Lombard Bank Malta p.l.c. (MSE:LOM)

Malta · Delayed Price · Currency is EUR

0.6800

-0.0300 (-4.23%)

At close: Jul 29, 2026

Lombard Bank Malta p.l.c. Financials Overview

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	77.46	77.46	75.22	69.13	75.87	64.53
Revenue Growth	2.75%	2.97%	8.81%	-8.88%	17.58%	14.47%
Net Income	15.38	15.38	11.29	9.06	17.53	7.48
Earnings Per Share	0.10	0.10	0.07	0.09	0.19	0.08
EPS Growth	17.57%	36.47%	-19.10%	-52.22%	132.86%	12.66%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Postal Services	42.94	42.94	40.36	39.68	32.15	38.38
Banking Services	34.52	34.52	34.87	29.45	43.72	26.14
Total	77.46	77.46	75.22	69.13	75.87	64.53

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	7.64	7.64	7.61	17.81	30.03	32.91
Total Debt	6.8	6.8	5.52	4.67	4.74	5.58
Net Cash (Debt)	0.84	0.84	2.09	13.14	25.29	27.33
Net Cash Growth	-	-59.66%	-84.09%	-48.04%	-7.48%	-70.25%
Net Cash Per Share	0.01	0.01	0.01	0.13	0.27	0.30

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	36.49	36.49	1.5	18.18	-36.28	31.63
Capital Expenditures	-2.26	-2.26	-2.29	-2.66	-3.71	-7.6
Free Cash Flow	34.23	34.23	-0.79	15.52	-39.99	24.03
Free Cash Flow Growth	-	-	-	-	-	334.32%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	19.86%	19.86%	15.01%	13.11%	23.11%	11.59%
FCF Margin	44.19%	44.19%	-1.05%	22.45%	-52.71%	37.24%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.034	0.034	0.034	0.016	-	0.010
Dividend Per Share Growth	0.59%	0.59%	108.59%	-	-	-31.47%
Dividend Yield	5.03%	4.42%	4.72%	2.03%	-	1.27%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	6.82	8.14	10.81	9.21	5.49	11.67
P/FCF Ratio	3.07	3.66	-	5.38	-	3.63
PS Ratio	1.36	1.62	1.62	1.21	1.27	1.35