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Agricultural Development BankXGHA:ADB 20 Equity-to-Asset is 0.13 as of Mar. 2026, which is 7% below its 10-year median of 0.14. GuruFocus rates XGHA:ADB with a GF Score™ of 20/100 and a GF Value™ of GHS4.06 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Agricultural Development Bank ranks better than 78.3% on this metric.
Agricultural Development Bank (XGHA:ADB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Agricultural Development Bank Equity-to-Asset Related Terms
Agricultural Development Bank Equity-to-Asset Historical Data
* 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.
Agricultural Development Bank Equity-to-Asset Chart
Agricultural Development Bank Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Agricultural Development Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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.
Agricultural Development Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Development Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Agricultural Development Bank's Equity-to-Asset falls into.
Agricultural Development Bank Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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.
Agricultural Development Bank (XGHA:ADB) has a Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Agricultural Development Bank and its competitors. This is near median its historical median of 0.14. According to the industry distribution chart, Agricultural Development Bank ranks #330 out of 1521 companies in the Banks industry, placing it in the top 21.7%.
Is Agricultural Development Bank's Equity-to-Asset too high?
Agricultural Development Bank's current Equity-to-Asset of 0.13 is near median its 10-year median of 0.14. The Banks industry median Equity-to-Asset is 0.10. Agricultural Development Bank's value of 0.13 is 30% above this industry median. Based on the distribution chart, Agricultural Development Bank ranks #330 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Agricultural Development Bank has a GF Score™ of 20/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #330 out of 1521 companies for Equity-to-Asset. This places Agricultural Development Bank in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Agricultural Development Bank's value of 0.13 is 30% above this benchmark. While the company's 10-year median is 0.14 vs. the industry median of 0.10, Agricultural Development Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Agricultural Development Bank's current Equity-to-Asset of 0.13 is 30% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Agricultural Development Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agricultural Development Bank's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agricultural Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agricultural Development Bank (XGHA:ADB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS4.06, compared to a current price of GHS5.30 — trading 30.5% above its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.14 and 30% above the Banks industry median of 0.10. Agricultural Development Bank's overall GF Score™ is 20/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current Equity-to-Asset is 0.13 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.
Is Agricultural Development Bank (XGHA:ADB) Overvalued in 2026?
Based on GuruFocus' analysis, Agricultural Development Bank stock appears to be overvalued.
The current stock price of GHS5.30 is trading 30.5% above its estimated GF Value™ of GHS4.06.
GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.
Key valuation signals for XGHA:ADB:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.14)
GF Value™: GHS4.06 vs. price of GHS5.30 (30.5% above fair value)
Industry Position: 30% above the Banks median (#330 of 1521)
No single metric tells the full story. See the XGHA:ADB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agricultural Development Bank Ltd is a universal bank offering a full range of banking products and services in Consumer, Corporate, Parastatals/Public Sector, SME, Agribusiness, Trade and E-Banking services. Its business focus is universal banking with a developmental focus on Agriculture and more. The company's operating segment includes Corporate Banking, Retail Banking, and Central Treasury. The majority of revenue is derived from the Retail Banking segment, which focuses on high-volume, standardized financial products and services such as loans and advances, deposits and other transactions with retail customers. Geographically, all revenues are generated in Ghana.
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