The historical rank and industry rank for GCB Bank's OCF Margin % or its related term are showing as below:
XGHA:GCB'
s OCF Margin % Range Over the Past 10 Years
Min: 3.26 Med: 77.84 Max: 307.89
Current: 47.62
During the past 13 years, the highest OCF Margin % of GCB Bank was 307.89%. The lowest was 3.26%. And the median was 77.84%.
XGHA:GCB's OCF Margin % is ranked better than 71.8% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs XGHA:GCB: 47.62
GCB Bank OCF Margin % Related Terms
GCB Bank OCF Margin % Historical Data
* Premium members only.
The historical data trend for GCB Bank's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GCB Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where GCB Bank's OCF 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 OCF Margin % of -21.30% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on GCB Bank and its competitors. Over the past decade, GCB Bank's OCF Margin % has ranged from 3.26 to 307.89. According to the industry distribution chart, GCB Bank ranks #423 out of 1500 companies in the Banks industry, placing it in the top 28.2%.
Is GCB Bank's OCF Margin % too high?
GCB Bank's current OCF Margin % is -21.30%. Over the past 10 years, this metric has ranged from a low of 3.26 to a high of 307.89. Based on the distribution chart, GCB Bank ranks #423 out of 1500 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 OCF Margin % compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #423 out of 1500 companies for OCF Margin %. This puts GCB Bank in the upper half of its industry. The industry median OCF Margin % is 29.44. Historically, GCB Bank's own OCF Margin % has ranged from 3.26 to 307.89 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on GCB Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GCB Bank's current OCF Margin % is -21.30%. 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 GHS10.17, compared to a current price of GHS39.00 — trading 283.5% above its estimated fair value. The current OCF Margin % is -21.30%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current OCF Margin % is -21.30% 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 283.5% above its estimated GF Value™ of GHS10.17.
GuruFocus considers GCB Bank to be Significantly Overvalued.
Key valuation signals for XGHA:GCB:
OCF Margin %: -21.30%
GF Value™: GHS10.17 vs. price of GHS39.00 (283.5% above fair value)
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
Get the complete analysis for XGHA:GCB
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XGHA:GCB has been successfully added to your 
