Zambia National Commercial Bank (LUS:ZNCO) EPS (Basic): ZMW1.37 (TTM As of Mar. 2026)


LUS:ZNCO Zambia National Commercial Bank PLC LUS:ZNCO
71 GF Score
Price ZMW9.50
GF Value ZMW6.00
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Zambia National Commercial Bank EPS (Basic)?

Zambia National Commercial Bank LUS:ZNCO -0.52% 71 EPS (Basic) is ZMW1.37 as of Mar. 2026. GuruFocus rates LUS:ZNCO with a GF Score™ of 71/100 and a GF Value™ of ZMW6.00 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Zambia National Commercial Bank's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was ZMW0.30. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was ZMW1.37.

Zambia National Commercial Bank's EPS (Diluted) for the three months ended in Mar. 2026 was ZMW0.30. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ZMW1.37.

Zambia National Commercial Bank's EPS without NRI for the three months ended in Mar. 2026 was ZMW0.30. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 1.37.

During the past 12 months, Zambia National Commercial Bank's average EPS without NRIGrowth Rate was -6.10% per year. During the past 3 years, the average EPS without NRI Growth Rate was 17.90% per year. During the past 5 years, the average EPS without NRI Growth Rate was 37.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 9 years, Zambia National Commercial Bank's highest 3-Year average EPS without NRI Growth Rate was 74.40% per year. The lowest was 17.90% per year. And the median was 49.40% per year.

Zambia National Commercial Bank  (LUS:ZNCO) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Zambia National Commercial Bank EPS (Basic) Related Terms

Zambia National Commercial Bank EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Zambia National Commercial Bank's EPS (Basic) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Zambia National Commercial Bank EPS (Basic) Chart

Zambia National Commercial Bank Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only 0.69 0.81 1.20 1.24 1.38

Zambia National Commercial Bank Quarterly Data
Sep20 Dec20 Mar21 Jun21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.29 0.31 0.20 0.55 0.30
LUS:ZNCO
71GF Score
Zambia National Commercial Bank PLC LUS:ZNCO
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Zambia National Commercial Bank EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Zambia National Commercial Bank's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(1998.73-0)/1443.750
=1.38

Zambia National Commercial Bank's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(437.24-0)/1443.751
=0.30

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ZMW1.37

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of ZMW1.37 mean?
Zambia National Commercial Bank (LUS:ZNCO) has a EPS (Basic) of ZMW1.37 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Zambia National Commercial Bank and its competitors.
Is Zambia National Commercial Bank's EPS (Basic) too high?
Zambia National Commercial Bank's current EPS (Basic) is ZMW1.37. Overall, Zambia National Commercial Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zambia National Commercial Bank's EPS (Basic) compare to PNC and USB?
Zambia National Commercial Bank's EPS (Basic) of ZMW1.37 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Zambia National Commercial Bank and its competitors. Zambia National Commercial Bank's current EPS (Basic) is ZMW1.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zambia National Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Zambia National Commercial Bank (LUS:ZNCO) is currently considered Significantly Overvalued. The stock's GF Value™ is ZMW6.00, compared to a current price of ZMW9.50 — trading 58.3% above its estimated fair value. The current EPS (Basic) is ZMW1.37. Zambia National Commercial Bank's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Zambia National Commercial Bank (LUS:ZNCO), the current EPS (Basic) is ZMW1.37 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Zambia National Commercial Bank (LUS:ZNCO) Overvalued in 2026?

Based on GuruFocus' analysis, Zambia National Commercial Bank stock appears to be overvalued. The current stock price of ZMW9.50 is trading 58.3% above its estimated GF Value™ of ZMW6.00. GuruFocus considers Zambia National Commercial Bank to be Significantly Overvalued.

Key valuation signals for LUS:ZNCO:

  • EPS (Basic): ZMW1.37
  • GF Value™: ZMW6.00 vs. price of ZMW9.50 (58.3% above fair value)
  • GF Score™: 71/100 with 5 warning signs

No single metric tells the full story. See the LUS:ZNCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zambia National Commercial Bank Business Description

Address Cairo Road, Plot 2118 - 2121, P.O Box 33611, Lusaka, ZMB
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.
71GF Score

Get the complete analysis for LUS:ZNCO

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ZMW9.50
Price
ZMW6.00
GF Value