Business Description
Zambia National Commercial Bank PLC
ISIN : ZM0000000250
Total Employee Number:
1,330Compare
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Traded in other countries / regions
ZNCO.Zambia Description
Zambia National Commercial Bank PLC offers commercial banking services. Its principal activities include: the provision of retail, commercial Banking and related services to the general public, the provision of payment and technology solutions through the Digital Shared Services Limited (DSSL), and offering tailored insurance and risk advisory services. The company's segments include: Corporate Banking, Business Banking, Retail Banking, Digital Banking, and Treasury Management. The majority of revenue is derived from the Corporate banking segment, which provides corporate and investment banking solutions that incorporate direct debit facilities, deposit products, overdrafts, loans and other credit facilities and foreign currency solutions.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 2.96 | |||||
Equity-to-Asset | 0.13 | |||||
Debt-to-Equity | 0.62 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 9/9 | |||||
Beneish M-Score | -2.57 | |||||
WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 16.5 | |||||
3-Year EPS without NRI Growth Rate | 17.9 | |||||
3-Year FCF Growth Rate | -9.8 | |||||
3-Year Book Growth Rate | 33.8 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 73.83 | |||||
9-Day RSI | 61.88 | |||||
14-Day RSI | 54.91 | |||||
3-1 Month Momentum % | -0.93 | |||||
6-1 Month Momentum % | 59.7 | |||||
12-1 Month Momentum % | 72.69 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 5.12 | |||||
Dividend Payout Ratio | 0.32 | |||||
3-Year Dividend Growth Rate | 20.2 | |||||
Forward Dividend Yield % | 5.12 | |||||
5-Year Yield-on-Cost % | 5.12 | |||||
Shareholder Yield % | 5.19 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 38.14 | |||||
FCF Margin % | 108.86 | |||||
OCF Margin % | 114.82 | |||||
ROE % | 31.27 | |||||
ROA % | 3.66 | |||||
Years of Profitability over Past 10-Year | 9 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 6.96 | |||||
PE Ratio without NRI | 6.96 | |||||
Price-to-Owner-Earnings | 2.06 | |||||
PEG Ratio | 0.17 | |||||
PS Ratio | 2.65 | |||||
PB Ratio | 1.97 | |||||
Price-to-Tangible-Book | 1.97 | |||||
Price-to-Free-Cash-Flow | 2.44 | |||||
Price-to-Operating-Cash-Flow | 2.31 | |||||
EV-to-Revenue | 1.02 | |||||
EV-to-FCF | 0.94 | |||||
Price-to-GF-Value | 1.56 | |||||
Price-to-Projected-FCF | 0.33 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.28 | |||||
Price-to-Graham-Number | 0.78 | |||||
FCF Yield % | 41.02 | |||||
Forward Rate of Return (Yacktman) % | 40.76 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Annualized Return % Â
Total Annual Return % Â
Zambia National Commercial Bank PLC Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ZMW) | 5,189.826 | ||
| EPS (TTM) (ZMW) | 1.371 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | 0.83 | ||
| 3-Year Sortino Ratio | 3.43 | ||
| Volatility % | 65.72 | ||
| 14-Day RSI | 54.91 | ||
| 14-Day ATR (ZMW) | 0.00673 | ||
| 20-Day SMA (ZMW) | 9.5175 | ||
| 12-1 Month Momentum % | 72.69 | ||
| 52-Week Range (ZMW) | 5.53 - 9.94 | ||
| Shares Outstanding (Mil) | 1,443.75 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Zambia National Commercial Bank PLC Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Zambia National Commercial Bank PLC Stock Events
| Event | Date | Price (ZMW) | ||
|---|---|---|---|---|
| ZMW 0.488000 Cash Dividend | 2026-05-06 | 9.65 (+0.00%) | ||
| ZMW 0.438000 Cash Dividend | 2025-05-14 | 5.53 (+0.00%) |
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Zambia National Commercial Bank PLC Frequently Asked Questions
What is Zambia National Commercial Bank PLC(LUS:ZNCO)'s stock price today?
The current price of LUS:ZNCO is ZMW9.54. The 52 week high of LUS:ZNCO is ZMW9.94 and 52 week low is ZMW5.53.
When is next earnings date of Zambia National Commercial Bank PLC(LUS:ZNCO)?
The next earnings date of Zambia National Commercial Bank PLC(LUS:ZNCO) is .
Does Zambia National Commercial Bank PLC(LUS:ZNCO) pay dividends? If so, how much?
The Dividend Yield %  of Zambia National Commercial Bank PLC(LUS:ZNCO) is 5.12% (As of Today), Highest Dividend Payout Ratio of Zambia National Commercial Bank PLC(LUS:ZNCO) was 0.33. The lowest was 0.24. And the median was 0.3. The  Forward Dividend Yield % of Zambia National Commercial Bank PLC(LUS:ZNCO) is 5.12%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Zambia National Commercial Bank PLC
No articles.
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