Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
GCB BankXGHA:GCB 61 5-Year Yield-on-Cost % is 2.35 as of Jul. 14, 2026, which is 55% below its 10-year median of 5.19. GuruFocus rates XGHA:GCB with a GF Score™ of 61/100 and a GF Value™ of GHS10.68 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,257 Banks companies, GCB Bank ranks worse than 77.09% on this metric.
GCB Bank's yield on cost for the quarter that ended in Dec. 2025 was 2.35.
The historical rank and industry rank for GCB Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
XGHA:GCB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.87 Med: 5.19 Max: 15.87
Current: 2.35
During the past 13 years, GCB Bank's highest Yield on Cost was 15.87. The lowest was 1.87. And the median was 5.19.
XGHA:GCB's 5-Year Yield-on-Cost % is ranked worse than 77.09% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs XGHA:GCB: 2.35
GCB Bank (XGHA:GCB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
GCB Bank 5-Year Yield-on-Cost % Related Terms
XGHA:GCB vs PNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, GCB Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, GCB Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where GCB Bank's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of GCB Bank is calculated as
GCB Bank (XGHA:GCB) has a 5-Year Yield-on-Cost % of 2.35 as of Jul. 14, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on GCB Bank and its competitors. This is 55% below median its historical median of 5.19. Over the past decade, GCB Bank's 5-Year Yield-on-Cost % has ranged from 1.87 to 15.87. According to the industry distribution chart, GCB Bank ranks #969 out of 1257 companies in the Banks industry, placing it in the top 77.1%.
Is GCB Bank's 5-Year Yield-on-Cost % too high?
GCB Bank's current 5-Year Yield-on-Cost % of 2.35 is 55% below median its 10-year median of 5.19. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 15.87. The Banks industry median 5-Year Yield-on-Cost % is 3.89. GCB Bank's value of 2.35 is 39.6% below this industry median. Based on the distribution chart, GCB Bank ranks #969 out of 1257 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, GCB Bank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GCB Bank's 5-Year Yield-on-Cost % compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #969 out of 1257 companies for 5-Year Yield-on-Cost %. This places GCB Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. GCB Bank's value of 2.35 is 39.6% below this benchmark. Historically, GCB Bank's own 5-Year Yield-on-Cost % has ranged from 1.87 to 15.87 over the past decade. While the company's 10-year median is 5.19 vs. the industry median of 3.89, GCB Bank has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,257 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GCB Bank's current 5-Year Yield-on-Cost % of 2.35 is 39.6% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on GCB Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GCB Bank's current 5-Year Yield-on-Cost % is 2.35, which is 55% below median its own 10-year median of 5.19. 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 GHS10.68, compared to a current price of GHS42.50 — trading 297.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.35, which is 55% below median its 10-year median of 5.19 and 39.6% below the Banks industry median of 3.89. GCB Bank's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For GCB Bank (XGHA:GCB), the current 5-Year Yield-on-Cost % is 2.35 as of Jul. 14, 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 GCB Bank (XGHA:GCB) Overvalued in 2026?
Based on GuruFocus' analysis, GCB Bank stock appears to be overvalued.
The current stock price of GHS42.50 is trading 297.9% above its estimated GF Value™ of GHS10.68.
GuruFocus considers GCB Bank to be Significantly Overvalued.
Key valuation signals for XGHA:GCB:
5-Year Yield-on-Cost %: 2.35 (55% below median its 10-year median of 5.19)
GF Value™: GHS10.68 vs. price of GHS42.50 (297.9% above fair value)
Industry Position: 39.6% below the Banks median (#969 of 1257)
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 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.
61GF Score
Get the complete analysis for XGHA:GCB
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XGHA:GCB has been successfully added to your 
