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This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Zambia National Commercial Bank's Median PS Value or its related term are showing as below:
LUS:ZNCO's Price-to-Median-PS-Value is not ranked *
in the Banks industry.
Industry Median: 1.11 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Zambia National Commercial Bank (LUS:ZNCO) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Zambia National Commercial Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
9.49
/
0.00
=
* 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 Median PS Value Related Terms
Zambia National Commercial Bank Median PS Value Historical Data
* 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 Median PS Value Chart
For the Banks - Regional subindustry, Zambia National Commercial Bank's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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.
Zambia National Commercial Bank Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Zambia National Commercial Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Zambia National Commercial Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.
Zambia National Commercial Bank's Revenue per Share 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 ZMW3.595.
* 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 (LUS:ZNCO) has a Median PS Value of ZMW0.00 as of Aug. 22, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Zambia National Commercial Bank and its competitors. According to the industry distribution chart, Zambia National Commercial Bank ranks #999999 out of 1056 companies in the Banks industry.
Is Zambia National Commercial Bank's Median PS Value too high?
Zambia National Commercial Bank's current Median PS Value is ZMW0.00. Based on the distribution chart, Zambia National Commercial Bank ranks #999999 out of 1056 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Median PS Value compare to PNC and USB?
According to the Banks industry distribution chart, Zambia National Commercial Bank ranks #999999 out of 1056 companies for Median PS Value. This places Zambia National Commercial Bank in the lower half of its industry. The industry median Median PS Value is 1.11. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,056 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Zambia National Commercial Bank and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zambia National Commercial Bank's current Median PS Value is ZMW0.00. 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 ZMW6.15, compared to a current price of ZMW9.49 — trading 54.3% above its estimated fair value. The current Median PS Value is ZMW0.00. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Zambia National Commercial Bank (LUS:ZNCO), the current Median PS Value is ZMW0.00 as of Aug. 22, 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 ZMW9.49 is trading 54.3% above its estimated GF Value™ of ZMW6.15.
GuruFocus considers Zambia National Commercial Bank to be Significantly Overvalued.
Key valuation signals for LUS:ZNCO:
Median PS Value: ZMW0.00
GF Value™: ZMW6.15 vs. price of ZMW9.49 (54.3% above fair value)
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 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
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