The historical rank and industry rank for National Bank Of Malawi's Net Margin % or its related term are showing as below:
MSW:NBM'
s Net Margin % Range Over the Past 10 Years
Min: 25.02 Med: 30.77 Max: 38.25
Current: 38.25
MSW:NBM's Net Margin % is ranked better than 81.76% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs MSW:NBM: 38.25
National Bank Of Malawi (MSW:NBM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
National Bank Of Malawi Net Margin % Related Terms
National Bank Of Malawi Net Margin % 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.
For the Banks - Regional subindustry, National Bank Of Malawi's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank Of Malawi's Net Margin % distribution charts can be found below:
* The bar in red indicates where National Bank Of Malawi's Net Margin % falls into.
* 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 Net Margin % of 37.86% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on National Bank Of Malawi and its competitors. This is 23% above median its historical median of 30.77. Over the past decade, National Bank Of Malawi's Net Margin % has ranged from 25.02 to 38.25. According to the industry distribution chart, National Bank Of Malawi ranks #279 out of 1530 companies in the Banks industry, placing it in the top 18.2%.
Is National Bank Of Malawi's Net Margin % too high?
National Bank Of Malawi's current Net Margin % of 37.86% is 23% above median its 10-year median of 30.77. Over the past 10 years, this metric has ranged from a low of 25.02 to a high of 38.25. The Banks industry median Net Margin % is 26.85. National Bank Of Malawi's value of 37.86% is 41% above this industry median. Based on the distribution chart, National Bank Of Malawi ranks #279 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, National Bank Of Malawi ranks #279 out of 1530 companies for Net Margin %. This places National Bank Of Malawi in the top 18% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. National Bank Of Malawi's value of 37.86% is 41% above this benchmark. Historically, National Bank Of Malawi's own Net Margin % has ranged from 25.02 to 38.25 over the past decade. While the company's 10-year median is 30.77 vs. the industry median of 26.85, National Bank Of Malawi has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank Of Malawi's current Net Margin % of 37.86% is 41% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on National Bank Of Malawi and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank Of Malawi's current Net Margin % is 37.86%, which is 23% above median its own 10-year median of 30.77. 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 MWK7,675.67, compared to a current price of MWK9,998.89 — trading 30.3% above its estimated fair value. The current Net Margin % is 37.86%, which is 23% above median its 10-year median of 30.77 and 41% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For National Bank Of Malawi (MSW:NBM), the current Net Margin % is 37.86% as of Dec. 2025. 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 MWK9,998.89 is trading 30.3% above its estimated GF Value™ of MWK7,675.67.
GuruFocus considers National Bank Of Malawi to be Modestly Overvalued.
Key valuation signals for MSW:NBM:
Net Margin %: 37.86% (23% above median its 10-year median of 30.77)
GF Value™: MWK7,675.67 vs. price of MWK9,998.89 (30.3% above fair value)
Industry Position: 41% above the Banks median (#279 of 1530)
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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