CAL Bank (XGHA:CAL) GF Score: 4/100 (As of Jul. 18, 2026) — 93% Below Median

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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.

XGHA:CAL CAL Bank Ltd XGHA:CAL
4 GF Score
Price GHS0.80
! 5 Warning Signs
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What is CAL Bank GF Score?

CAL Bank XGHA:CAL 4 GF Score is 4 as of Jul. 18, 2026, which is 93% below its 10-year median of 57.00. GuruFocus rates XGHA:CAL with a GF Score™ of 4/100. The stock has 5 warning signs investors should review.

CAL Bank has the GF Score of 4, 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:

1. Financial Strength : 1/10
2. Profitability Rank : 3/10
3. Growth Rank : 0/10
4. GF Value Rank : 8/10
5. Momentum Rank : 0/10

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 CAL 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.

CAL Bank  (XGHA:CAL) 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)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

CAL Bank GF Score Related Terms

XGHA:CAL vs PNC: GF Score Comparison

For the Banks - Regional subindustry, CAL 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.

CAL Bank GF Score vs Banks Industry

For the Banks industry and Financial Services sector, CAL Bank's GF Score distribution charts can be found below:

* The bar in red indicates where CAL Bank's GF Score falls into.


XGHA:CAL
4GF Score
CAL Bank Ltd XGHA:CAL
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 4 mean?
CAL Bank (XGHA:CAL) has a GF Score of 4 as of Jul. 18, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on CAL Bank and its competitors. This is 93% below median its historical median of 57.00. Over the past decade, CAL Bank's GF Score has ranged from 1.00 to 100.00.
Is CAL Bank's GF Score too high?
CAL Bank's current GF Score of 4 is 93% below median its 10-year median of 57.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 100.00. Overall, CAL Bank has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does CAL Bank's GF Score compare to PNC?
CAL Bank's GF Score of 4 can be compared against companies in the Banks industry. Historically, CAL Bank's own GF Score has ranged from 1.00 to 100.00 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 CAL Bank and its competitors. CAL Bank's current GF Score is 4, which is 93% below median its own 10-year median of 57.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current GF Score of 4. The current GF Score is 4, which is 93% below median its 10-year median of 57.00. CAL Bank's overall GF Score™ is 4/100 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 CAL Bank (XGHA:CAL), the current GF Score is 4 as of Jul. 18, 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.

CAL Bank Business Description

Address 23 Independence Avenue, P.O. Box 14596, Accra, GHA
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.
4GF Score

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