NBS BankMSW:NBS -0.01%79 ROA % is 11.63% as of Jun. 2025, which is 300% above its 10-year median of 2.91. GuruFocus rates MSW:NBS with a GF Score™ of 79/100 and a GF Value™ of MWK437.87 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,529 Banks companies, NBS Bank ranks better than 99.35% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. NBS Bank's annualizedNet Income for the quarter that ended in Jun. 2025 was MWK146,494 Mil.
NBS Bank's average Total Assets over the quarter that ended in Jun. 2025 was MWK1,259,720 Mil. Therefore, NBS Bank's annualized ROA % for the quarter that ended in Jun. 2025 was 11.63%.
The historical rank and industry rank for NBS Bank's ROA % or its related term are showing as below:
MSW:NBS'
s ROA % Range Over the Past 10 Years
Min: -10.07 Med: 2.91 Max: 9.76
Current: 9.76
During the past 10 years, NBS Bank's highest ROA % was 9.76%. The lowest was -10.07%. And the median was 2.91%.
MSW:NBS's ROA % is ranked better than 99.35% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs MSW:NBS: 9.76
NBS Bank (MSW:NBS) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Jun. 2025) net income data. The Revenue data used here is two times the semi-annual (Jun. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
NBS Bank ROA % Related Terms
NBS Bank ROA % Historical Data
* Premium members only.
The historical data trend for NBS Bank's ROA % 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.
For the Banks - Regional subindustry, NBS Bank's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, NBS Bank's ROA % distribution charts can be found below:
* The bar in red indicates where NBS Bank's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
NBS Bank (MSW:NBS) has a ROA % of 11.63% as of Jun. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on NBS Bank and its competitors. This is 300% above median its historical median of 2.91. According to the industry distribution chart, NBS Bank ranks #10 out of 1529 companies in the Banks industry, placing it in the top 0.7%.
Is NBS Bank's ROA % too high?
NBS Bank's current ROA % of 11.63% is 300% above median its 10-year median of 2.91. The Banks industry median ROA % is 0.98. NBS Bank's value of 11.63% is 1086.7% above this industry median. Based on the distribution chart, NBS Bank ranks #10 out of 1529 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 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBS Bank's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, NBS Bank ranks #10 out of 1529 companies for ROA %. This places NBS Bank in the top 1% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. NBS Bank's value of 11.63% is 1086.7% above this benchmark. While the company's 10-year median is 2.91 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBS Bank's current ROA % of 11.63% is 1086.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on NBS Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBS Bank's current ROA % is 11.63%, which is 300% above median its own 10-year median of 2.91. 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 MWK437.87, compared to a current price of MWK741.03 — trading 69.2% above its estimated fair value. The current ROA % is 11.63%, which is 300% above median its 10-year median of 2.91 and 1086.7% above the Banks industry median of 0.98. NBS Bank's overall GF Score™ is 79/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For NBS Bank (MSW:NBS), the current ROA % is 11.63% 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 MWK741.03 is trading 69.2% above its estimated GF Value™ of MWK437.87.
GuruFocus considers NBS Bank to be Significantly Overvalued.
Key valuation signals for MSW:NBS:
ROA %: 11.63% (300% above median its 10-year median of 2.91)
GF Value™: MWK437.87 vs. price of MWK741.03 (69.2% above fair value)
Industry Position: 1086.7% above the Banks median (#10 of 1529)
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.
79GF Score
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