National Bank Of Malawi (MSW:NBM) ROE % Adjusted to Book Value: 4.41% (As of Dec. 2025)


MSW:NBM National Bank Of Malawi PLC MSW:NBM
100 GF Score
Price MWK9,799.66
GF Value MWK7,725.51
Valuation Modestly Overvalued
! 1 Warning Sign
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What is National Bank Of Malawi ROE % Adjusted to Book Value?

National Bank Of Malawi MSW:NBM -1.96% 100 ROE % Adjusted to Book Value is 4.41% as of Dec. 2025. GuruFocus rates MSW:NBM with a GF Score™ of 100/100 and a GF Value™ of MWK7,725.51 (Modestly Overvalued). The stock has 1 warning sign investors should review.

National Bank Of Malawi's ROE % for the quarter that ended in Dec. 2025 was 60.60%. National Bank Of Malawi's PB Ratio for the quarter that ended in Dec. 2025 was 13.73. National Bank Of Malawi's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 4.41%.


National Bank Of Malawi ROE % Adjusted to Book Value Related Terms


National Bank Of Malawi ROE % Adjusted to Book Value Historical Data

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The historical data trend for National Bank Of Malawi's ROE % Adjusted to Book Value 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.

National Bank Of Malawi ROE % Adjusted to Book Value Chart

National Bank Of Malawi Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.11 7.21 8.03 7.15 4.19

National Bank Of Malawi Semi-Annual Data
Dec15 Dec16 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.68 7.30 7.78 6.29 4.41

MSW:NBM vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, National Bank Of Malawi's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


National Bank Of Malawi ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, National Bank Of Malawi's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where National Bank Of Malawi's ROE % Adjusted to Book Value falls into.


MSW:NBM
100GF Score
National Bank Of Malawi PLC MSW:NBM
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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National Bank Of Malawi ROE % Adjusted to Book Value Calculation

National Bank Of Malawi's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=57.51% / 13.73
=4.19%

National Bank Of Malawi's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=60.60% / 13.73
=4.41%

* 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.

What does a ROE % Adjusted to Book Value of 4.41% mean?
National Bank Of Malawi (MSW:NBM) has a ROE % Adjusted to Book Value of 4.41% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on National Bank Of Malawi and its competitors.
Is National Bank Of Malawi's ROE % Adjusted to Book Value too high?
National Bank Of Malawi's current ROE % Adjusted to Book Value is 4.41%. Overall, National Bank Of Malawi has a GF Score™ of 100/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank Of Malawi's ROE % Adjusted to Book Value compare to PNC and USB?
National Bank Of Malawi's ROE % Adjusted to Book Value of 4.41% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on National Bank Of Malawi and its competitors. National Bank Of Malawi's current ROE % Adjusted to Book Value is 4.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank Of Malawi stock overvalued right now?
Based on GuruFocus' analysis, National Bank Of Malawi (MSW:NBM) is currently considered Modestly Overvalued. The stock's GF Value™ is MWK7,725.51, compared to a current price of MWK9,799.66 — trading 26.8% above its estimated fair value. The current ROE % Adjusted to Book Value is 4.41%. National Bank Of Malawi's overall GF Score™ is 100/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For National Bank Of Malawi (MSW:NBM), the current ROE % Adjusted to Book Value is 4.41% 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 National Bank Of Malawi (MSW:NBM) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank Of Malawi stock appears to be overvalued. The current stock price of MWK9,799.66 is trading 26.8% above its estimated GF Value™ of MWK7,725.51. GuruFocus considers National Bank Of Malawi to be Modestly Overvalued.

Key valuation signals for MSW:NBM:

  • ROE % Adjusted to Book Value: 4.41%
  • GF Value™: MWK7,725.51 vs. price of MWK9,799.66 (26.8% above fair value)
  • GF Score™: 100/100 with 1 warning sign

No single metric tells the full story. See the MSW:NBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


National Bank Of Malawi Business Description

Address 7 Henderson Street, NBM Tower, P.O Box 945, Blantyre, MWI
National Bank Of Malawi PLC provides personal, corporate, and investment banking as well as stockbroking, insurance, and pension administration services in Malawi. Its business operations are divided into three segments including Retail and corporate banking that incorporates savings, deposits, investment savings products, consumer loans, current accounts, overdrafts, loans, and other credit facilities, trade finance, and corporate leasing; Treasury segment offers financial instruments trading, dealings in foreign currency, stock broking and derivative products; and Other operations comprising fund management, custodial services and providing training services. Revenue from Retail and corporate banking is one of the majority sources of income for the Bank.
100GF Score

Get the complete analysis for MSW:NBM

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MWK9,799.66
Price
MWK7,725.51
GF Value