Market||11.9%|
|10% least volatile stocks in MT Market||3.6%|
Stable Share Price: Insufficient data to determine LOM's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine LOM's volatility change over the past year.
About the Company
Lombard Bank Malta p.l.c. provides banking and financial services to individual and corporate clients in Malta. The company operates through Banking Services and Postal Services segments. It offers current, savings, basic payment, foreign currency, and term deposit accounts; and personal and business overdrafts, business and personal loans, foreign currency loans, cards, and safe deposit lockers, as well as guarantees, documentary collections, and documentary credits.
Lombard Bank Malta Fundamentals Summary
|LOM fundamental statistics|
Is LOM overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|LOM income statement (TTM)|
|Cost of Revenue||€2.10m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.15|
|Net Profit Margin||11.21%|
How did LOM perform over the long term?See historical performance and comparison
1.6%Current Dividend Yield
Is Lombard Bank Malta undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: LOM (€1.85) is trading below our estimate of fair value (€2.76)
Significantly Below Fair Value: LOM is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: LOM is poor value based on its PE Ratio (12.2x) compared to the European Banks industry average (9.3x).
PE vs Market: LOM is good value based on its PE Ratio (12.2x) compared to the MT market (24.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate LOM's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: LOM's PB Ratio (0.6x) is in line with the XE Banks industry average.
How is Lombard Bank Malta forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Lombard Bank Malta has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Lombard Bank Malta performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LOM has high quality earnings.
Growing Profit Margin: LOM's current net profit margins (11.2%) are lower than last year (14.5%).
Past Earnings Growth Analysis
Earnings Trend: LOM's earnings have grown by 11.5% per year over the past 5 years.
Accelerating Growth: LOM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: LOM had negative earnings growth (-21%) over the past year, making it difficult to compare to the Banks industry average (36%).
Return on Equity
High ROE: LOM's Return on Equity (5.2%) is considered low.
How is Lombard Bank Malta's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: LOM's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: LOM has a low allowance for bad loans (39%).
Low Risk Liabilities: 95% of LOM's liabilities are made up of primarily low risk sources of funding.
Loan Level: LOM has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: LOM's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: LOM has a high level of bad loans (11.3%).
What is Lombard Bank Malta current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LOM's dividend (1.62%) isn’t notable compared to the bottom 25% of dividend payers in the MT market (2.48%).
High Dividend: LOM's dividend (1.62%) is low compared to the top 25% of dividend payers in the MT market (5.76%).
Stability and Growth of Payments
Stable Dividend: LOM is not paying a notable dividend for the MT market, therefore no need to check if payments are stable.
Growing Dividend: LOM is not paying a notable dividend for the MT market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Earnings Coverage: LOM is not paying a notable dividend for the MT market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of LOM's dividend in 3 years as they are not forecast to pay a notable one for the MT market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Joseph Said, F.C.I.B, serves as the Chief Executive Officer of Lombard Bank Malta Plc. Mr. Said serves as the Chairman of Maltapost p.l.c. and has been its Director since August 18, 2006. He serves as...
Experienced Management: LOM's management team is seasoned and experienced (11.1 years average tenure).
Experienced Board: LOM's board of directors are seasoned and experienced ( 19.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Lombard Bank Malta p.l.c.'s employee growth, exchange listings and data sources
- Name: Lombard Bank Malta p.l.c.
- Ticker: LOM
- Exchange: MTSE
- Founded: 1955
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: €82.819m
- Shares outstanding: 44.77m
- Website: https://www.lombardmalta.com
Number of Employees
- Lombard Bank Malta p.l.c.
- 67 Republic Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/15 00:00|
|End of Day Share Price||2022/05/12 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.