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Agricultural Development Bank has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Agricultural Development Bank Ltd displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Agricultural Development Bank's interest coverage with the available data.
Agricultural Development Bank's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.98.
Altman Z-Score does not apply to banks and insurance companies.
Agricultural Development Bank (XGHA:ADB) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Agricultural Development Bank has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Agricultural Development Bank Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Agricultural Development Bank Ltd has enough cash to cover all of its debt. Its financial situation is stable.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Agricultural Development Bank (XGHA:ADB) has a Financial Strength of 2 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Agricultural Development Bank and its competitors. This is near median its historical median of 2.00. Over the past decade, Agricultural Development Bank's Financial Strength has ranged from 1.00 to 3.00.
Is Agricultural Development Bank's Financial Strength too high?
Agricultural Development Bank's current Financial Strength of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 3.00. Overall, Agricultural Development Bank has a GF Score™ of 13/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's Financial Strength compare to competitors?
Agricultural Development Bank's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, Agricultural Development Bank's own Financial Strength has ranged from 1.00 to 3.00 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 Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Agricultural Development Bank and its competitors. Agricultural Development Bank's current Financial Strength is 2, which is near median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agricultural Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agricultural Development Bank (XGHA:ADB) is currently considered Modestly Overvalued. The stock's GF Value™ is GHS4.28, compared to a current price of GHS5.30 — trading 23.8% above its estimated fair value. The current Financial Strength is 2, which is near median its 10-year median of 2.00. Agricultural Development Bank's overall GF Score™ is 13/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current Financial Strength is 2 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.
Is Agricultural Development Bank (XGHA:ADB) Overvalued in 2026?
Based on GuruFocus' analysis, Agricultural Development Bank stock appears to be overvalued.
The current stock price of GHS5.30 is trading 23.8% above its estimated GF Value™ of GHS4.28.
GuruFocus considers Agricultural Development Bank to be Modestly Overvalued.
Key valuation signals for XGHA:ADB:
Financial Strength: 2 (near median its 10-year median of 2.00)
GF Value™: GHS4.28 vs. price of GHS5.30 (23.8% above fair value)
No single metric tells the full story. See the XGHA:ADB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agricultural Development Bank Ltd is a universal bank offering a full range of banking products and services in Consumer, Corporate, Parastatals/Public Sector, SME, Agribusiness, Trade and E-Banking services. Its business focus is universal banking with a developmental focus on Agriculture and more. The company's operating segment includes Corporate Banking, Retail Banking, and Central Treasury. The majority of revenue is derived from the Retail Banking segment, which focuses on high-volume, standardized financial products and services such as loans and advances, deposits and other transactions with retail customers. Geographically, all revenues are generated in Ghana.
13GF Score
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