Standard Bank MalawiMSW:STANDARD 77 Return-on-Tangible-Asset is 8.12% as of Dec. 2025, which is 48% above its 10-year median of 5.49. GuruFocus rates MSW:STANDARD with a GF Score™ of 77/100 and a GF Value™ of MWK1,928.98 (Significantly Overvalued). Among 1,530 Banks companies, Standard Bank Malawi ranks better than 99.02% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Standard Bank Malawi's annualizedNet Income for the quarter that ended in Dec. 2025 was MWK146,608 Mil. Standard Bank Malawi's average total tangible assets for the quarter that ended in Dec. 2025 was MWK1,804,480 Mil. Therefore, Standard Bank Malawi's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 8.12%.
The historical rank and industry rank for Standard Bank Malawi's Return-on-Tangible-Asset or its related term are showing as below:
MSW:STANDARD'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 3.13 Med: 5.49 Max: 7.49
Current: 7.4
During the past 8 years, Standard Bank Malawi's highest Return-on-Tangible-Asset was 7.49%. The lowest was 3.13%. And the median was 5.49%.
MSW:STANDARD's Return-on-Tangible-Asset is ranked better than 99.02% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs MSW:STANDARD: 7.40
Standard Bank Malawi (MSW:STANDARD) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Standard Bank Malawi Return-on-Tangible-Asset Related Terms
Standard Bank Malawi Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Standard Bank Malawi's Return-on-Tangible-Asset 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.
Standard Bank Malawi Return-on-Tangible-Asset Chart
MSW:STANDARD vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Standard Bank Malawi's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Standard Bank Malawi Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 8.12% mean?
Standard Bank Malawi (MSW:STANDARD) has a Return-on-Tangible-Asset of 8.12% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Standard Bank Malawi and its competitors. This is 48% above median its historical median of 5.49. Over the past decade, Standard Bank Malawi's Return-on-Tangible-Asset has ranged from 3.13 to 7.49. According to the industry distribution chart, Standard Bank Malawi ranks #15 out of 1530 companies in the Banks industry, placing it in the top 1%.
Is Standard Bank Malawi's Return-on-Tangible-Asset too high?
Standard Bank Malawi's current Return-on-Tangible-Asset of 8.12% is 48% above median its 10-year median of 5.49. Over the past 10 years, this metric has ranged from a low of 3.13 to a high of 7.49. The Banks industry median Return-on-Tangible-Asset is 0.99. Standard Bank Malawi's value of 8.12% is 720.2% above this industry median. Based on the distribution chart, Standard Bank Malawi ranks #15 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Bank Malawi has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Malawi's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #15 out of 1530 companies for Return-on-Tangible-Asset. This places Standard Bank Malawi in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Standard Bank Malawi's value of 8.12% is 720.2% above this benchmark. Historically, Standard Bank Malawi's own Return-on-Tangible-Asset has ranged from 3.13 to 7.49 over the past decade. While the company's 10-year median is 5.49 vs. the industry median of 0.99, Standard Bank 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Bank Malawi's current Return-on-Tangible-Asset of 8.12% is 720.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Standard Bank Malawi and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Bank Malawi's current Return-on-Tangible-Asset is 8.12%, which is 48% above median its own 10-year median of 5.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Malawi stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Malawi (MSW:STANDARD) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK1,928.98, compared to a current price of MWK3,999.32 — trading 107.3% above its estimated fair value. The current Return-on-Tangible-Asset is 8.12%, which is 48% above median its 10-year median of 5.49 and 720.2% above the Banks industry median of 0.99. Standard Bank Malawi's overall GF Score™ is 77/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Standard Bank Malawi (MSW:STANDARD), the current Return-on-Tangible-Asset is 8.12% 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 Standard Bank Malawi (MSW:STANDARD) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Malawi stock appears to be overvalued.
The current stock price of MWK3,999.32 is trading 107.3% above its estimated GF Value™ of MWK1,928.98.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
Return-on-Tangible-Asset: 8.12% (48% above median its 10-year median of 5.49)
GF Value™: MWK1,928.98 vs. price of MWK3,999.32 (107.3% above fair value)
Industry Position: 720.2% above the Banks median (#15 of 1530)
No single metric tells the full story. See the MSW:STANDARD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Malawi PLC provides banking services. Its business operations are divided into three segments Corporate and Investment Banking, Personal and Private Banking, Business and Commercial Banking, and Treasury and Capital Management. Services offered by the company include current accounts, savings, deposits, investment savings products, custody, debit cards, consumer loans, mortgages, internet banking, telephone banking, foreign exchange, commodities, debt securities, and equities trading, among others. Its branches are located across Malawi. The Bank offers its services to individual customers and small to medium-sized enterprises.
77GF Score
Get the complete analysis for MSW:STANDARD
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MSW:STANDARD has been successfully added to your 
