GCB Bank (XGHA:GCB) EPS (Basic): GHS7.78 (TTM As of Dec. 2025)


XGHA:GCB GCB Bank Ltd XGHA:GCB
70 GF Score
Price GHS39.00
GF Value GHS10.17
Valuation Significantly Overvalued
! 2 Warning Signs
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What is GCB Bank EPS (Basic)?

GCB Bank XGHA:GCB +4.25% 70 EPS (Basic) is GHS7.78 as of Dec. 2025. GuruFocus rates XGHA:GCB with a GF Score™ of 70/100 and a GF Value™ of GHS10.17 (Significantly Overvalued). The stock has 2 warning signs investors should review.

GCB Bank's basic earnings per share (Basic EPS) for the three months ended in Dec. 2025 was GHS2.88. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was GHS7.78.

GCB Bank's EPS (Diluted) for the three months ended in Dec. 2025 was GHS2.88. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was GHS7.78.

GCB Bank's EPS without NRI for the three months ended in Dec. 2025 was GHS2.88. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 7.78.

During the past 12 months, GCB Bank's average EPS without NRIGrowth Rate was 71.50% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, GCB Bank's highest 3-Year average EPS without NRI Growth Rate was 31.70% per year. The lowest was -5.70% per year. And the median was 20.50% per year.

GCB Bank  (XGHA:GCB) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

GCB Bank EPS (Basic) Related Terms

GCB Bank EPS (Basic) Historical Data

* Premium members only.

The historical data trend for GCB Bank's EPS (Basic) 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 EPS (Basic) Chart

GCB Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.16 -2.24 3.81 4.53 7.78

GCB Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
EPS (Basic) 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 2.28 1.27 1.89 1.73 2.88
XGHA:GCB
70GF Score
GCB Bank Ltd XGHA:GCB
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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GCB Bank EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

GCB Bank's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(2060.74-0)/265.000
=7.78

GCB Bank's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(763.32-0)/265.000
=2.88

EPS (Basic) 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 GHS7.78

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of GHS7.78 mean?
GCB Bank (XGHA:GCB) has a EPS (Basic) of GHS7.78 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on GCB Bank and its competitors.
Is GCB Bank's EPS (Basic) too high?
GCB Bank's current EPS (Basic) is GHS7.78. Overall, GCB Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GCB Bank's EPS (Basic) compare to PNC?
GCB Bank's EPS (Basic) of GHS7.78 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on GCB Bank and its competitors. GCB Bank's current EPS (Basic) is GHS7.78. 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 GHS10.17, compared to a current price of GHS39.00 — trading 283.5% above its estimated fair value. The current EPS (Basic) is GHS7.78. GCB Bank's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current EPS (Basic) is GHS7.78 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 GHS39.00 is trading 283.5% above its estimated GF Value™ of GHS10.17. GuruFocus considers GCB Bank to be Significantly Overvalued.

Key valuation signals for XGHA:GCB:

  • EPS (Basic): GHS7.78
  • GF Value™: GHS10.17 vs. price of GHS39.00 (283.5% above fair value)
  • GF Score™: 70/100 with 2 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.
70GF Score

Get the complete analysis for XGHA:GCB

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS39.00
Price
GHS10.17
GF Value