EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, GCB Bank's Enterprise Value is GHS-880 Mil.
GCB Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was GHS2,758 Mil. Therefore, GCB Bank's EV-to-FCF for today is -0.32.
The historical rank and industry rank for GCB Bank's EV-to-FCF or its related term are showing as below:
XGHA:GCB'
s EV-to-FCF Range Over the Past 10 Years
Min: -46.53 Med: -0.71 Max: 5.4
Current: -0.32
During the past 13 years, the highest EV-to-FCF of GCB Bank was 5.40. The lowest was -46.53. And the median was -0.71.
XGHA:GCB's EV-to-FCF is ranked better than 86.45% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs XGHA:GCB: -0.32
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.
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.
GCB Bank's share price for today is GHS40.00.
GCB Bank's Earnings per Share (Diluted) 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 GHS7.776.
* 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.
GCB Bank EV-to-FCF Related Terms
GCB Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for GCB Bank's EV-to-FCF 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 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.
GCB Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, GCB Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where GCB Bank's EV-to-FCF falls into.
GCB Bank's current Enterprise Value is GHS-880 Mil.
GCB Bank's Free Cash Flow 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 GHS2,758 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.
GCB Bank (XGHA:GCB) has a EV-to-FCF of -0.32 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on GCB Bank and its competitors. According to the industry distribution chart, GCB Bank ranks #162 out of 1196 companies in the Banks industry, placing it in the top 13.5%.
Is GCB Bank's EV-to-FCF too high?
GCB Bank's current EV-to-FCF is -0.32. Based on the distribution chart, GCB Bank ranks #162 out of 1196 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, GCB Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GCB Bank's EV-to-FCF compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #162 out of 1196 companies for EV-to-FCF. This places GCB Bank in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.55. 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 6.55, based on 1,196 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. 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 GCB Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GCB Bank's current EV-to-FCF is -0.32. 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 GHS10.18, compared to a current price of GHS40.00 — trading 292.9% above its estimated fair value. The current EV-to-FCF is -0.32. GCB Bank's overall GF Score™ is 70/100 with 3 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 GCB Bank (XGHA:GCB), the current EV-to-FCF is -0.32 as of Jun. 30, 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 GCB Bank (XGHA:GCB) Overvalued in 2026?
Based on GuruFocus' analysis, GCB Bank stock appears to be overvalued.
The current stock price of GHS40.00 is trading 292.9% above its estimated GF Value™ of GHS10.18.
GuruFocus considers GCB Bank to be Significantly Overvalued.
Key valuation signals for XGHA:GCB:
EV-to-FCF: -0.32
GF Value™: GHS10.18 vs. price of GHS40.00 (292.9% above fair value)
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.
70GF Score
Get the complete analysis for XGHA:GCB
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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