Agricultural Development BankXGHA:ADB 64 ROE % is 16.05% as of Mar. 2026, which is 314% above its 10-year median of 3.88. GuruFocus rates XGHA:ADB with a GF Score™ of 64/100 and a GF Value™ of GHS3.97 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Agricultural Development Bank ranks better than 93.24% on this metric.
The historical rank and industry rank for Agricultural Development Bank's ROE % or its related term are showing as below:
XGHA:ADB'
s ROE % Range Over the Past 10 Years
Min: -298.19 Med: 3.88 Max: 21.11
Current: 21.11
During the past 11 years, Agricultural Development Bank's highest ROE % was 21.11%. The lowest was -298.19%. And the median was 3.88%.
XGHA:ADB's ROE % is ranked better than 93.24% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs XGHA:ADB: 21.11
Agricultural Development Bank (XGHA:ADB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Agricultural Development Bank ROE % Related Terms
Agricultural Development Bank ROE % Historical Data
* 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.
For the Banks - Regional subindustry, Agricultural Development Bank's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Development Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Agricultural Development Bank's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Agricultural Development Bank (XGHA:ADB) has a ROE % of 16.05% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Agricultural Development Bank and its competitors. This is 314% above median its historical median of 3.88. According to the industry distribution chart, Agricultural Development Bank ranks #103 out of 1524 companies in the Banks industry, placing it in the top 6.8%.
Is Agricultural Development Bank's ROE % too high?
Agricultural Development Bank's current ROE % of 16.05% is 314% above median its 10-year median of 3.88. The Banks industry median ROE % is 10.22. Agricultural Development Bank's value of 16.05% is 57% above this industry median. Based on the distribution chart, Agricultural Development Bank ranks #103 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 % compare to PNC?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #103 out of 1524 companies for ROE %. This places Agricultural Development Bank in the top 7% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Agricultural Development Bank's value of 16.05% is 57% above this benchmark. While the company's 10-year median is 3.88 vs. the industry median of 10.22, Agricultural Development Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Agricultural Development Bank's current ROE % of 16.05% is 57% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Agricultural Development Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agricultural Development Bank's current ROE % is 16.05%, which is 314% above median its own 10-year median of 3.88. 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 GHS3.97, compared to a current price of GHS5.30 — trading 33.5% above its estimated fair value. The current ROE % is 16.05%, which is 314% above median its 10-year median of 3.88 and 57% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current ROE % is 16.05% 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 33.5% above its estimated GF Value™ of GHS3.97.
GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.
Key valuation signals for XGHA:ADB:
ROE %: 16.05% (314% above median its 10-year median of 3.88)
GF Value™: GHS3.97 vs. price of GHS5.30 (33.5% above fair value)
Industry Position: 57% above the Banks median (#103 of 1524)
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
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
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