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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. National Bank Of Malawi's retained earnings for the quarter that ended in Dec. 2025 was MWK0 Mil.
National Bank Of Malawi's quarterly retained earnings
declined
from Dec. 2024 (MWK208,444 Mil) to Jun. 2025 (MWK0 Mil) but then
stayed the same
from Jun. 2025 (MWK0 Mil) to Dec. 2025 (MWK0 Mil).
National Bank Of Malawi's annual retained earnings
increased
from Dec. 2023 (MWK168,709 Mil) to Dec. 2024 (MWK208,444 Mil) but then
declined
from Dec. 2024 (MWK208,444 Mil) to Dec. 2025 (MWK0 Mil).
National Bank Of Malawi (MSW:NBM) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
National Bank Of Malawi Retained Earnings Historical Data
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The historical data trend for National Bank Of Malawi's Retained Earnings 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.
National Bank Of Malawi Retained Earnings Calculation
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
National Bank Of Malawi (MSW:NBM) has a Retained Earnings of MWK0 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on National Bank Of Malawi and its competitors.
Is National Bank Of Malawi's Retained Earnings too high?
National Bank Of Malawi's current Retained Earnings is MWK0 Mil. 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 Retained Earnings compare to PNC and USB?
National Bank Of Malawi's Retained Earnings of MWK0 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on National Bank Of Malawi and its competitors. National Bank Of Malawi's current Retained Earnings is MWK0 Mil. 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 MWK7,875.04, compared to a current price of MWK9,399.80 — trading 19.4% above its estimated fair value. The current Retained Earnings is MWK0 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For National Bank Of Malawi (MSW:NBM), the current Retained Earnings is MWK0 Mil 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 MWK9,399.80 is trading 19.4% above its estimated GF Value™ of MWK7,875.04.
GuruFocus considers National Bank Of Malawi to be Modestly Overvalued.
Key valuation signals for MSW:NBM:
Retained Earnings: MWK0 Mil
GF Value™: MWK7,875.04 vs. price of MWK9,399.80 (19.4% above fair value)
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.
100GF Score
Get the complete analysis for MSW:NBM
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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