Mwalimu Commercial Bank PLC
Mwalimu Commercial Bank PLC has a total equity of TZS 17,019,000,000 and a debt-to-equity ratio of 0, indicating a strong capital structure with no leverage. The bank's liquidity position is unclear due to the absence of balance-sheet inputs and no going-concern language in source documents. However, the free cash flow of TZS 352,000,000 suggests some operational flexibility. The bank's profitability is modest, with a return on equity (ROE) of 2.17% and a return on assets (ROA) of 0.38%. These figures are below the typical performance metrics for banks, which often aim for ROE above 10% and ROA above 1%. The net income of TZS 369,000,000 on revenue of TZS 5,252,000,000 indicates a net margin of approximately 7%, which is relatively low for a banking institution. The bank's revenue is concentrated in a single geographic market, Tanzania, with no disclosed segments or international operations. This concentration increases exposure to local economic and regulatory risks. The bank's growth trajectory is uncertain, as there are no specific numeric deltas provided for the current or next fiscal year. The capital expenditure of TZS -17,000,000 suggests minimal investment in physical as
Business. Mwalimu Commercial Bank PLC (MCB.TZ) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the company is described at the industry level without geographic or segment-specific breakdowns.
Analyst recommendations
2 analysts · consensus BuyAt a glance
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- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Mwalimu Commercial Bank PLC (MCB.TZ) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the company is described at the industry level without geographic or segment-specific breakdowns.
Mwalimu Commercial Bank PLC has a total equity of TZS 17,019,000,000 and a debt-to-equity ratio of 0, indicating a strong capital structure with no leverage. The bank's liquidity position is unclear due to the absence of balance-sheet inputs and no going-concern language in source documents. However, the free cash flow of TZS 352,000,000 suggests some operational flexibility.
The bank's profitability is modest, with a return on equity (ROE) of 2.17% and a return on assets (ROA) of 0.38%. These figures are below the typical performance metrics for banks, which often aim for ROE above 10% and ROA above 1%. The net income of TZS 369,000,000 on revenue of TZS 5,252,000,000 indicates a net margin of approximately 7%, which is relatively low for a banking institution.
The bank's revenue is concentrated in a single geographic market, Tanzania, with no disclosed segments or international operations. This concentration increases exposure to local economic and regulatory risks.
The bank's growth trajectory is uncertain, as there are no specific numeric deltas provided for the current or next fiscal year. The capital expenditure of TZS -17,000,000 suggests minimal investment in physical assets, which may limit long-term growth potential.
The risk assessment indicates a low dilution risk, with no immediate pressure for share issuance. However, the liquidity risk could not be assessed due to the lack of balance-sheet inputs and no going-concern language in source documents. The absence of detailed risk disclosures in filings and transcripts further complicates the evaluation of potential risks.
Recent events and filings do not provide specific details on the bank's strategic initiatives or financial performance beyond the disclosed financials. The lack of detailed disclosures may indicate a need for more transparency in the company's operations and risk management practices.
- Mwalimu Commercial Bank PLC has a strong capital structure with no leverage, but its liquidity position is unclear.
- The bank's profitability is below industry norms, with a ROE of 2.17% and a ROA of 0.38%.
- Revenue is concentrated in a single geographic market, increasing exposure to local economic and regulatory risks.
- Growth potential is limited due to minimal capital expenditure and no specific growth targets.
- The risk assessment indicates low dilution risk but highlights the need for more detailed liquidity and risk disclosures.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- Mwalimu Commercial Bank PLC Market data — financials · 2026-05-28
Ownership & reference
Insider activity
- Director · Common StockSold 10 000 @ $96,41$964K · 2026-06-12
- Director · Common StockSold 5 000 @ $90,21$451K · 2026-06-04
- Director · Common StockSold 3 000 @ $89,58$269K · 2026-05-29
- EVP and Chief Lending Officer · Common StockOther 3 025 @ $80,65$244K · 2026-03-28
- Director, President and CEO · Common StockOther 6 050 @ $80,65$488K · 2026-03-28
- EVP & Chief Financial Officer · Common StockBought 1 000 @ $79,95$80K · 2026-03-10
- Executive Vice President · Common StockOther 4 241 · 2026-03-02
- Executive Vice President · Common StockOther 5 628 @ $84,15$474K · 2026-03-02
- EVP & Chief Financial Officer · Common StockOther 5 487 · 2026-03-02
- EVP & Chief Financial Officer · Common StockOther 1 631 @ $84,15$137K · 2026-03-02
- EVP, Head of Retail Banking · Common StockOther 4 650 · 2026-03-02
- EVP, Head of Retail Banking · Common StockOther 1 705 @ $84,15$143K · 2026-03-02
- EVP & General Counsel · Common StockOther 4 536 · 2026-03-02
- EVP & General Counsel · Common StockOther 661 @ $84,15$56K · 2026-03-02
- SVP & Chief Risk Officer · Common StockOther 2 414 · 2026-03-02
- SVP & Chief Risk Officer · Common StockOther 342 @ $84,15$29K · 2026-03-02
- SVP and Chief Credit Officer · Common StockOther 2 296 · 2026-03-02
- SVP and Chief Credit Officer · Common StockOther 2 310 @ $84,15$194K · 2026-03-02
- SVP, Controller, CAO & PAO · Common StockOther 2 153 · 2026-03-02
- SVP, Controller, CAO & PAO · Common StockOther 1 099 @ $84,15$92K · 2026-03-02
- EVP & Chief Operating Officer · Common StockOther 3 432 · 2026-03-02
- EVP & Chief Operating Officer · Common StockOther 1 418 @ $84,15$119K · 2026-03-02
- EVP and Chief Lending Officer · Common StockOther 5 443 · 2026-03-02
- EVP and Chief Lending Officer · Common StockOther 3 294 @ $84,15$277K · 2026-03-02
- Director, President and CEO · Common StockOther 9 445 @ $84,15$795K · 2026-03-02
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 11.6%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 12.4%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 14.3%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 96.5%Derived (calculated)
- Return on equity (FY 2025-12-31): 9.6%Derived (calculated)
- Return on assets (FY 2025-12-31): 0.9%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 10.11xDerived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 13.1%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 1.8%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -40.3%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 6.6%Derived (calculated)
- Cash & equivalents (annual): USD 393.59MSEC XBRL filing
- Net income (annual): USD 71.1MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 7SEC XBRL filing
- Shares outstanding (annual): 10.09MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 7SEC XBRL filing
- Pre-tax income (annual): USD 101.51MSEC XBRL filing
- Shareholders' equity (annual): USD 743.11MSEC XBRL filing
- Operating cash flow (annual): USD 88.68MSEC XBRL filing
- Total liabilities (annual): USD 7.51BSEC XBRL filing
- Total assets (annual): USD 8.26BSEC XBRL filing
- Debt-to-equity (FY 2024-12-31): 9.00xDerived (calculated)
- Return on equity (FY 2024-12-31): 9.1%Derived (calculated)
- Return on assets (FY 2024-12-31): 0.9%Derived (calculated)