Agricultural Development BankXGHA:ADB 64 EV-to-FCF is 0.02 as of Jul. 03, 2026, which is 98% below its 10-year median of 1.23. GuruFocus rates XGHA:ADB with a GF Score™ of 64/100 and a GF Value™ of GHS3.98 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,193 Banks companies, Agricultural Development Bank ranks better than 84.49% on this metric.
The historical rank and industry rank for Agricultural Development Bank's EV-to-FCF or its related term are showing as below:
XGHA:ADB'
s EV-to-FCF Range Over the Past 10 Years
Min: -4.55 Med: 1.23 Max: 293.84
Current: 0.02
During the past 11 years, the highest EV-to-FCF of Agricultural Development Bank was 293.84. The lowest was -4.55. And the median was 1.23.
XGHA:ADB's EV-to-FCF is ranked better than 84.49% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs XGHA:ADB: 0.02
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Agricultural Development Bank (XGHA:ADB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Agricultural Development Bank's PE Ratio (TTM) for today is calculated as:
Agricultural Development Bank's share price for today is GHS5.30.
Agricultural Development Bank's Earnings per Share (Diluted) 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 GHS0.181.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Agricultural Development Bank EV-to-FCF Related Terms
Agricultural Development Bank EV-to-FCF 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.
For the Banks - Regional subindustry, Agricultural Development Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Development Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Agricultural Development Bank's EV-to-FCF falls into.
Agricultural Development Bank's current Enterprise Value is GHS84 Mil.
Agricultural Development Bank's Free Cash Flow 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 GHS4,721 Mil.
* 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 EV-to-FCF of 0.02 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Agricultural Development Bank and its competitors. This is 98% below median its historical median of 1.23. According to the industry distribution chart, Agricultural Development Bank ranks #185 out of 1193 companies in the Banks industry, placing it in the top 15.5%.
Is Agricultural Development Bank's EV-to-FCF too high?
Agricultural Development Bank's current EV-to-FCF of 0.02 is 98% below median its 10-year median of 1.23. The Banks industry median EV-to-FCF is 6.61. Agricultural Development Bank's value of 0.02 is 99.7% below this industry median. Based on the distribution chart, Agricultural Development Bank ranks #185 out of 1193 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 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's EV-to-FCF compare to PNC?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #185 out of 1193 companies for EV-to-FCF. This places Agricultural Development Bank in the top 16% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.61. Agricultural Development Bank's value of 0.02 is 99.7% below this benchmark. While the company's 10-year median is 1.23 vs. the industry median of 6.61, Agricultural Development Bank has consistently been below 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Agricultural Development Bank's current EV-to-FCF of 0.02 is 99.7% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Agricultural Development Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agricultural Development Bank's current EV-to-FCF is 0.02, which is 98% below median its own 10-year median of 1.23. 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 GHS3.98, compared to a current price of GHS5.30 — trading 33.2% above its estimated fair value. The current EV-to-FCF is 0.02, which is 98% below median its 10-year median of 1.23 and 99.7% below the Banks industry median of 6.61. Agricultural Development Bank's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current EV-to-FCF is 0.02 as of Jul. 03, 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 33.2% above its estimated GF Value™ of GHS3.98.
GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.
Key valuation signals for XGHA:ADB:
EV-to-FCF: 0.02 (98% below median its 10-year median of 1.23)
GF Value™: GHS3.98 vs. price of GHS5.30 (33.2% above fair value)
Industry Position: 99.7% below the Banks median (#185 of 1193)
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 Business Description
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.
64GF Score
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