GCB Bank (XGHA:GCB) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XGHA:GCB GCB Bank Ltd XGHA:GCB
69 GF Score
Price GHS42.50
GF Value GHS10.64
Valuation Significantly Overvalued
! 3 Warning Signs
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What is GCB Bank Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

XGHA:GCB
69GF Score
GCB Bank Ltd XGHA:GCB
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 299.4% above its estimated GF Value™ of GHS10.64. GuruFocus considers GCB Bank to be Significantly Overvalued.

Key valuation signals for XGHA:GCB:

  • Altman Z2-Score:
  • GF Value™: GHS10.64 vs. price of GHS42.50 (299.4% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for XGHA:GCB

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS42.50
Price
GHS10.64
GF Value