Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
GCB BankXGHA:GCB 56 EV-to-OCF is 0.07 as of Aug. 08, 2026. GuruFocus rates XGHA:GCB with a GF Score™ of 56/100 and a GF Value™ of GHS10.88 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,498 Banks companies, GCB Bank ranks better than 69.36% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, GCB Bank's Enterprise Value is GHS206 Mil.
GCB Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was GHS3,008 Mil. Therefore, GCB Bank's EV-to-OCF for today is 0.07.
The historical rank and industry rank for GCB Bank's EV-to-OCF or its related term are showing as below:
XGHA:GCB'
s EV-to-OCF Range Over the Past 10 Years
Min: -1175.06 Med: -0.42 Max: 27.79
Current: 0.08
During the past 13 years, the highest EV-to-OCF of GCB Bank was 27.79. The lowest was -1175.06. And the median was -0.42.
XGHA:GCB's EV-to-OCF is ranked better than 69.36% of 1498
companies
in the Banks industry
Industry Median: 3.98
vs XGHA:GCB: 0.08
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
GCB Bank's share price for today is GHS43.10.
GCB Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was GHS7.776.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
GCB Bank EV-to-OCF Related Terms
GCB Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for GCB Bank's EV-to-OCF 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.
For the Banks - Regional subindustry, GCB Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, GCB Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where GCB Bank's EV-to-OCF falls into.
GCB Bank's current Enterprise Value is GHS206 Mil.
GCB Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was GHS3,008 Mil.
* 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 (XGHA:GCB) has a EV-to-OCF of 0.07 as of Aug. 08, 2026. According to the industry distribution chart, GCB Bank ranks #459 out of 1498 companies in the Banks industry, placing it in the top 30.6%.
Is GCB Bank's EV-to-OCF too high?
GCB Bank's current EV-to-OCF is 0.07. The Banks industry median EV-to-OCF is 3.98. GCB Bank's value of 0.07 is 98.2% below this industry median. Based on the distribution chart, GCB Bank ranks #459 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, GCB Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GCB Bank's EV-to-OCF compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #459 out of 1498 companies for EV-to-OCF. This puts GCB Bank in the upper half of its industry. The industry median EV-to-OCF is 3.98. GCB Bank's value of 0.07 is 98.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GCB Bank's current EV-to-OCF of 0.07 is 98.2% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GCB Bank's current EV-to-OCF is 0.07. 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 GHS10.88, compared to a current price of GHS43.10 — trading 296.1% above its estimated fair value. The current EV-to-OCF is 0.07 and 98.2% below the Banks industry median of 3.98. GCB Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current EV-to-OCF is 0.07 as of Aug. 08, 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 GCB Bank (XGHA:GCB) Overvalued in 2026?
Based on GuruFocus' analysis, GCB Bank stock appears to be overvalued.
The current stock price of GHS43.10 is trading 296.1% above its estimated GF Value™ of GHS10.88.
GuruFocus considers GCB Bank to be Significantly Overvalued.
Key valuation signals for XGHA:GCB:
EV-to-OCF: 0.07
GF Value™: GHS10.88 vs. price of GHS43.10 (296.1% above fair value)
Industry Position: 98.2% below the Banks median (#459 of 1498)
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 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.
56GF Score
Get the complete analysis for XGHA:GCB
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XGHA:GCB has been successfully added to your 
