NBS Bank (MSW:NBS) Retained Earnings: MWK207,999 Mil (As of Dec. 2025)

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MSW:NBS NBS Bank PLC MSW:NBS
78 GF Score
Price MWK688.98
GF Value MWK668.24
Valuation Fairly Valued
! 2 Warning Signs
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What is NBS Bank Retained Earnings?

NBS Bank MSW:NBS -0.12% 78 Retained Earnings is MWK207,999 Mil as of Dec. 2025. GuruFocus rates MSW:NBS with a GF Score™ of 78/100 and a GF Value™ of MWK668.24 (Fairly Valued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. NBS Bank's retained earnings for the quarter that ended in Dec. 2025 was MWK207,999 Mil.

NBS Bank's quarterly retained earnings increased from Dec. 2024 (MWK98,947 Mil) to Jun. 2025 (MWK149,425 Mil) and increased from Jun. 2025 (MWK149,425 Mil) to Dec. 2025 (MWK207,999 Mil).

NBS Bank's annual retained earnings increased from Dec. 2023 (MWK36,343 Mil) to Dec. 2024 (MWK98,947 Mil) and increased from Dec. 2024 (MWK98,947 Mil) to Dec. 2025 (MWK207,999 Mil).


NBS Bank  (MSW:NBS) 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.


NBS Bank Retained Earnings Historical Data

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The historical data trend for NBS Bank'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.

NBS Bank Retained Earnings Chart

NBS Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9,652.15 21,039.28 36,343.09 98,947.29 207,998.58

NBS Bank Semi-Annual Data
Dec15 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 36,343.09 64,425.00 98,947.29 149,425.00 207,998.58
MSW:NBS
78GF Score
NBS Bank PLC MSW:NBS
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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NBS Bank 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.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of MWK207,999 Mil mean?
NBS Bank (MSW:NBS) has a Retained Earnings of MWK207,999 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on NBS Bank and its competitors.
Is NBS Bank's Retained Earnings too high?
NBS Bank's current Retained Earnings is MWK207,999 Mil. Overall, NBS Bank has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBS Bank's Retained Earnings compare to PNC and USB?
NBS Bank's Retained Earnings of MWK207,999 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 NBS Bank and its competitors. NBS Bank's current Retained Earnings is MWK207,999 Mil. 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 Fairly Valued. The stock's GF Value™ is MWK668.24, compared to a current price of MWK688.98 — trading 3.1% above its estimated fair value. The current Retained Earnings is MWK207,999 Mil. NBS Bank's overall GF Score™ is 78/100 with 2 warning signs 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 NBS Bank (MSW:NBS), the current Retained Earnings is MWK207,999 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 NBS Bank (MSW:NBS) Overvalued in 2026?

Based on GuruFocus' analysis, NBS Bank stock appears to be overvalued. The current stock price of MWK688.98 is trading 3.1% above its estimated GF Value™ of MWK668.24. GuruFocus considers NBS Bank to be Fairly Valued.

Key valuation signals for MSW:NBS:

  • Retained Earnings: MWK207,999 Mil
  • GF Value™: MWK668.24 vs. price of MWK688.98 (3.1% above fair value)
  • GF Score™: 78/100 with 2 warning signs

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 Business Description

Address Corner Chipembere Highway & Johnstone Roads, NBS House, PO Box 32251, Chichiri, Ginnery Corner, Blantyre 3, Blantyre, MWI
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.
78GF Score

Get the complete analysis for MSW:NBS

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MWK688.98
Price
MWK668.24
GF Value