CAL Bank (XGHA:CAL) ROE % Adjusted to Book Value: 15.09% (As of Mar. 2026)


What is CAL Bank ROE % Adjusted to Book Value?

CAL Bank XGHA:CAL ROE % Adjusted to Book Value is 15.09% as of Mar. 2026. The stock has 1 warning sign investors should review.

CAL Bank's ROE % for the quarter that ended in Mar. 2026 was 26.11%. CAL Bank's PB Ratio for the quarter that ended in Mar. 2026 was 1.73. CAL Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 15.09%.

CAL Bank ROE % Adjusted to Book Value Related Terms

CAL Bank ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for CAL 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.

CAL Bank ROE % Adjusted to Book Value Chart

CAL 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 43.86 -115.71 0.00 276.86 19.23

CAL 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 17.57 104.65 28.02 18.24 15.09

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

For the Banks - Regional subindustry, CAL 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.

CAL Bank ROE % Adjusted to Book Value vs Banks Industry

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

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


CAL Bank ROE % Adjusted to Book Value Calculation

CAL 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
=32.88% / 1.71
=19.23%

CAL 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
=26.11% / 1.73
=15.09%

* 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 15.09% mean?
CAL Bank (XGHA:CAL) has a ROE % Adjusted to Book Value of 15.09% 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 CAL Bank and its competitors.
Is CAL Bank's ROE % Adjusted to Book Value too high?
CAL Bank's current ROE % Adjusted to Book Value is 15.09%.
How does CAL Bank's ROE % Adjusted to Book Value compare to PNC?
CAL Bank's ROE % Adjusted to Book Value of 15.09% 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 CAL Bank and its competitors. CAL Bank's current ROE % Adjusted to Book Value is 15.09%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current ROE % Adjusted to Book Value of 15.09%. The current ROE % Adjusted to Book Value is 15.09%. 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 CAL Bank (XGHA:CAL), the current ROE % Adjusted to Book Value is 15.09% 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.

CAL Bank Business Description

Address 23 Independence Avenue, P.O. Box 14596, Accra, GHA
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.