GCB Bank
- • Last trade was 27 days ago. Latest price is not fresh.
- Day range
- GH₵6.80 – GH₵6.95
- Volume
- 210,500
- Market cap
- GH₵1.82B
- Shares out.
- 265M
- Dividend / share
- GH₵0.52
- Yield (trailing)
- 7.59%
- P/E
- 3.7
- Real 1y (USD)
- -15.96%
What Nkosuo is seeing
What happened
GCB did not trade today — last print was 27 days ago at 6.85 GHS.
Liquidity
GCB trades moderately. Expect some bid-ask friction, especially on larger orders. Liquidity grade C.
Supply and demand
The close sat near the day low; sellers had the upper hand for the session.
Narrative
No direct headline mentions of GCB Bank in the last refresh.
Dividend
GCB distributes GHS 0.52 per share on a trailing basis, implying an indicative yield of 7.59% at today's price. Ghana withholds 8% on dividend income at source.
Automatically generated from public market data and the Ghanaian news feed. Descriptive only. Not investment advice, not a prediction, not a recommendation.
Why the stock moved
GCB fell slightly today, closing at GHS 6.85.
Key factors
- • Most recent dividend was GHS 0.52 on 2026-04-10.
- • Most recent issuer notice (2026-04-10): Final dividend of GHS 0.52 declared.
Cited data inputs
- Previous close
- GHS 6.90
- Day range
- GHS 6.80 – GHS 6.95
- Volume
- 210,500
- Last traded
- 2026-04-24
Limitations
- • End-of-day data only; we do not have intraday prints.
- • This explanation is descriptive, not predictive.
Descriptive only. Not investment advice. No buy / sell / hold output. AI disclaimer →
About
GCB Bank PLC is one of Ghana's largest indigenous banks with a nationwide branch network.
Curated by Nkosuo's editorial team. Not investment advice.
Fundamentals snapshot
Six categories: identity & capital · multiples · earnings & growth · profitability · trading · returns. Scroll horizontally on narrow screens.
Identity & capital
- SectorFinancials
- Industry—
- Listed1996-05-14
- Market CapGHS 1.81B
- Enterprise Value—
- Sales (TTM)GHS 2.98B
- Net income (TTM)GHS 490.00M
- EBITDA (TTM)—
- FCF (TTM)—
- Book / share9.60
- Cash / share—
- Total debt—
- Cash—
- AuditorDeloitte & Touche Ghana
Multiples
- P/E3.70
- Forward P/E—
- PEG0.29
- P/B0.71
- P/S0.61
- P/C—
- P/FCF—
- EV/EBITDA—
- EV/Sales0.61
- Debt / Equity—
- Current Ratio—
- Quick Ratio—
- Dividend Cover3.56
- Beta—
Earnings & growth
- EPS (TTM)1.85
- EPS forward—
- EPS growth (5Y)+12.60%
- Sales growth (5Y)+14.10%
- EPS Y/Y—
- Sales Y/Y—
- Dividend / share0.52
- Dividend yield+7.59%
- Payout ratio+28.00%
- Div growth (3Y)+14.11%
- Div growth (5Y)+14.74%
- Last dividend2026-04-10
- Last earnings2026-03-28
- EPS / Sales surprise—
Profitability
- ROE+19.30%
- ROA+2.10%
- ROIC—
- Gross margin—
- Net margin+16.40%
- Operating margin—
- vs SMA20+10.84%
- vs SMA50+8.57%
- vs SMA200—
- RSI (14)50.9
- Volatility (30d ann.)+11.8%
- Insider %—
- Institutional %—
- Short interest—
Trading
- Shares outstanding265.00M
- Volume (last)210.50K
- Avg volume210.50K
- Day low6.80
- Day high6.95
- 52W high6.58
- 52W low5.78
- % from 52W high-5.17%
- % from 52W low+7.83%
- Last traded2026-04-24
- Previous close6.90
- Price6.85
- Day change-0.72%
- Float—
Returns
- 1 day+0.78%
- 1 week-0.54%
- 1 month-0.95%
- 3 month+0.35%
- 6 month—
- YTD+2.17%
- 1 year—
- 3 year—
- 5 year—
- 10 year—
- 1Y real (CPI-adj.)—
- 1Y FX-adj. (USD)—
- Analyst target—
- Recommendation—
Fundamentals & ratios
Trailing twelve-month figures unless otherwise stated. As of 2025-12-31.
| Metric | Value | Read |
|---|---|---|
| P/E | 3.7 | Price per share / trailing EPS. Low P/E ≠ cheap; interpret alongside growth and payout. |
| P/B | 0.71 | Price / book value per share. Banks trade on P/B; industrials on P/E. |
| Trailing dividend yield | 7.59% | Current yield based on the last declared dividend. Check payout ratio for durability. |
| ROE | 19.3% | Return on equity. Above 20% is strong on a sustained basis. |
| ROA | 2.1% | Asset efficiency. Banks run low ROA (capital-intensive); consumer names higher. |
| Debt / Equity | — | Leverage read. Financials are structurally high-D/E; interpret vs sector. |
| Payout ratio | 28% | Dividends / earnings. Very high payouts are harder to sustain through an earnings dip. |
| Dividend cover | 3.56× | EPS / DPS. Below 1× means the company paid more than it earned. |
| Current ratio | — | Short-term liquidity. Above 1 means current assets cover current liabilities. |
Auditor: Deloitte & Touche Ghana
Filings & notices
- FY2025 annual report2026-03-10
- Q1 2026 trading update2026-03-28
Educational only, not investment advice. How read?
