GCB Bank (XGHA:GCB) EPS without NRI: GHS7.78 (TTM As of Dec. 2025)


XGHA:GCB GCB Bank Ltd XGHA:GCB
69 GF Score
Price GHS41.00
GF Value GHS10.45
Valuation Significantly Overvalued
! 3 Warning Signs
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What is GCB Bank EPS without NRI?

GCB Bank XGHA:GCB +2.50% 69 EPS without NRI is GHS7.78 as of Dec. 2025. GuruFocus rates XGHA:GCB with a GF Score™ of 69/100 and a GF Value™ of GHS10.45 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,415 Banks companies, GCB Bank ranks worse than 70671.31% on this metric.

GCB Bank's earnings per share without non-recurring items for the three months ended in Dec. 2025 was GHS2.88. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was GHS7.78.

During the past 12 months, GCB Bank's average earnings per share (NRI) Growth Rate was 71.50% 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 GCB Bank's EPS without NRI or its related term are showing as below:

During the past 13 years, GCB Bank's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 31.70% per year. The lowest was -5.70% per year. And the median was 20.50% per year.

XGHA:GCB'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.

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 (Basic) for the three months ended in Dec. 2025 was GHS2.88. Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was GHS7.78.


GCB Bank  (XGHA:GCB) 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.


GCB Bank EPS without NRI Related Terms


GCB Bank EPS without NRI Historical Data

* Premium members only.

The historical data trend for GCB 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.

GCB Bank EPS without NRI Chart

GCB Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.15 -2.22 3.84 4.54 7.79

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 without NRI 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 vs PNC: EPS without NRI Comparison

For the Banks - Regional subindustry, GCB 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.


GCB Bank PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, GCB Bank's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where GCB Bank's PE Ratio without NRI falls into.


XGHA:GCB
69GF Score
GCB Bank Ltd XGHA:GCB
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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GCB Bank EPS without NRI Calculation

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 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 without NRI →
What does a EPS without NRI of GHS7.78 mean?
GCB Bank (XGHA:GCB) has a EPS without NRI of GHS7.78 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on GCB Bank and its competitors. According to the industry distribution chart, GCB Bank ranks #999999 out of 1415 companies in the Banks industry.
Is GCB Bank's EPS without NRI too high?
GCB Bank's current EPS without NRI is GHS7.78. Based on the distribution chart, GCB Bank ranks #999999 out of 1415 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EPS without NRI compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #999999 out of 1415 companies for EPS without NRI. This places GCB 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 1,415 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 GCB 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. GCB Bank's current EPS without NRI 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 GHS10.45, compared to a current price of GHS41.00 — trading 292.3% above its estimated fair value. The current EPS without NRI is GHS7.78. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current EPS without NRI 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 GHS41.00 is trading 292.3% above its estimated GF Value™ of GHS10.45. GuruFocus considers GCB Bank to be Significantly Overvalued.

Key valuation signals for XGHA:GCB:

  • EPS without NRI: GHS7.78
  • GF Value™: GHS10.45 vs. price of GHS41.00 (292.3% 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

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS41.00
Price
GHS10.45
GF Value