National Bank Of MalawiMSW:NBM 100 EV-to-FCF is 5.06 as of Jul. 13, 2026, which is 6% below its 10-year median of 5.39. GuruFocus rates MSW:NBM with a GF Score™ of 100/100 and a GF Value™ of MWK7,740.85 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,198 Banks companies, National Bank Of Malawi ranks better than 56.18% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, National Bank Of Malawi's Enterprise Value is MWK4,233,221 Mil.
National Bank Of Malawi's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was MWK837,389 Mil. Therefore, National Bank Of Malawi's EV-to-FCF for today is 5.06.
The historical rank and industry rank for National Bank Of Malawi's EV-to-FCF or its related term are showing as below:
MSW:NBM'
s EV-to-FCF Range Over the Past 10 Years
Min: -2068.04 Med: 5.39 Max: 1425.31
Current: 5.06
During the past 11 years, the highest EV-to-FCF of National Bank Of Malawi was 1425.31. The lowest was -2068.04. And the median was 5.39.
MSW:NBM's EV-to-FCF is ranked better than 56.18% of 1198
companies
in the Banks industry
Industry Median: 6.565
vs MSW:NBM: 5.06
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
National Bank Of Malawi (MSW:NBM) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
National Bank Of Malawi's PE Ratio (TTM) for today is calculated as:
National Bank Of Malawi's share price for today is MWK9799.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. National Bank Of Malawi's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was MWK416.641.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, National Bank Of Malawi's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
National Bank Of Malawi EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, National Bank Of Malawi's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where National Bank Of Malawi's EV-to-FCF falls into.
National Bank Of Malawi's current Enterprise Value is MWK4,233,221 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. National Bank Of Malawi's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was MWK837,389 Mil.
* 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.
National Bank Of Malawi (MSW:NBM) has a EV-to-FCF of 5.06 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on National Bank Of Malawi and its competitors. This is near median its historical median of 5.39. According to the industry distribution chart, National Bank Of Malawi ranks #525 out of 1198 companies in the Banks industry, placing it in the top 43.8%.
Is National Bank Of Malawi's EV-to-FCF too high?
National Bank Of Malawi's current EV-to-FCF of 5.06 is near median its 10-year median of 5.39. The Banks industry median EV-to-FCF is 6.57. National Bank Of Malawi's value of 5.06 is 22.9% below this industry median. Based on the distribution chart, National Bank Of Malawi ranks #525 out of 1198 companies in the Banks industry, which is above the industry midpoint. Overall, National Bank Of Malawi has a GF Score™ of 100/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank Of Malawi's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, National Bank Of Malawi ranks #525 out of 1198 companies for EV-to-FCF. This puts National Bank Of Malawi in the upper half of its industry. The industry median EV-to-FCF is 6.57. National Bank Of Malawi's value of 5.06 is 22.9% below this benchmark. While the company's 10-year median is 5.39 vs. the industry median of 6.57, National Bank Of Malawi has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,198 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank Of Malawi's current EV-to-FCF of 5.06 is 22.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on National Bank Of Malawi and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank Of Malawi's current EV-to-FCF is 5.06, which is near median its own 10-year median of 5.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank Of Malawi stock overvalued right now?
Based on GuruFocus' analysis, National Bank Of Malawi (MSW:NBM) is currently considered Modestly Overvalued. The stock's GF Value™ is MWK7,740.85, compared to a current price of MWK9,799.00 — trading 26.6% above its estimated fair value. The current EV-to-FCF is 5.06, which is near median its 10-year median of 5.39 and 22.9% below the Banks industry median of 6.57. National Bank Of Malawi's overall GF Score™ is 100/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For National Bank Of Malawi (MSW:NBM), the current EV-to-FCF is 5.06 as of Jul. 13, 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 National Bank Of Malawi (MSW:NBM) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank Of Malawi stock appears to be overvalued.
The current stock price of MWK9,799.00 is trading 26.6% above its estimated GF Value™ of MWK7,740.85.
GuruFocus considers National Bank Of Malawi to be Modestly Overvalued.
Key valuation signals for MSW:NBM:
EV-to-FCF: 5.06 (near median its 10-year median of 5.39)
GF Value™: MWK7,740.85 vs. price of MWK9,799.00 (26.6% above fair value)
Industry Position: 22.9% below the Banks median (#525 of 1198)
No single metric tells the full story. See the MSW:NBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank Of Malawi PLC provides personal, corporate, and investment banking as well as stockbroking, insurance, and pension administration services in Malawi. Its business operations are divided into three segments including Retail and corporate banking that incorporates savings, deposits, investment savings products, consumer loans, current accounts, overdrafts, loans, and other credit facilities, trade finance, and corporate leasing; Treasury segment offers financial instruments trading, dealings in foreign currency, stock broking and derivative products; and Other operations comprising fund management, custodial services and providing training services. Revenue from Retail and corporate banking is one of the majority sources of income for the Bank.
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