Standard Bank MalawiMSW:STANDARD 84 ROA % is 8.08% as of Dec. 2025, which is 50% above its 10-year median of 5.40. GuruFocus rates MSW:STANDARD with a GF Score™ of 84/100 and a GF Value™ of MWK1,918.44 (Significantly Overvalued). Among 1,529 Banks companies, Standard Bank Malawi ranks better than 98.95% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Standard Bank Malawi's annualizedNet Income for the quarter that ended in Dec. 2025 was MWK146,608 Mil.
Standard Bank Malawi's average Total Assets over the quarter that ended in Dec. 2025 was MWK1,814,468 Mil. Therefore, Standard Bank Malawi's annualized ROA % for the quarter that ended in Dec. 2025 was 8.08%.
The historical rank and industry rank for Standard Bank Malawi's ROA % or its related term are showing as below:
MSW:STANDARD'
s ROA % Range Over the Past 10 Years
Min: 2.96 Med: 5.4 Max: 7.44
Current: 7.36
During the past 8 years, Standard Bank Malawi's highest ROA % was 7.44%. The lowest was 2.96%. And the median was 5.40%.
MSW:STANDARD's ROA % is ranked better than 98.95% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs MSW:STANDARD: 7.36
Standard Bank Malawi (MSW:STANDARD) 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 (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 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.
* 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, Standard Bank Malawi'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.
Standard Bank Malawi ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's ROA % distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Standard Bank Malawi (MSW:STANDARD) has a ROA % of 8.08% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Standard Bank Malawi and its competitors. This is 50% above median its historical median of 5.40. Over the past decade, Standard Bank Malawi's ROA % has ranged from 2.96 to 7.44. According to the industry distribution chart, Standard Bank Malawi ranks #16 out of 1529 companies in the Banks industry, placing it in the top 1%.
Is Standard Bank Malawi's ROA % too high?
Standard Bank Malawi's current ROA % of 8.08% is 50% above median its 10-year median of 5.40. Over the past 10 years, this metric has ranged from a low of 2.96 to a high of 7.44. The Banks industry median ROA % is 0.98. Standard Bank Malawi's value of 8.08% is 724.5% above this industry median. Based on the distribution chart, Standard Bank Malawi ranks #16 out of 1529 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 ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #16 out of 1529 companies for ROA %. This places Standard Bank Malawi in the top 1% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Standard Bank Malawi's value of 8.08% is 724.5% above this benchmark. Historically, Standard Bank Malawi's own ROA % has ranged from 2.96 to 7.44 over the past decade. While the company's 10-year median is 5.40 vs. the industry median of 0.98, 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 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. Standard Bank Malawi's current ROA % of 8.08% is 724.5% 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 Standard Bank Malawi 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. Standard Bank Malawi's current ROA % is 8.08%, which is 50% above median its own 10-year median of 5.40. 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 MWK1,918.44, compared to a current price of MWK3,999.45 — trading 108.5% above its estimated fair value. The current ROA % is 8.08%, which is 50% above median its 10-year median of 5.40 and 724.5% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Standard Bank Malawi (MSW:STANDARD), the current ROA % is 8.08% 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 MWK3,999.45 is trading 108.5% above its estimated GF Value™ of MWK1,918.44.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
ROA %: 8.08% (50% above median its 10-year median of 5.40)
GF Value™: MWK1,918.44 vs. price of MWK3,999.45 (108.5% above fair value)
Industry Position: 724.5% above the Banks median (#16 of 1529)
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
ROA % 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 
