Republic Bank (Ghana) (XGHA:RBGH) ROE % Adjusted to Book Value: 31.36% (As of Dec. 2025)


XGHA:RBGH Republic Bank (Ghana) PLC XGHA:RBGH
49 GF Score
Price GHS3.93
GF Value GHS1.07
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Republic Bank (Ghana) ROE % Adjusted to Book Value?

Republic Bank (Ghana) XGHA:RBGH 49 ROE % Adjusted to Book Value is 31.36% as of Dec. 2025. 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.

Republic Bank (Ghana)'s ROE % for the quarter that ended in Dec. 2025 was 26.34%. Republic Bank (Ghana)'s PB Ratio for the quarter that ended in Dec. 2025 was 0.84. Republic Bank (Ghana)'s ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 31.36%.


Republic Bank (Ghana) ROE % Adjusted to Book Value Related Terms


Republic Bank (Ghana) ROE % Adjusted to Book Value Historical Data

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The historical data trend for Republic Bank (Ghana)'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.

Republic Bank (Ghana) ROE % Adjusted to Book Value Chart

Republic Bank (Ghana) 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 18.41 -13.65 37.39 39.98 28.07

Republic Bank (Ghana) 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 46.85 44.55 46.33 28.55 31.36

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

For the Banks - Regional subindustry, Republic Bank (Ghana)'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.


Republic Bank (Ghana) ROE % Adjusted to Book Value vs Banks Industry

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

* The bar in red indicates where Republic Bank (Ghana)'s ROE % Adjusted to Book Value falls into.


XGHA:RBGH
49GF Score
Republic Bank (Ghana) PLC XGHA:RBGH
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Republic Bank (Ghana) ROE % Adjusted to Book Value Calculation

Republic Bank (Ghana)'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
=23.58% / 0.84
=28.07%

Republic Bank (Ghana)'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
=26.34% / 0.84
=31.36%

* 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 31.36% mean?
Republic Bank (Ghana) (XGHA:RBGH) has a ROE % Adjusted to Book Value of 31.36% 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 Republic Bank (Ghana) and its competitors.
Is Republic Bank (Ghana)'s ROE % Adjusted to Book Value too high?
Republic Bank (Ghana)'s current ROE % Adjusted to Book Value is 31.36%. 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 ROE % Adjusted to Book Value compare to PNC?
Republic Bank (Ghana)'s ROE % Adjusted to Book Value of 31.36% 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 Republic Bank (Ghana) and its competitors. Republic Bank (Ghana)'s current ROE % Adjusted to Book Value is 31.36%. 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 ROE % Adjusted to Book Value is 31.36%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Republic Bank (Ghana) (XGHA:RBGH), the current ROE % Adjusted to Book Value is 31.36% 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 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:

  • ROE % Adjusted to Book Value: 31.36%
  • GF Value™: GHS1.07 vs. price of GHS3.93 (267.3% above fair value)
  • GF Score™: 49/100 with 1 warning sign

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) Business Description

Address No. 35, Sixth Avenue, North Ridge, P. O. Box CT 4603, Cantonments, Accra, GHA, 4603
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

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

GHS3.93
Price
GHS1.07
GF Value