NBS BankMSW:NBS 78 Return-on-Tangible-Equity is 120.27% as of Jun. 2025, which is 147% above its 10-year median of 48.65. GuruFocus rates MSW:NBS with a GF Score™ of 78/100 and a GF Value™ of MWK441.15 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,521 Banks companies, NBS Bank ranks better than 99.01% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. NBS Bank's annualized net income for the quarter that ended in Jun. 2025 was MWK146,494 Mil. NBS Bank's average shareholder tangible equity for the quarter that ended in Jun. 2025 was MWK121,802 Mil. Therefore, NBS Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2025 was 120.27%.
The historical rank and industry rank for NBS Bank's Return-on-Tangible-Equity or its related term are showing as below:
MSW:NBS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -659.56 Med: 48.65 Max: 109.85
Current: 109.85
During the past 10 years, NBS Bank's highest Return-on-Tangible-Equity was 109.85%. The lowest was -659.56%. And the median was 48.65%.
MSW:NBS's Return-on-Tangible-Equity is ranked better than 99.01% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs MSW:NBS: 109.85
NBS Bank (MSW:NBS) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
NBS Bank Return-on-Tangible-Equity Related Terms
NBS Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for NBS Bank's Return-on-Tangible-Equity 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.
MSW:NBS vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, NBS Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, NBS Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where NBS Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Jun. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 120.27% mean?
NBS Bank (MSW:NBS) has a Return-on-Tangible-Equity of 120.27% as of Jun. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on NBS Bank and its competitors. This is 147% above median its historical median of 48.65. According to the industry distribution chart, NBS Bank ranks #15 out of 1521 companies in the Banks industry, placing it in the top 1%.
Is NBS Bank's Return-on-Tangible-Equity too high?
NBS Bank's current Return-on-Tangible-Equity of 120.27% is 147% above median its 10-year median of 48.65. The Banks industry median Return-on-Tangible-Equity is 11.19. NBS Bank's value of 120.27% is 974.8% above this industry median. Based on the distribution chart, NBS Bank ranks #15 out of 1521 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 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBS Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, NBS Bank ranks #15 out of 1521 companies for Return-on-Tangible-Equity. This places NBS Bank in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. NBS Bank's value of 120.27% is 974.8% above this benchmark. While the company's 10-year median is 48.65 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBS Bank's current Return-on-Tangible-Equity of 120.27% is 974.8% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on NBS Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBS Bank's current Return-on-Tangible-Equity is 120.27%, which is 147% above median its own 10-year median of 48.65. 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 MWK441.15, compared to a current price of MWK699.99 — trading 58.7% above its estimated fair value. The current Return-on-Tangible-Equity is 120.27%, which is 147% above median its 10-year median of 48.65 and 974.8% above the Banks industry median of 11.19. NBS Bank's overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For NBS Bank (MSW:NBS), the current Return-on-Tangible-Equity is 120.27% 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 MWK699.99 is trading 58.7% above its estimated GF Value™ of MWK441.15.
GuruFocus considers NBS Bank to be Significantly Overvalued.
Key valuation signals for MSW:NBS:
Return-on-Tangible-Equity: 120.27% (147% above median its 10-year median of 48.65)
GF Value™: MWK441.15 vs. price of MWK699.99 (58.7% above fair value)
Industry Position: 974.8% above the Banks median (#15 of 1521)
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.
78GF Score
Get the complete analysis for MSW:NBS
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