CAL BankXGHA:CAL -1.27% EPS without NRI is GHS0.21 as of Mar. 2026. The stock has 1 warning sign investors should review. Among 1,414 Banks companies, CAL Bank ranks worse than 70721.29% on this metric.
CAL Bank's earnings per share without non-recurring items for the
three
months ended in Mar. 2026 was GHS0.10.
Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was GHS0.21.
During the past 12 months, CAL Bank's average earnings per share (NRI) Growth Rate was -19.20% per year.
During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% 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 Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for CAL Bank's EPS without NRI or its related term are showing as below:
During the past 13 years, CAL Bank's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 162.90% per year. The lowest was -53.30% per year. And the median was 13.40% per year.
XGHA:CAL's 3-Year EPS without NRI Growth Rate is not ranked *
in the Banks industry.
Industry Median: 7.2 * Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CAL Bank's EPS (Diluted) for the
three
months ended in Mar. 2026 was GHS0.10.
Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was GHS0.21.
CAL Bank's EPS (Basic) for the
three
months ended in Mar. 2026 was GHS0.10.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was GHS0.21.
CAL Bank (XGHA:CAL) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
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.
CAL Bank EPS without NRI Related Terms
CAL Bank EPS without NRI Historical Data
* Premium members only.
The historical data trend for CAL Bank's EPS without NRI 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, CAL Bank's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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.
CAL Bank PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, CAL Bank's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where CAL Bank's PE Ratio without NRI falls into.
Earnings Per Share (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.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was GHS0.21
* 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.
CAL Bank (XGHA:CAL) has a EPS without NRI of GHS0.21 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on CAL Bank and its competitors. According to the industry distribution chart, CAL Bank ranks #999999 out of 1414 companies in the Banks industry.
Is CAL Bank's EPS without NRI too high?
CAL Bank's current EPS without NRI is GHS0.21. Based on the distribution chart, CAL Bank ranks #999999 out of 1414 companies in the Banks industry, which is in the bottom quartile relative to peers.
How does CAL Bank's EPS without NRI compare to PNC?
According to the Banks industry distribution chart, CAL Bank ranks #999999 out of 1414 companies for EPS without NRI. This places CAL Bank in the lower half of its industry. The industry median EPS without NRI is 7.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.20, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI 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 without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on CAL Bank and its competitors. For the Banks industry, the median EPS without NRI is 7.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CAL Bank's current EPS without NRI is GHS0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current EPS without NRI of GHS0.21. The current EPS without NRI is GHS0.21. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For CAL Bank (XGHA:CAL), the current EPS without NRI is GHS0.21 as of Mar. 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.
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.
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