GCB BankXGHA:GCB +4.25%70 Net Margin % is 38.76% as of Dec. 2025, which is 47% above its 10-year median of 26.31. GuruFocus rates XGHA:GCB with a GF Score™ of 70/100 and a GF Value™ of GHS10.18 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, GCB Bank ranks better than 69.27% on this metric.
Net margin is calculated as Net Income divided by its Revenue. GCB Bank's Net Income for the
three
months ended in Dec. 2025 was GHS763 Mil. GCB Bank's Revenue for the
three
months ended in Dec. 2025 was GHS1,969 Mil. Therefore, GCB Bank's net margin for the quarter that ended in Dec. 2025 was 38.76%.
The historical rank and industry rank for GCB Bank's Net Margin % or its related term are showing as below:
XGHA:GCB'
s Net Margin % Range Over the Past 10 Years
Min: -50.54 Med: 26.31 Max: 32.63
Current: 32.63
XGHA:GCB's Net Margin % is ranked better than 69.27% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs XGHA:GCB: 32.63
GCB Bank (XGHA:GCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
GCB Bank Net Margin % Related Terms
GCB Bank Net Margin % Historical Data
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The historical data trend for GCB Bank's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GCB Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where GCB Bank's Net Margin % falls into.
* 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 Net Margin % of 38.76% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on GCB Bank and its competitors. This is 47% above median its historical median of 26.31. According to the industry distribution chart, GCB Bank ranks #469 out of 1526 companies in the Banks industry, placing it in the top 30.7%.
Is GCB Bank's Net Margin % too high?
GCB Bank's current Net Margin % of 38.76% is 47% above median its 10-year median of 26.31. The Banks industry median Net Margin % is 26.97. GCB Bank's value of 38.76% is 43.7% above this industry median. Based on the distribution chart, GCB Bank ranks #469 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #469 out of 1526 companies for Net Margin %. This puts GCB Bank in the upper half of its industry. The industry median Net Margin % is 26.97. GCB Bank's value of 38.76% is 43.7% above this benchmark. While the company's 10-year median is 26.31 vs. the industry median of 26.97, GCB 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GCB Bank's current Net Margin % of 38.76% is 43.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on GCB Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GCB Bank's current Net Margin % is 38.76%, which is 47% above median its own 10-year median of 26.31. 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 GHS39.00 — trading 283.1% above its estimated fair value. The current Net Margin % is 38.76%, which is 47% above median its 10-year median of 26.31 and 43.7% above the Banks industry median of 26.97. GCB Bank's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current Net Margin % is 38.76% as of Dec. 2025. 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 GHS39.00 is trading 283.1% above its estimated GF Value™ of GHS10.18.
GuruFocus considers GCB Bank to be Significantly Overvalued.
Key valuation signals for XGHA:GCB:
Net Margin %: 38.76% (47% above median its 10-year median of 26.31)
GF Value™: GHS10.18 vs. price of GHS39.00 (283.1% above fair value)
Industry Position: 43.7% above the Banks median (#469 of 1526)
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
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