Standard Bank MalawiMSW:STANDARD 84 Return-on-Tangible-Equity is 48.98% as of Dec. 2025, which is 55% above its 10-year median of 31.68. GuruFocus rates MSW:STANDARD with a GF Score™ of 84/100 and a GF Value™ of MWK1,923.23 (Significantly Overvalued). Among 1,523 Banks companies, Standard Bank Malawi ranks better than 98.23% 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. Standard Bank Malawi's annualized net income for the quarter that ended in Dec. 2025 was MWK146,608 Mil. Standard Bank Malawi's average shareholder tangible equity for the quarter that ended in Dec. 2025 was MWK299,303 Mil. Therefore, Standard Bank Malawi's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 48.98%.
The historical rank and industry rank for Standard Bank Malawi's Return-on-Tangible-Equity or its related term are showing as below:
MSW:STANDARD'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 18.32 Med: 31.68 Max: 43.09
Current: 43.09
During the past 8 years, Standard Bank Malawi's highest Return-on-Tangible-Equity was 43.09%. The lowest was 18.32%. And the median was 31.68%.
MSW:STANDARD's Return-on-Tangible-Equity is ranked better than 98.23% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs MSW:STANDARD: 43.09
Standard Bank Malawi (MSW:STANDARD) 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.
Standard Bank Malawi Return-on-Tangible-Equity Related Terms
Standard Bank Malawi Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Standard Bank Malawi'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.
Standard Bank Malawi Return-on-Tangible-Equity Chart
MSW:STANDARD vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Standard Bank Malawi'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.
Standard Bank Malawi Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi'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 (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 48.98% mean?
Standard Bank Malawi (MSW:STANDARD) has a Return-on-Tangible-Equity of 48.98% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Standard Bank Malawi and its competitors. This is 55% above median its historical median of 31.68. Over the past decade, Standard Bank Malawi's Return-on-Tangible-Equity has ranged from 18.32 to 43.09. According to the industry distribution chart, Standard Bank Malawi ranks #27 out of 1523 companies in the Banks industry, placing it in the top 1.8%.
Is Standard Bank Malawi's Return-on-Tangible-Equity too high?
Standard Bank Malawi's current Return-on-Tangible-Equity of 48.98% is 55% above median its 10-year median of 31.68. Over the past 10 years, this metric has ranged from a low of 18.32 to a high of 43.09. The Banks industry median Return-on-Tangible-Equity is 11.20. Standard Bank Malawi's value of 48.98% is 337.3% above this industry median. Based on the distribution chart, Standard Bank Malawi ranks #27 out of 1523 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 84/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Malawi's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #27 out of 1523 companies for Return-on-Tangible-Equity. This places Standard Bank Malawi in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Standard Bank Malawi's value of 48.98% is 337.3% above this benchmark. Historically, Standard Bank Malawi's own Return-on-Tangible-Equity has ranged from 18.32 to 43.09 over the past decade. While the company's 10-year median is 31.68 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 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. Standard Bank Malawi's current Return-on-Tangible-Equity of 48.98% is 337.3% 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 Standard Bank Malawi and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 48.98%, which is 55% above median its own 10-year median of 31.68. 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 MWK1,923.23, compared to a current price of MWK3,999.42 — trading 108% above its estimated fair value. The current Return-on-Tangible-Equity is 48.98%, which is 55% above median its 10-year median of 31.68 and 337.3% above the Banks industry median of 11.20. Standard Bank Malawi's overall GF Score™ is 84/100. 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 Standard Bank Malawi (MSW:STANDARD), the current Return-on-Tangible-Equity is 48.98% 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 MWK3,999.42 is trading 108% above its estimated GF Value™ of MWK1,923.23.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
Return-on-Tangible-Equity: 48.98% (55% above median its 10-year median of 31.68)
GF Value™: MWK1,923.23 vs. price of MWK3,999.42 (108% above fair value)
Industry Position: 337.3% above the Banks median (#27 of 1523)
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.
84GF Score
Get the complete analysis for MSW:STANDARD
Return-on-Tangible-Equity 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 
