Agricultural Development Bank (XGHA:ADB) 3-Year RORE % : -157.36% (As of Mar. 2026)


XGHA:ADB Agricultural Development Bank Ltd XGHA:ADB
24 GF Score
Price GHS5.30
GF Value GHS3.99
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Agricultural Development Bank 3-Year RORE %?

Agricultural Development Bank XGHA:ADB 24 3-Year RORE % is -157.36 as of Mar. 2026. GuruFocus rates XGHA:ADB with a GF Score™ of 24/100 and a GF Value™ of GHS3.99 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,475 Banks companies, Agricultural Development Bank ranks worse than 98.58% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Agricultural Development Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was -157.36%.

The industry rank for Agricultural Development Bank's 3-Year RORE % or its related term are showing as below:

XGHA:ADB's 3-Year RORE % is ranked worse than
98.58% of 1475 companies
in the Banks industry
Industry Median: 9.92 vs XGHA:ADB: -157.36

Agricultural Development Bank  (XGHA:ADB) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Agricultural Development Bank 3-Year RORE % Related Terms


Agricultural Development Bank 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Agricultural Development Bank's 3-Year RORE % 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 3-Year RORE % Chart

Agricultural Development Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 46.15 235.27 86.31 -35.85 -159.65

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
3-Year RORE % 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 -34.49 -39.49 -45.00 -159.65 -157.36

XGHA:ADB vs PNC: 3-Year RORE % Comparison

For the Banks - Regional subindustry, Agricultural Development Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Agricultural Development Bank's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Agricultural Development Bank's 3-Year RORE % falls into.


XGHA:ADB
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Agricultural Development Bank Ltd XGHA:ADB
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Agricultural Development Bank 3-Year RORE % Calculation

Agricultural Development Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.181--0.941 )/( -0.713-0 )
=1.122/-0.713
=-157.36 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -157.36 mean?
Agricultural Development Bank (XGHA:ADB) has a 3-Year RORE % of -157.36 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Agricultural Development Bank and its competitors. According to the industry distribution chart, Agricultural Development Bank ranks #1454 out of 1475 companies in the Banks industry, placing it in the top 98.6%.
Is Agricultural Development Bank's 3-Year RORE % too high?
Agricultural Development Bank's current 3-Year RORE % is -157.36. Based on the distribution chart, Agricultural Development Bank ranks #1454 out of 1475 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Agricultural Development Bank has a GF Score™ of 24/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #1454 out of 1475 companies for 3-Year RORE %. This places Agricultural Development Bank in the lower half of its industry. The industry median 3-Year RORE % is 9.92. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Agricultural Development Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agricultural Development Bank's current 3-Year RORE % is -157.36. 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 GHS3.99, compared to a current price of GHS5.30 — trading 32.8% above its estimated fair value. The current 3-Year RORE % is -157.36. Agricultural Development Bank's overall GF Score™ is 24/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current 3-Year RORE % is -157.36 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 32.8% above its estimated GF Value™ of GHS3.99. GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.

Key valuation signals for XGHA:ADB:

  • 3-Year RORE %: -157.36
  • GF Value™: GHS3.99 vs. price of GHS5.30 (32.8% above fair value)
  • GF Score™: 24/100 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.
24GF Score

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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS5.30
Price
GHS3.99
GF Value