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CAL BankXGHA:CAL +1.41%4 Net Cash per Share is GHS-2.30 as of Jun. 2026. GuruFocus rates XGHA:CAL with a GF Score™ of 4/100. The stock has 3 warning signs investors should review. Among 7 Banks companies, CAL Bank ranks worse than 14285700% on this metric.
The historical rank and industry rank for CAL Bank's Net Cash per Share or its related term are showing as below:
XGHA:CAL's Price-to-Net-Cash is not ranked *
in the Banks industry.
Industry Median: 1.81 * Ranked among companies with meaningful Price-to-Net-Cash only.
CAL Bank (XGHA:CAL) Net Cash per Share Explanation
Ben Graham invested in situations where the company's stock price was lower than its net-cash. He assigned some value to the company's other current asset. The value is called Net Current Asset Value (NCAV). One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
You can find companies that are traded below their Net Current Asset Value (NCAV) with our Net-Net screener.
CAL Bank Net Cash per Share Related Terms
CAL Bank Net Cash per Share Historical Data
* Premium members only.
The historical data trend for CAL Bank's Net Cash per Share 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, CAL Bank's Price-to-Net-Cash, along with its competitors' market caps and Price-to-Net-Cash 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 Price-to-Net-Cash vs Banks Industry
For the Banks industry and Financial Services sector, CAL Bank's Price-to-Net-Cash distribution charts can be found below:
* The bar in red indicates where CAL Bank's Price-to-Net-Cash falls into.
In the calculation of a company's Net Cash per Share, assets other than cash and short term investments are considered to be worth nothing. But the company has to pay its debt and other liabilities in full. This is an extremely conservative way of valuation. Most companies have negative Net Cash per Share. But sometimes a company's price may be lower than its net-cash.
CAL Bank's Net Cash per Share for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
CAL Bank (XGHA:CAL) has a Net Cash per Share of GHS-2.30 as of Jun. 2026. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on CAL Bank and its competitors. According to the industry distribution chart, CAL Bank ranks #999999 out of 7 companies in the Banks industry.
Is CAL Bank's Net Cash per Share too high?
CAL Bank's current Net Cash per Share is GHS-2.30. Based on the distribution chart, CAL Bank ranks #999999 out of 7 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Cash per Share compare to competitors?
According to the Banks industry distribution chart, CAL Bank ranks #999999 out of 7 companies for Net Cash per Share. This places CAL Bank in the lower half of its industry. The industry median Net Cash per Share is 1.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Cash per Share for a Banks company?
The median Net Cash per Share among Banks companies is 1.81, based on 7 companies in the industry. Companies in the top quartile (top 25%) have a Net Cash per Share significantly above this median, while those in the bottom quartile fall well below. However, Net Cash per Share 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 Net Cash per Share mean?
A high Net Cash per Share can signal that a stock is expensive relative to its fundamentals. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on CAL Bank and its competitors. For the Banks industry, the median Net Cash per Share is 1.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CAL Bank's current Net Cash per Share is GHS-2.30. 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 Net Cash per Share of GHS-2.30. The current Net Cash per Share is GHS-2.30. CAL Bank's overall GF Score™ is 4/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Cash per Share calculated?
Net Cash per Share is calculated from a company's financial statements. For CAL Bank (XGHA:CAL), the current Net Cash per Share is GHS-2.30 as of Jun. 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 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.
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