Bank NizwaOG (MUS:BKNZ) Retained Earnings: ر.ع28.12 Mil (As of Mar. 2026)

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MUS:BKNZ Bank Nizwa SAOG MUS:BKNZ
20 GF Score
Price ر.ع0.15
GF Value ر.ع0.11
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Bank NizwaOG Retained Earnings?

Bank NizwaOG MUS:BKNZ +1.40% 20 Retained Earnings is ر.ع28.12 Mil as of Mar. 2026. GuruFocus rates MUS:BKNZ with a GF Score™ of 20/100 and a GF Value™ of ر.ع0.11 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Bank NizwaOG's retained earnings for the quarter that ended in Mar. 2026 was ر.ع28.12 Mil.

Bank NizwaOG's quarterly retained earnings increased from Mar. 2025 (ر.ع23.10 Mil) to Dec. 2025 (ر.ع25.82 Mil) and increased from Dec. 2025 (ر.ع25.82 Mil) to Mar. 2026 (ر.ع28.12 Mil).

Bank NizwaOG's annual retained earnings increased from Dec. 2023 (ر.ع23.32 Mil) to Dec. 2024 (ر.ع24.21 Mil) and increased from Dec. 2024 (ر.ع24.21 Mil) to Dec. 2025 (ر.ع25.82 Mil).


Bank NizwaOG  (MUS:BKNZ) 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.


Bank NizwaOG Retained Earnings Historical Data

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The historical data trend for Bank NizwaOG'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.

Bank NizwaOG Retained Earnings Chart

Bank NizwaOG 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 11.41 17.04 23.32 24.21 25.82

Bank NizwaOG Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Dec24 Mar25 Dec25 Mar26
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 26.19 24.21 23.10 25.82 28.12
MUS:BKNZ
20GF Score
Bank Nizwa SAOG MUS:BKNZ
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank NizwaOG 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 ر.ع28.12 Mil mean?
Bank NizwaOG (MUS:BKNZ) has a Retained Earnings of ر.ع28.12 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Bank NizwaOG and its competitors.
Is Bank NizwaOG's Retained Earnings too high?
Bank NizwaOG's current Retained Earnings is ر.ع28.12 Mil. Overall, Bank NizwaOG has a GF Score™ of 20/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank NizwaOG's Retained Earnings compare to PNC and USB?
Bank NizwaOG's Retained Earnings of ر.ع28.12 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 Bank NizwaOG and its competitors. Bank NizwaOG's current Retained Earnings is ر.ع28.12 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank NizwaOG stock overvalued right now?
Based on GuruFocus' analysis, Bank NizwaOG (MUS:BKNZ) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.11, compared to a current price of ر.ع0.15 — trading 31.8% above its estimated fair value. The current Retained Earnings is ر.ع28.12 Mil. Bank NizwaOG's overall GF Score™ is 20/100 with 4 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 Bank NizwaOG (MUS:BKNZ), the current Retained Earnings is ر.ع28.12 Mil as of Mar. 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 Bank NizwaOG (MUS:BKNZ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank NizwaOG stock appears to be overvalued. The current stock price of ر.ع0.15 is trading 31.8% above its estimated GF Value™ of ر.ع0.11. GuruFocus considers Bank NizwaOG to be Significantly Overvalued.

Key valuation signals for MUS:BKNZ:

  • Retained Earnings: ر.ع28.12 Mil
  • GF Value™: ر.ع0.11 vs. price of ر.ع0.15 (31.8% above fair value)
  • GF Score™: 20/100 with 4 warning signs

No single metric tells the full story. See the MUS:BKNZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank NizwaOG Business Description

Address Beach One Building, Shatti A Qurum, P.O. Box 1423, Al khuwair, Muscat, OMN, 133
Bank Nizwa SAOG is engaged in opening current, savings, and investment accounts, providing Murabaha and Ijara financing and other Sharia-compliant financing, as well as managing investors' money based on Mudaraba for profit share or agency for a fee, along with other investment activities. It segments are: Retail Banking, offering products and facilities to individual customers; Corporate Banking, providing financing, deposits, trade finance, and foreign exchange services to corporate and SMEs and generating key revenue; and Treasury and Investment Banking, offering treasury products, money market and foreign exchange services, liquidity and market risk management, asset management, corporate advisory, and investment products for high net worth individuals and institutional clients.
20GF Score

Get the complete analysis for MUS:BKNZ

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

ر.ع0.15
Price
ر.ع0.11
GF Value