Financials-specific metrics
Industry-specific fundamentals for GCB. Grades are rules of thumb, not regulatory thresholds.
Tier-1 + 2 capital relative to risk-weighted assets. Above 15% is a comfortable buffer above the BoG minimum.
Share of loan book more than 90 days overdue. Below 5% is strong in the Ghanaian context; rising NPLs often precede impairment spikes.
Spread between what the bank earns on assets and pays on liabilities. High T-Bill yields support NIMs across the sector today.
Lower is better. Below 50% is excellent efficiency; above 70% suggests cost bloat.
Deposit base stability is a better read than the headline number in isolation.
Compare loan growth vs deposit growth to see whether risk appetite is expanding.
Trending impairments are an early-warning signal on credit quality.
Descriptive only. Not investment advice.
Earnings history
Annual revenue (outer bar) and net income (inner bar) in GHS. Height is relative; read the axis.
Dividend history
Declared dividend per share by fiscal year
Latest payout ratio approx 28% of net income. Last DPS GH₵0.52.
Educational valuation scenarios
Four independent models. Assumption-sensitive ranges — not recommendations, not price targets.
Assumptions and caveats
- EPS (TTM): GHS 1.85
- Book value / share: GHS 9.60
- Formula: √(22.5 × EPS × BVPS)
- ⚠ Designed for defensive, earnings-positive companies.
- ⚠ Biased conservative — interpret as a ceiling, not a target.
Assumptions and caveats
- Earnings growth (5y CAGR): 12.6%
- Dividend yield: 7.59%
- Fair PE: 20.2
- EPS (TTM): GHS 1.85
- ⚠ Assumes the historic growth rate persists. Capped between PE 5 and PE 40.
Assumptions and caveats
- Current DPS: GHS 0.52
- Dividend growth (hist.): 14.7%
- Required return range: 24–20%
- ⚠ Extreme sensitivity to the growth-vs-discount gap.
- ⚠ Only meaningful for established dividend payers.
Educational models. Intrinsic value is an estimate, not a forecast. Ghana-aware discount rates (20–24%) reflect local sovereign yields. Nothing on this card is a recommendation to buy or sell.
Valuation toolkit
Interactive dividend-discount and two-stage DCF calculators. Inputs are seeded from public fundamentals and Ghana-specific defaults — change them to see how the implied fair value moves. Educational only. Not a fair-value target, not investment advice.
Dividend Discount Model (Gordon)
Fair value = DPS × (1 + g) / (r − g)
- ⚠ Sustained dividend growth above 12% is historically rare; the model will over-value.
Two-stage DCF
5 years of explicit growth + Gordon-growth terminal value, discounted to today.
Outputs are educational estimates subject to input assumptions. Not a fair-value target, not investment advice. How calculated?
Peer multiples
P/E, P/B, and trailing dividend yield for GCB against sector peers. Medians shown for reference.
| Ticker | P/E | P/B | Div yield |
|---|---|---|---|
| GCBthis stock | 3.7 | 0.71 | 7.59% |
| ADB | — | — | — |
| EGH | 3.4 | 0.74 | 9.45% |
| SCB | — | — | 5.92% |
| ETI | — | — | — |
| Median | 3.6 | 0.73 | 7.59% |
“Discount” / “premium” describes this stock's multiple relative to the peer median only — a cheap multiple can be justified by weaker fundamentals. Educational only.
GCB dividend yield vs T-Bills
Informational comparison. T-Bills are near-risk-free; dividend yield carries principal risk. Not investment advice.
- 364-day T-Bill37.87%
- 91-day T-Bill26.44%
- Stock dividend yield7.59%
- Ghana headline CPI17.80%
- Real stock yield
- -10.21%
- Real 91-day T-Bill
- 8.64%
- Real 364-day T-Bill
- 20.07%
Real yields subtract Ghana's current CPI. A negative real yield means your purchasing power is eroding, nominal income notwithstanding.
Sector peers
Auto-selected from Financials by market-cap proximity
Price & indicators
End-of-day data. Technical indicators are descriptive tools — they do not predict future prices and are not recommendations. Drawing tools available on globally-listed names via the TradingView panel below.
Recent mentions of GCB
No direct company news found from tracked sources
We didn't find any direct-company headlines for GCB in the last pull. See the full news feed for macro and market-wide stories.
Matched via whole-word ticker, company-name, alias, and former-name matching. Short tickers are never matched inside unrelated words. Low-confidence or macro/market-wide items are not shown on company pages.