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 -0.21%57 Equity-to-Asset is 0.12 as of Dec. 2025, which is 8% below its 10-year median of 0.13. GuruFocus rates XGHA:GCB with a GF Score™ of 57/100 and a GF Value™ of GHS10.38 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, GCB Bank ranks better than 71.96% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. GCB Bank's Total Stockholders Equity for the quarter that ended in Dec. 2025 was GHS6,230 Mil. GCB Bank's Total Assets for the quarter that ended in Dec. 2025 was GHS52,633 Mil.
Therefore, GCB Bank's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.12.
The historical rank and industry rank for GCB Bank's Equity-to-Asset or its related term are showing as below:
XGHA:GCB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.13 Max: 0.17
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of GCB Bank was 0.17. The lowest was 0.09. And the median was 0.13.
XGHA:GCB's Equity-to-Asset is ranked better than 71.96% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs XGHA:GCB: 0.12
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%.
GCB Bank Equity-to-Asset Related Terms
GCB Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for GCB Bank's Equity-to-Asset 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 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.
GCB Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, GCB Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where GCB Bank's Equity-to-Asset falls into.
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.
GCB Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on GCB Bank and its competitors. This is near median its historical median of 0.13. Over the past decade, GCB Bank's Equity-to-Asset has ranged from 0.09 to 0.17. According to the industry distribution chart, GCB Bank ranks #427 out of 1523 companies in the Banks industry, placing it in the top 28%.
Is GCB Bank's Equity-to-Asset too high?
GCB Bank's current Equity-to-Asset of 0.12 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.17. The Banks industry median Equity-to-Asset is 0.10. GCB Bank's value of 0.12 is 20% above this industry median. Based on the distribution chart, GCB Bank ranks #427 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, GCB Bank has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GCB Bank's Equity-to-Asset compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #427 out of 1523 companies for Equity-to-Asset. This puts GCB Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. GCB Bank's value of 0.12 is 20% above this benchmark. Historically, GCB Bank's own Equity-to-Asset has ranged from 0.09 to 0.17 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, GCB 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 1,523 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. GCB Bank's current Equity-to-Asset of 0.12 is 20% 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 GCB 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. GCB Bank's current Equity-to-Asset is 0.12, which is near median its own 10-year median of 0.13. 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 GHS10.38, compared to a current price of GHS42.95 — trading 313.8% above its estimated fair value. The current Equity-to-Asset is 0.12, which is near median its 10-year median of 0.13 and 20% above the Banks industry median of 0.10. GCB Bank's overall GF Score™ is 57/100 with 3 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 GCB Bank (XGHA:GCB), the current Equity-to-Asset is 0.12 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 GHS42.95 is trading 313.8% above its estimated GF Value™ of GHS10.38.
GuruFocus considers GCB Bank to be Significantly Overvalued.
Key valuation signals for XGHA:GCB:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.13)
GF Value™: GHS10.38 vs. price of GHS42.95 (313.8% above fair value)
Industry Position: 20% above the Banks median (#427 of 1523)
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.
57GF Score
Get the complete analysis for XGHA:GCB
Equity-to-Asset 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 
