National Bank Of Malawi (MSW:NBM) Scaled Net Operating Assets: 0.03 (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 Scaled Net Operating Assets?

National Bank Of Malawi MSW:NBM -1.96% 100 Scaled Net Operating Assets is 0.03 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

National Bank Of Malawi's operating assets for the quarter that ended in Dec. 2025 was MWK2,126,195 Mil. National Bank Of Malawi's operating liabilities for the quarter that ended in Dec. 2025 was MWK2,060,372 Mil. National Bank Of Malawi's Total Assets for the quarter that ended in Jun. 2025 was MWK2,117,249 Mil. Therefore, National Bank Of Malawi's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.03.

MSW:NBM
100GF Score
National Bank Of Malawi PLC MSW:NBM
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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National Bank Of Malawi Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

National Bank Of Malawi's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2126195-2060372)/1730205
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2494799 - 368604
=2126195

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2081166 - 20794 - 0
=2060372

National Bank Of Malawi's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(2126195-2060372)/2117249
=0.03

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2494799 - 368604
=2126195

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2081166 - 20794 - 0
=2060372

* 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 Scaled Net Operating Assets of 0.03 mean?
National Bank Of Malawi (MSW:NBM) has a Scaled Net Operating Assets of 0.03 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on National Bank Of Malawi and its competitors.
Is National Bank Of Malawi's Scaled Net Operating Assets too high?
National Bank Of Malawi's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets compare to PNC and USB?
National Bank Of Malawi's Scaled Net Operating Assets of 0.03 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on National Bank Of Malawi and its competitors. National Bank Of Malawi's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For National Bank Of Malawi (MSW:NBM), the current Scaled Net Operating Assets is 0.03 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:

  • Scaled Net Operating Assets: 0.03
  • 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

Scaled Net Operating Assets 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