GCB Bank (XGHA:GCB) ROE % Adjusted to Book Value: 59.69% (As of Dec. 2025)


XGHA:GCB GCB Bank Ltd XGHA:GCB
70 GF Score
Price GHS39.00
GF Value GHS10.18
Valuation Significantly Overvalued
! 3 Warning Signs
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What is GCB Bank ROE % Adjusted to Book Value?

GCB Bank XGHA:GCB 70 ROE % Adjusted to Book Value is 59.69% as of Dec. 2025. GuruFocus rates XGHA:GCB with a GF Score™ of 70/100 and a GF Value™ of GHS10.18 (Significantly Overvalued). The stock has 3 warning signs investors should review.

GCB Bank's ROE % for the quarter that ended in Dec. 2025 was 51.33%. GCB Bank's PB Ratio for the quarter that ended in Dec. 2025 was 0.86. GCB Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 59.69%.

GCB Bank ROE % Adjusted to Book Value Related Terms

GCB Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for GCB 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.

GCB Bank ROE % Adjusted to Book Value Chart

GCB 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 45.94 -48.60 137.10 82.97 45.33

GCB Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 154.33 74.45 79.45 51.15 59.69

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

For the Banks - Regional subindustry, GCB 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.

GCB Bank ROE % Adjusted to Book Value vs Banks Industry

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

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


XGHA:GCB
70GF Score
GCB Bank Ltd XGHA:GCB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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GCB Bank ROE % Adjusted to Book Value Calculation

GCB 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
=38.98% / 0.86
=45.33%

GCB Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=51.33% / 0.86
=59.69%

* 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 59.69% mean?
GCB Bank (XGHA:GCB) has a ROE % Adjusted to Book Value of 59.69% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on GCB Bank and its competitors.
Is GCB Bank's ROE % Adjusted to Book Value too high?
GCB Bank's current ROE % Adjusted to Book Value is 59.69%. 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 ROE % Adjusted to Book Value compare to PNC?
GCB Bank's ROE % Adjusted to Book Value of 59.69% 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 GCB Bank and its competitors. GCB Bank's current ROE % Adjusted to Book Value is 59.69%. 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 GHS10.18, compared to a current price of GHS39.00 — trading 283.1% above its estimated fair value. The current ROE % Adjusted to Book Value is 59.69%. GCB Bank's overall GF Score™ is 70/100 with 3 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 GCB Bank (XGHA:GCB), the current ROE % Adjusted to Book Value is 59.69% 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 283.1% above its estimated GF Value™ of GHS10.18. GuruFocus considers GCB Bank to be Significantly Overvalued.

Key valuation signals for XGHA:GCB:

  • ROE % Adjusted to Book Value: 59.69%
  • GF Value™: GHS10.18 vs. price of GHS39.00 (283.1% above fair value)
  • GF Score™: 70/100 with 3 warning signs

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 Business Description

Address Thorpe Road, High Street, P.O. Box 134, GCB Bank Building, Accra, GHA
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

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

GHS39.00
Price
GHS10.18
GF Value