NBS Bank (MSW:NBS) Scaled Net Operating Assets: 0.05 (As of Jun. 2025)


MSW:NBS NBS Bank PLC MSW:NBS
79 GF Score
Price MWK738.55
GF Value MWK438.96
Valuation Significantly Overvalued
! 1 Warning Sign
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What is NBS Bank Scaled Net Operating Assets?

NBS Bank MSW:NBS 79 Scaled Net Operating Assets is 0.05 as of Jun. 2025. GuruFocus rates MSW:NBS with a GF Score™ of 79/100 and a GF Value™ of MWK438.96 (Significantly 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.

NBS Bank's operating assets for the quarter that ended in Jun. 2025 was MWK1,162,496 Mil. NBS Bank's operating liabilities for the quarter that ended in Jun. 2025 was MWK1,103,190 Mil. NBS Bank's Total Assets for the quarter that ended in Dec. 2024 was MWK1,192,844 Mil. Therefore, NBS Bank's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2025 was 0.05.

MSW:NBS
79GF Score
NBS Bank PLC MSW:NBS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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NBS Bank 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.

NBS Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2024 )
=(Operating Assets (A: Dec. 2024 )-Operating Liabilities (A: Dec. 2024 ))/Total Assets (A: Dec. 2023 )
=(889049.886-923478.724)/657716.406
=-0.05

where

Operating Assets(A: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1192844.286 - 303794.4
=889049.886

Operating Liabilities(A: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1080749.424 - 157270.7 - 0
=923478.724

NBS Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2025 )
=(Operating Assets (Q: Jun. 2025 )-Operating Liabilities (Q: Jun. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1162496-1103190)/1192844.286
=0.05

where

Operating Assets(Q: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1326595 - 164099
=1162496

Operating Liabilities(Q: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1163736 - 60546 - 0
=1103190

* 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 0.05 mean?
NBS Bank (MSW:NBS) has a Scaled Net Operating Assets of 0.05 as of Jun. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on NBS Bank and its competitors.
Is NBS Bank's Scaled Net Operating Assets too high?
NBS Bank's current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets compare to PNC and USB?
NBS Bank's Scaled Net Operating Assets of 0.05 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 NBS Bank and its competitors. NBS Bank's current Scaled Net Operating Assets is 0.05. 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 MWK438.96, compared to a current price of MWK738.55 — trading 68.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For NBS Bank (MSW:NBS), the current Scaled Net Operating Assets is 0.05 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 MWK738.55 is trading 68.2% above its estimated GF Value™ of MWK438.96. GuruFocus considers NBS Bank to be Significantly Overvalued.

Key valuation signals for MSW:NBS:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: MWK438.96 vs. price of MWK738.55 (68.2% above fair value)
  • GF Score™: 79/100 with 1 warning sign

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 Business Description

Address Corner Chipembere Highway & Johnstone Roads, NBS House, PO Box 32251, Chichiri, Ginnery Corner, Blantyre 3, Blantyre, MWI
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

Get the complete analysis for MSW:NBS

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MWK738.55
Price
MWK438.96
GF Value