Agricultural Development Bank has the GF Score of 24, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Agricultural Development Bank
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Agricultural Development Bank (XGHA:ADB) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Agricultural Development Bank GF Score Related Terms
XGHA:ADB vs PNC: GF Score Comparison
For the Banks - Regional subindustry, Agricultural Development Bank's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Development Bank's GF Score distribution charts can be found below:
* The bar in red indicates where Agricultural Development Bank's GF Score falls into.
Agricultural Development Bank (XGHA:ADB) has a GF Score of 24 as of Jul. 05, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Agricultural Development Bank and its competitors. This is 17% below median its historical median of 29.00. Over the past decade, Agricultural Development Bank's GF Score has ranged from 8.00 to 64.00.
Is Agricultural Development Bank's GF Score too high?
Agricultural Development Bank's current GF Score of 24 is 17% below median its 10-year median of 29.00. Over the past 10 years, this metric has ranged from a low of 8.00 to a high of 64.00. Overall, Agricultural Development Bank has a GF Score™ of 24/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's GF Score compare to PNC?
Agricultural Development Bank's GF Score of 24 can be compared against companies in the Banks industry. Historically, Agricultural Development Bank's own GF Score has ranged from 8.00 to 64.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Agricultural Development Bank and its competitors. Agricultural Development Bank's current GF Score is 24, which is 17% below median its own 10-year median of 29.00. 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 GF Score is 24, which is 17% below median its 10-year median of 29.00. Agricultural Development Bank's overall GF Score™ is 24/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current GF Score is 24 as of Jul. 05, 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:
GF Score: 24 (17% below median its 10-year median of 29.00)
GF Value™: GHS3.98 vs. price of GHS5.30 (33.2% above fair value)
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.
24GF Score
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