GCB Bank (XGHA:GCB) Scaled Net Operating Assets: -0.10 (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
View Full Analysis

What is GCB Bank Scaled Net Operating Assets?

GCB Bank XGHA:GCB 70 Scaled Net Operating Assets is -0.10 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

GCB Bank's operating assets for the quarter that ended in Dec. 2025 was GHS37,833 Mil. GCB Bank's operating liabilities for the quarter that ended in Dec. 2025 was GHS42,818 Mil. GCB Bank's Total Assets for the quarter that ended in Sep. 2025 was GHS50,230 Mil. Therefore, GCB Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.10.

XGHA:GCB
70GF Score
GCB Bank Ltd XGHA:GCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

GCB Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

GCB Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(37832.645-42817.758)/42796.072
=-0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=52633.491 - 14800.846
=37832.645

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=46403.361 - 3585.603 - 0
=42817.758

GCB Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(37832.645-42817.758)/50229.864
=-0.10

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=52633.491 - 14800.846
=37832.645

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=46403.361 - 3585.603 - 0
=42817.758

* 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 Scaled Net Operating Assets of -0.10 mean?
GCB Bank (XGHA:GCB) has a Scaled Net Operating Assets of -0.10 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on GCB Bank and its competitors.
Is GCB Bank's Scaled Net Operating Assets too high?
GCB Bank's current Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets compare to PNC?
GCB Bank's Scaled Net Operating Assets of -0.10 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on GCB Bank and its competitors. GCB Bank's current Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current Scaled Net Operating Assets is -0.10 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:

  • Scaled Net Operating Assets: -0.10
  • 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

Get the complete analysis for XGHA:GCB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS39.00
Price
GHS10.18
GF Value