Standard Bank Malawi (MSW:STANDARD) ROE % Adjusted to Book Value: 3.32% (As of Dec. 2025)


MSW:STANDARD Standard Bank Malawi PLC MSW:STANDARD
84 GF Score
Price MWK3,999.45
GF Value MWK1,918.44
Valuation Significantly Overvalued
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What is Standard Bank Malawi ROE % Adjusted to Book Value?

Standard Bank Malawi MSW:STANDARD 84 ROE % Adjusted to Book Value is 3.32% as of Dec. 2025. GuruFocus rates MSW:STANDARD with a GF Score™ of 84/100 and a GF Value™ of MWK1,918.44 (Significantly Overvalued).

Standard Bank Malawi's ROE % for the quarter that ended in Dec. 2025 was 47.40%. Standard Bank Malawi's PB Ratio for the quarter that ended in Dec. 2025 was 14.29. Standard Bank Malawi's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 3.32%.


Standard Bank Malawi ROE % Adjusted to Book Value Related Terms


Standard Bank Malawi ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Standard Bank 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.

Standard Bank Malawi ROE % Adjusted to Book Value Chart

Standard Bank Malawi Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 7.94 9.36 6.44 6.49 2.80

Standard Bank Malawi Semi-Annual Data
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 6.03 8.58 6.37 3.56 3.32

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

For the Banks - Regional subindustry, Standard Bank 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.


Standard Bank Malawi ROE % Adjusted to Book Value vs Banks Industry

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

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


MSW:STANDARD
84GF Score
Standard Bank Malawi PLC MSW:STANDARD
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Bank Malawi ROE % Adjusted to Book Value Calculation

Standard Bank 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
=40.00% / 14.29
=2.80%

Standard Bank 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
=47.40% / 14.29
=3.32%

* 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 3.32% mean?
Standard Bank Malawi (MSW:STANDARD) has a ROE % Adjusted to Book Value of 3.32% 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 Standard Bank Malawi and its competitors.
Is Standard Bank Malawi's ROE % Adjusted to Book Value too high?
Standard Bank Malawi's current ROE % Adjusted to Book Value is 3.32%. 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 ROE % Adjusted to Book Value compare to PNC and USB?
Standard Bank Malawi's ROE % Adjusted to Book Value of 3.32% 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 Standard Bank Malawi and its competitors. Standard Bank Malawi's current ROE % Adjusted to Book Value is 3.32%. 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 ROE % Adjusted to Book Value is 3.32%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Standard Bank Malawi (MSW:STANDARD), the current ROE % Adjusted to Book Value is 3.32% 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:

  • ROE % Adjusted to Book Value: 3.32%
  • GF Value™: MWK1,918.44 vs. price of MWK3,999.45 (108.5% above fair value)
  • GF Score™: 84/100

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 Business Description

Address Africa Unity Avenue, P O Box 30380, Standard Bank Centre, Lilongwe, MWI, 3
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

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

MWK3,999.45
Price
MWK1,918.44
GF Value