NBS BankMSW:NBS -0.01%79 Net Margin % is 38.01% as of Jun. 2025, which is 122% above its 10-year median of 17.15. GuruFocus rates MSW:NBS with a GF Score™ of 79/100 and a GF Value™ of MWK437.65 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, NBS Bank ranks better than 79.29% on this metric.
Net margin is calculated as Net Income divided by its Revenue. NBS Bank's Net Income for the
six
months ended in Jun. 2025 was MWK73,247 Mil. NBS Bank's Revenue for the
six
months ended in Jun. 2025 was MWK192,710 Mil. Therefore, NBS Bank's net margin for the quarter that ended in Jun. 2025 was 38.01%.
The historical rank and industry rank for NBS Bank's Net Margin % or its related term are showing as below:
MSW:NBS'
s Net Margin % Range Over the Past 10 Years
Min: -61.17 Med: 17.15 Max: 37.14
Current: 37.14
MSW:NBS's Net Margin % is ranked better than 79.29% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs MSW:NBS: 37.14
NBS Bank (MSW:NBS) 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.
NBS Bank Net Margin % Related Terms
NBS Bank Net Margin % Historical Data
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The historical data trend for NBS Bank's Net Margin % 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.
For the Banks - Regional subindustry, NBS Bank'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.
NBS Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NBS Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where NBS Bank'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.
NBS Bank (MSW:NBS) has a Net Margin % of 38.01% as of Jun. 2025. Net margin is the ratio of total net income to net sales. View historical data on NBS Bank and its competitors. This is 122% above median its historical median of 17.15. According to the industry distribution chart, NBS Bank ranks #316 out of 1526 companies in the Banks industry, placing it in the top 20.7%.
Is NBS Bank's Net Margin % too high?
NBS Bank's current Net Margin % of 38.01% is 122% above median its 10-year median of 17.15. The Banks industry median Net Margin % is 26.97. NBS Bank's value of 38.01% is 40.9% above this industry median. Based on the distribution chart, NBS Bank ranks #316 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NBS Bank has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBS Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, NBS Bank ranks #316 out of 1526 companies for Net Margin %. This places NBS Bank in the top 21% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. NBS Bank's value of 38.01% is 40.9% above this benchmark. While the company's 10-year median is 17.15 vs. the industry median of 26.97, NBS Bank 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 26.97, based on 1,526 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. NBS Bank's current Net Margin % of 38.01% is 40.9% 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 NBS Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBS Bank's current Net Margin % is 38.01%, which is 122% above median its own 10-year median of 17.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBS Bank stock overvalued right now?
Based on GuruFocus' analysis, NBS Bank (MSW:NBS) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK437.65, compared to a current price of MWK741.22 — trading 69.4% above its estimated fair value. The current Net Margin % is 38.01%, which is 122% above median its 10-year median of 17.15 and 40.9% above the Banks industry median of 26.97. NBS Bank's overall GF Score™ is 79/100 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 NBS Bank (MSW:NBS), the current Net Margin % is 38.01% as of Jun. 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 NBS Bank (MSW:NBS) Overvalued in 2026?
Based on GuruFocus' analysis, NBS Bank stock appears to be overvalued.
The current stock price of MWK741.22 is trading 69.4% above its estimated GF Value™ of MWK437.65.
GuruFocus considers NBS Bank to be Significantly Overvalued.
Key valuation signals for MSW:NBS:
Net Margin %: 38.01% (122% above median its 10-year median of 17.15)
GF Value™: MWK437.65 vs. price of MWK741.22 (69.4% above fair value)
Industry Position: 40.9% above the Banks median (#316 of 1526)
No single metric tells the full story. See the MSW:NBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NBS Bank PLC is predominantly involved in commercial banking, covering corporate and retail banking and treasury management. Services offered by the bank include current account, saving account, investment, loans, international trades, and internet banking. The company segments are divided into geographical areas including Northern region, Central region and the Southern region. Its branches are spread across Malawi.
79GF Score
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