CalBank PLC (GHSE:CAL)

CalBank Statistics

Total Valuation

CalBank has a market cap or net worth of GHS 3.72 billion.

Market Cap	3.72B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Monday, March 2, 2026.

Earnings Date	Mar 2, 2026
Ex-Dividend Date	n/a

Share Statistics

CalBank has 4.23 billion shares outstanding. The number of shares has increased by 37.82% in one year.

Current Share Class	4.23B
Shares Outstanding	4.23B
Shares Change (YoY)	+37.82%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	1.21%
Owned by Institutions (%)	20.72%
Float	3.57B

Valuation Ratios

The trailing PE ratio is 5.24 and the forward PE ratio is 3.83.

PE Ratio	5.24
Forward PE	3.83
PS Ratio	3.45
PB Ratio	2.35
P/TBV Ratio	2.47
P/FCF Ratio	4.18
P/OCF Ratio	4.16
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.20
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 32.88%.

Return on Equity (ROE)	32.88%
Return on Assets (ROA)	2.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.81%
Revenue Per Employee	1.03M
Profits Per Employee	291,502
Employee Count	1,046
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CalBank has paid 176.49 million in taxes.

Income Tax	176.49M
Effective Tax Rate	36.66%

Stock Price Statistics

The stock price has increased by +57.14% in the last 52 weeks. The beta is 0.35, so CalBank's price volatility has been lower than the market average.

Beta (5Y)	0.35
52-Week Price Change	+57.14%
50-Day Moving Average	0.74
200-Day Moving Average	0.60
Relative Strength Index (RSI)	63.72
Average Volume (20 Days)	792,396

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, CalBank had revenue of GHS 1.08 billion and earned 304.91 million in profits. Earnings per share was 0.17.

Revenue	1.08B
Gross Profit	1.08B
Operating Income	481.40M
Pretax Income	481.40M
Net Income	304.91M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.17

Balance Sheet

The company has 657.01 million in cash and 1.07 billion in debt, with a net cash position of -416.02 million or -0.10 per share.

Cash & Cash Equivalents	657.01M
Total Debt	1.07B
Net Cash	-416.02M
Net Cash Per Share	-0.10
Equity (Book Value)	1.58B
Book Value Per Share	0.37
Working Capital	-7.71B

Cash Flow

In the last 12 months, operating cash flow was 895.56 million and capital expenditures -4.55 million, giving a free cash flow of 891.01 million.

Operating Cash Flow	895.56M
Capital Expenditures	-4.55M
Free Cash Flow	891.01M
FCF Per Share	0.21

Margins

Gross Margin	n/a
Operating Margin	44.58%
Pretax Margin	44.58%
Profit Margin	28.24%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	82.52%

Dividends & Yields

CalBank does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-37.82%
Shareholder Yield	-37.82%
Earnings Yield	8.19%
FCF Yield	23.92%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 4, 2018. It was a forward split with a ratio of 1.1428571429.

Last Split Date	Jun 4, 2018
Split Type	Forward
Split Ratio	1.1428571429

Scores

Altman Z-Score	n/a
Piotroski F-Score	4