Republic Bank (Ghana)XGHA:RBGH 49 PB Ratio is 2.55 as of Jul. 13, 2026, which is 286% above its 10-year median of 0.66. GuruFocus rates XGHA:RBGH with a GF Score™ of 49/100 and a GF Value™ of GHS1.07 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,520 Banks companies, Republic Bank (Ghana) ranks worse than 93.42% on this metric.
The historical rank and industry rank for Republic Bank (Ghana)'s PB Ratio or its related term are showing as below:
XGHA:RBGH'
s PB Ratio Range Over the Past 10 Years
Min: 0.44 Med: 0.66 Max: 3.62
Current: 2.55
During the past 13 years, Republic Bank (Ghana)'s highest PB Ratio was 3.62. The lowest was 0.44. And the median was 0.66.
XGHA:RBGH's PB Ratio is ranked worse than 93.42% of 1520
companies
in the Banks industry
Industry Median: 1.1
vs XGHA:RBGH: 2.55
During the past 12 months, Republic Bank (Ghana)'s average Book Value Per Share Growth Rate was 26.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 23.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 15.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Republic Bank (Ghana) was 32.70% per year. The lowest was -5.60% per year. And the median was 13.55% per year.
Back to Basics: PB Ratio
Republic Bank (Ghana) (XGHA:RBGH) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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, Republic Bank (Ghana)'s PB Ratio, along with its competitors' market caps and PB Ratio 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.
Republic Bank (Ghana) PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bank (Ghana)'s PB Ratio distribution charts can be found below:
* The bar in red indicates where Republic Bank (Ghana)'s PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Republic Bank (Ghana) (XGHA:RBGH) has a PB Ratio of 2.55 as of Jul. 13, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Republic Bank (Ghana) and its competitors. This is 286% above median its historical median of 0.66. Over the past decade, Republic Bank (Ghana)'s PB Ratio has ranged from 0.44 to 3.62. According to the industry distribution chart, Republic Bank (Ghana) ranks #1420 out of 1520 companies in the Banks industry, placing it in the top 93.4%.
Is Republic Bank (Ghana)'s PB Ratio too high?
Republic Bank (Ghana)'s current PB Ratio of 2.55 is 286% above median its 10-year median of 0.66. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 3.62. The Banks industry median PB Ratio is 1.10. Republic Bank (Ghana)'s value of 2.55 is 131.8% above this industry median. Based on the distribution chart, Republic Bank (Ghana) ranks #1420 out of 1520 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Republic Bank (Ghana) has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s PB Ratio compare to PNC?
According to the Banks industry distribution chart, Republic Bank (Ghana) ranks #1420 out of 1520 companies for PB Ratio. This places Republic Bank (Ghana) in the lower half of its industry. The industry median PB Ratio is 1.10. Republic Bank (Ghana)'s value of 2.55 is 131.8% above this benchmark. Historically, Republic Bank (Ghana)'s own PB Ratio has ranged from 0.44 to 3.62 over the past decade. While the company's 10-year median is 0.66 vs. the industry median of 1.10, Republic Bank (Ghana) 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Republic Bank (Ghana)'s current PB Ratio of 2.55 is 131.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Republic Bank (Ghana) and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bank (Ghana)'s current PB Ratio is 2.55, which is 286% above median its own 10-year median of 0.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS3.93 — trading 267.3% above its estimated fair value. The current PB Ratio is 2.55, which is 286% above median its 10-year median of 0.66 and 131.8% above the Banks industry median of 1.10. Republic Bank (Ghana)'s overall GF Score™ is 49/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Republic Bank (Ghana) (XGHA:RBGH), the current PB Ratio is 2.55 as of Jul. 13, 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS3.93 is trading 267.3% above its estimated GF Value™ of GHS1.07.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
PB Ratio: 2.55 (286% above median its 10-year median of 0.66)
GF Value™: GHS1.07 vs. price of GHS3.93 (267.3% above fair value)
Industry Position: 131.8% above the Banks median (#1420 of 1520)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
49GF Score
Get the complete analysis for XGHA:RBGH
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