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

Malta · Delayed Price · Currency is EUR

0.7400

0.00 (0.00%)

At close: Sep 7, 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	Jun '26 Jun 30, 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
Revenue	79.97	77.46	75.22	69.13	75.87	64.53
Revenue Growth	3.25%	2.97%	8.81%	-8.88%	17.58%	14.47%
Net Income	13.5	15.38	11.29	9.06	17.53	7.48
Earnings Per Share	0.09	0.10	0.07	0.09	0.19	0.08
EPS Growth	-12.24%	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	Jun '26 Jun 30, 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
Postal Services	45.24	42.94	40.36	39.68	32.15	38.38
Banking Services	35.65	34.52	34.87	29.45	43.72	26.14
Total	80.89	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	Jun '26 Jun 30, 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
Cash & Investments	0	7.64	7.61	17.81	30.03	32.91
Total Debt	0.63	6.8	5.52	4.67	4.74	5.58
Net Cash (Debt)	-0.63	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	-0.00	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	Jun '26 Jun 30, 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
Operating Cash Flow	66.44	36.49	1.5	18.18	-36.28	31.63
Capital Expenditures	-2.57	-2.26	-2.29	-2.66	-3.71	-7.6
Free Cash Flow	63.87	34.23	-0.79	15.52	-39.99	24.03
Free Cash Flow Growth	86.61%	-	-	-	-	334.32%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Profit Margin	16.88%	19.86%	15.01%	13.11%	23.11%	11.59%
FCF Margin	79.87%	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	Sep '26 Sep 11, 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	4.68%	4.42%	4.72%	2.03%	-	1.27%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 11, 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	8.46	8.14	10.81	9.21	5.49	11.67
P/FCF Ratio	1.79	3.66	-	5.38	-	3.63
PS Ratio	1.43	1.62	1.62	1.21	1.27	1.35