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NBS BankMSW:NBS -0.01%78 5-Year Yield-on-Cost % is 2.87 as of Jul. 25, 2026, which is 49% above its 10-year median of 1.92. GuruFocus rates MSW:NBS with a GF Score™ of 78/100 and a GF Value™ of MWK444.21 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,250 Banks companies, NBS Bank ranks worse than 67.84% on this metric.
NBS Bank's yield on cost for the quarter that ended in Jun. 2025 was 2.87.
The historical rank and industry rank for NBS Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
MSW:NBS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.64 Med: 1.92 Max: 5.91
Current: 2.87
During the past 10 years, NBS Bank's highest Yield on Cost was 5.91. The lowest was 0.64. And the median was 1.92.
MSW:NBS's 5-Year Yield-on-Cost % is ranked worse than 67.84% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs MSW:NBS: 2.87
NBS Bank (MSW:NBS) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
NBS Bank 5-Year Yield-on-Cost % Related Terms
MSW:NBS vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, NBS Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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.
NBS Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, NBS Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where NBS Bank's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of NBS Bank is calculated as
NBS Bank (MSW:NBS) has a 5-Year Yield-on-Cost % of 2.87 as of Jul. 25, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NBS Bank and its competitors. This is 49% above median its historical median of 1.92. Over the past decade, NBS Bank's 5-Year Yield-on-Cost % has ranged from 0.64 to 5.91. According to the industry distribution chart, NBS Bank ranks #848 out of 1250 companies in the Banks industry, placing it in the top 67.8%.
Is NBS Bank's 5-Year Yield-on-Cost % too high?
NBS Bank's current 5-Year Yield-on-Cost % of 2.87 is 49% above median its 10-year median of 1.92. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 5.91. The Banks industry median 5-Year Yield-on-Cost % is 3.89. NBS Bank's value of 2.87 is 26.1% below this industry median. Based on the distribution chart, NBS Bank ranks #848 out of 1250 companies in the Banks industry, which is below the industry midpoint. Overall, NBS Bank has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBS Bank's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, NBS Bank ranks #848 out of 1250 companies for 5-Year Yield-on-Cost %. This places NBS Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. NBS Bank's value of 2.87 is 26.1% below this benchmark. Historically, NBS Bank's own 5-Year Yield-on-Cost % has ranged from 0.64 to 5.91 over the past decade. While the company's 10-year median is 1.92 vs. the industry median of 3.89, NBS Bank has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBS Bank's current 5-Year Yield-on-Cost % of 2.87 is 26.1% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NBS Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBS Bank's current 5-Year Yield-on-Cost % is 2.87, which is 49% above median its own 10-year median of 1.92. 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 MWK444.21, compared to a current price of MWK689.78 — trading 55.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.87, which is 49% above median its 10-year median of 1.92 and 26.1% below the Banks industry median of 3.89. NBS Bank's overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For NBS Bank (MSW:NBS), the current 5-Year Yield-on-Cost % is 2.87 as of Jul. 25, 2026. 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 MWK689.78 is trading 55.3% above its estimated GF Value™ of MWK444.21.
GuruFocus considers NBS Bank to be Significantly Overvalued.
Key valuation signals for MSW:NBS:
5-Year Yield-on-Cost %: 2.87 (49% above median its 10-year median of 1.92)
GF Value™: MWK444.21 vs. price of MWK689.78 (55.3% above fair value)
Industry Position: 26.1% below the Banks median (#848 of 1250)
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 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.
78GF Score
Get the complete analysis for MSW:NBS
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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