Agricultural Development Bank (XGHA:ADB) FCF Yield %: 53.90 (As of Jun. 29, 2026) — 148% Above Median


XGHA:ADB Agricultural Development Bank Ltd XGHA:ADB
64 GF Score
Price GHS5.30
GF Value GHS3.97
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Agricultural Development Bank FCF Yield %?

Agricultural Development Bank XGHA:ADB 64 FCF Yield % is 53.90 as of Jun. 29, 2026, which is 148% above its 10-year median of 21.75. GuruFocus rates XGHA:ADB with a GF Score™ of 64/100 and a GF Value™ of GHS3.97 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,507 Banks companies, Agricultural Development Bank ranks better than 88.32% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Agricultural Development Bank's Trailing 12-Month Free Cash Flow is GHS4,721 Mil, and Market Cap is GHS8,759 Mil. Therefore, Agricultural Development Bank's FCF Yield % for today is 53.90%.

The historical rank and industry rank for Agricultural Development Bank's FCF Yield % or its related term are showing as below:

XGHA:ADB' s FCF Yield % Range Over the Past 10 Years
Min: -26.61   Med: 21.75   Max: 169.2
Current: 53.9


During the past 11 years, the highest FCF Yield % of Agricultural Development Bank was 169.20%. The lowest was -26.61%. And the median was 21.75%.

XGHA:ADB's FCF Yield % is ranked better than
88.32% of 1507 companies
in the Banks industry
Industry Median: 8.14 vs XGHA:ADB: 53.90

Agricultural Development Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 541.23%.


Agricultural Development Bank FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Agricultural Development Bank FCF Yield % Related Terms


Agricultural Development Bank FCF Yield % Historical Data

* Premium members only.

The historical data trend for Agricultural Development Bank's FCF Yield % 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.

Agricultural Development Bank FCF Yield % Chart

Agricultural Development Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.72 0.08 117.06 44.98 34.03

Agricultural Development Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Yield % 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 7.44 19.61 42.64 66.44 97.12

XGHA:ADB vs PNC: FCF Yield % Comparison

For the Banks - Regional subindustry, Agricultural Development Bank's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Agricultural Development Bank's FCF Yield % distribution charts can be found below:

* The bar in red indicates where Agricultural Development Bank's FCF Yield % falls into.


XGHA:ADB
64GF Score
Agricultural Development Bank Ltd XGHA:ADB
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Agricultural Development Bank FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Agricultural Development Bank's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=2845.796 / 8362.24708
=34.03%

Agricultural Development Bank's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=2030.395 * 4 / 8362.24708
=97.12%

* 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 FCF Yield % →
What does a FCF Yield % of 53.90 mean?
Agricultural Development Bank (XGHA:ADB) has a FCF Yield % of 53.90 as of Jun. 29, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Agricultural Development Bank and its competitors. This is 148% above median its historical median of 21.75. According to the industry distribution chart, Agricultural Development Bank ranks #176 out of 1507 companies in the Banks industry, placing it in the top 11.7%.
Is Agricultural Development Bank's FCF Yield % too high?
Agricultural Development Bank's current FCF Yield % of 53.90 is 148% above median its 10-year median of 21.75. The Banks industry median FCF Yield % is 8.14. Agricultural Development Bank's value of 53.90 is 562.2% above this industry median. Based on the distribution chart, Agricultural Development Bank ranks #176 out of 1507 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 FCF Yield % compare to PNC?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #176 out of 1507 companies for FCF Yield %. This places Agricultural Development Bank in the top 12% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.14. Agricultural Development Bank's value of 53.90 is 562.2% above this benchmark. While the company's 10-year median is 21.75 vs. the industry median of 8.14, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Agricultural Development Bank's current FCF Yield % of 53.90 is 562.2% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Agricultural Development Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agricultural Development Bank's current FCF Yield % is 53.90, which is 148% above median its own 10-year median of 21.75. 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 GHS3.97, compared to a current price of GHS5.30 — trading 33.5% above its estimated fair value. The current FCF Yield % is 53.90, which is 148% above median its 10-year median of 21.75 and 562.2% above the Banks industry median of 8.14. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current FCF Yield % is 53.90 as of Jun. 29, 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 33.5% above its estimated GF Value™ of GHS3.97. GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.

Key valuation signals for XGHA:ADB:

  • FCF Yield %: 53.90 (148% above median its 10-year median of 21.75)
  • GF Value™: GHS3.97 vs. price of GHS5.30 (33.5% above fair value)
  • GF Score™: 64/100 with 5 warning signs
  • Industry Position: 562.2% above the Banks median (#176 of 1507)

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

Address Accra Financial Centre, P.O. Box 4191, Ridge-Accra, 3rd Ambassadorial Development Area, Accra, GHA
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

Get the complete analysis for XGHA:ADB

FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS5.30
Price
GHS3.97
GF Value