Agricultural Development Bank (XGHA:ADB) ROE % Adjusted to Book Value: 4.95% (As of Mar. 2026)


XGHA:ADB Agricultural Development Bank Ltd XGHA:ADB
64 GF Score
Price GHS5.30
GF Value GHS3.98
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Agricultural Development Bank ROE % Adjusted to Book Value?

Agricultural Development Bank XGHA:ADB 64 ROE % Adjusted to Book Value is 4.95% as of Mar. 2026. GuruFocus rates XGHA:ADB with a GF Score™ of 64/100 and a GF Value™ of GHS3.98 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Agricultural Development Bank's ROE % for the quarter that ended in Mar. 2026 was 16.05%. Agricultural Development Bank's PB Ratio for the quarter that ended in Mar. 2026 was 3.24. Agricultural Development Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 4.95%.


Agricultural Development Bank ROE % Adjusted to Book Value Related Terms


Agricultural Development Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Agricultural Development Bank's ROE % Adjusted to Book Value 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.

Agricultural Development Bank ROE % Adjusted to Book Value Chart

Agricultural Development Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.88 -17.42 0.00 0.91 5.79

Agricultural Development Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.38 8.18 2.52 4.99 4.95

XGHA:ADB vs PNC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Agricultural Development Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Agricultural Development Bank ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Agricultural Development Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Agricultural Development Bank's ROE % Adjusted to Book Value falls into.


XGHA:ADB
64GF Score
Agricultural Development Bank Ltd XGHA:ADB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Agricultural Development Bank ROE % Adjusted to Book Value Calculation

Agricultural Development Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=19.56% / 3.38
=5.79%

Agricultural Development Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=16.05% / 3.24
=4.95%

* 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.

What does a ROE % Adjusted to Book Value of 4.95% mean?
Agricultural Development Bank (XGHA:ADB) has a ROE % Adjusted to Book Value of 4.95% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Agricultural Development Bank and its competitors.
Is Agricultural Development Bank's ROE % Adjusted to Book Value too high?
Agricultural Development Bank's current ROE % Adjusted to Book Value is 4.95%. Overall, Agricultural Development Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's ROE % Adjusted to Book Value compare to PNC?
Agricultural Development Bank's ROE % Adjusted to Book Value of 4.95% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Agricultural Development Bank and its competitors. Agricultural Development Bank's current ROE % Adjusted to Book Value is 4.95%. 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 Significantly Overvalued. The stock's GF Value™ is GHS3.98, compared to a current price of GHS5.30 — trading 33.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 4.95%. Agricultural Development Bank's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current ROE % Adjusted to Book Value is 4.95% as of Mar. 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 33.2% above its estimated GF Value™ of GHS3.98. GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.

Key valuation signals for XGHA:ADB:

  • ROE % Adjusted to Book Value: 4.95%
  • GF Value™: GHS3.98 vs. price of GHS5.30 (33.2% above fair value)
  • GF Score™: 64/100 with 5 warning signs

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 Business Description

Address Accra Financial Centre, P.O. Box 4191, Ridge-Accra, 3rd Ambassadorial Development Area, Accra, GHA
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.
64GF Score

Get the complete analysis for XGHA:ADB

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS5.30
Price
GHS3.98
GF Value