GCB Bank (XGHA:GCB) Cyclically Adjusted Revenue per Share: GHS12.53 (As of Dec. 2025)


XGHA:GCB GCB Bank Ltd XGHA:GCB
69 GF Score
Price GHS42.50
GF Value GHS10.59
Valuation Significantly Overvalued
! 3 Warning Signs
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What is GCB Bank Cyclically Adjusted Revenue per Share?

GCB Bank XGHA:GCB 69 Cyclically Adjusted Revenue per Share is GHS12.53 as of Dec. 2025. GuruFocus rates XGHA:GCB with a GF Score™ of 69/100 and a GF Value™ of GHS10.59 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

GCB Bank's adjusted revenue per share for the three months ended in Dec. 2025 was GHS7.432. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is GHS12.53 for the trailing ten years ended in Dec. 2025.

During the past 12 months, GCB Bank's average Cyclically Adjusted Revenue Growth Rate was 27.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-11), GCB Bank's current stock price is GHS42.50. GCB Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 was GHS12.53. GCB Bank's Cyclically Adjusted PS Ratio of today is 3.39.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of GCB Bank was 4.15. The lowest was 0.59. And the median was 0.83.


GCB Bank  (XGHA:GCB) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

GCB Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=42.50/12.53
=3.39

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of GCB Bank was 4.15. The lowest was 0.59. And the median was 0.83.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


GCB Bank Cyclically Adjusted Revenue per Share Related Terms


GCB Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for GCB Bank's Cyclically Adjusted Revenue per Share 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.

GCB Bank Cyclically Adjusted Revenue per Share Chart

GCB Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 9.85 12.53

GCB Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted Revenue per Share 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.85 10.36 11.51 11.90 12.53

XGHA:GCB vs PNC: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, GCB Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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.


GCB Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, GCB Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where GCB Bank's Cyclically Adjusted PS Ratio falls into.


XGHA:GCB
69GF Score
GCB Bank Ltd XGHA:GCB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

GCB Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, GCB Bank's adjusted Revenue per Share data for the three months ended in Dec. 2025 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=7.432/324.0540*324.0540
=7.432

Current CPI (Dec. 2025) = 324.0540.

GCB Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201512 0.885 236.525 1.213
201606 0.000 241.018 0.000
201609 1.053 241.428 1.413
201612 1.037 241.432 1.392
201703 1.035 243.801 1.376
201706 1.925 244.955 2.547
201709 0.936 246.819 1.229
201712 1.308 246.524 1.719
201803 0.988 249.554 1.283
201806 1.154 251.989 1.484
201809 1.267 252.439 1.626
201812 1.429 251.233 1.843
201903 1.335 254.202 1.702
201906 2.788 256.143 3.527
201909 1.542 256.759 1.946
201912 1.649 256.974 2.079
202003 1.618 258.115 2.031
202006 3.657 257.797 4.597
202009 1.793 260.280 2.232
202012 2.187 260.474 2.721
202103 2.151 264.877 2.632
202106 2.233 271.696 2.663
202109 2.257 274.310 2.666
202112 2.516 278.802 2.924
202203 2.510 287.504 2.829
202206 2.579 296.311 2.820
202209 2.862 296.808 3.125
202212 -3.521 296.797 -3.844
202303 3.410 301.836 3.661
202306 6.818 305.109 7.241
202309 3.549 307.789 3.737
202312 3.012 306.746 3.182
202403 3.615 312.332 3.751
202406 7.128 314.175 7.352
202409 3.867 315.301 3.974
202412 5.669 315.605 5.821
202503 4.722 319.799 4.785
202506 11.424 322.561 11.477
202509 5.968 324.800 5.954
202512 7.432 324.054 7.432

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of GHS12.53 mean?
GCB Bank (XGHA:GCB) has a Cyclically Adjusted Revenue per Share of GHS12.53 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on GCB Bank and its competitors.
Is GCB Bank's Cyclically Adjusted Revenue per Share too high?
GCB Bank's current Cyclically Adjusted Revenue per Share is GHS12.53. Overall, GCB Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GCB Bank's Cyclically Adjusted Revenue per Share compare to PNC?
GCB Bank's Cyclically Adjusted Revenue per Share of GHS12.53 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on GCB Bank and its competitors. GCB Bank's current Cyclically Adjusted Revenue per Share is GHS12.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GCB Bank stock overvalued right now?
Based on GuruFocus' analysis, GCB Bank (XGHA:GCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS10.59, compared to a current price of GHS42.50 — trading 301.3% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is GHS12.53. GCB Bank's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current Cyclically Adjusted Revenue per Share is GHS12.53 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 GCB Bank (XGHA:GCB) Overvalued in 2026?

Based on GuruFocus' analysis, GCB Bank stock appears to be overvalued. The current stock price of GHS42.50 is trading 301.3% above its estimated GF Value™ of GHS10.59. GuruFocus considers GCB Bank to be Significantly Overvalued.

Key valuation signals for XGHA:GCB:

  • Cyclically Adjusted Revenue per Share: GHS12.53
  • GF Value™: GHS10.59 vs. price of GHS42.50 (301.3% above fair value)
  • GF Score™: 69/100 with 3 warning signs

No single metric tells the full story. See the XGHA:GCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


GCB Bank Business Description

Address Thorpe Road, High Street, P.O. Box 134, GCB Bank Building, Accra, GHA
GCB Bank Ltd operates as a commercial bank in Ghana. The group's operating segments are Retail banking; Corporate banking; Treasury; and Commercial banking. It derives key revenue from the Retail banking segment. The bank offers various products and services including international money transfer, overdraft facilities, bulk cash collection, trade finance, payroll solutions, business advice, internet banking, and others. Geographically, it derives a majority of its revenue from Ghana.
69GF Score

Get the complete analysis for XGHA:GCB

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS42.50
Price
GHS10.59
GF Value