CalBank PLC (GHSE:CAL)

CalBank Statistics

Total Valuation

CalBank has a market cap or net worth of GHS 779.54 million.

Market Cap	779.54M
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, October 28, 2025.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	n/a

Share Statistics

CalBank has 1.08 billion shares outstanding.

Current Share Class	1.08B
Shares Outstanding	1.08B
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.03%
Float	n/a

Valuation Ratios

The trailing PE ratio is 2.91 and the forward PE ratio is 2.57.

PE Ratio	2.91
Forward PE	2.57
PS Ratio	0.81
PB Ratio	1.57
P/TBV Ratio	1.85
P/FCF Ratio	0.89
P/OCF Ratio	0.89
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	1.62
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 73.83%.

Return on Equity (ROE)	73.83%
Return on Assets (ROA)	2.31%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.02M
Profits Per Employee	284,486
Employee Count	941
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CalBank has paid 157.32 million in taxes.

Income Tax	157.32M
Effective Tax Rate	37.01%

Stock Price Statistics

The stock price has increased by +176.92% in the last 52 weeks. The beta is 0.09, so CalBank's price volatility has been lower than the market average.

Beta (5Y)	0.09
52-Week Price Change	+176.92%
50-Day Moving Average	0.63
200-Day Moving Average	0.59
Relative Strength Index (RSI)	36.76
Average Volume (20 Days)	562,238

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 959.14 million and earned 267.70 million in profits.

Revenue	959.14M
Gross Profit	959.14M
Operating Income	425.02M
Pretax Income	425.02M
Net Income	267.70M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	n/a

Balance Sheet

The company has 2.31 billion in cash and 1.41 billion in debt, giving a net cash position of 897.43 million or 0.83 per share.

Cash & Cash Equivalents	2.31B
Total Debt	1.41B
Net Cash	897.43M
Net Cash Per Share	0.83
Equity (Book Value)	496.44M
Book Value Per Share	n/a
Working Capital	-6.65B

Cash Flow

In the last 12 months, operating cash flow was 876.69 million and capital expenditures -2.95 million, giving a free cash flow of 873.73 million.

Operating Cash Flow	876.69M
Capital Expenditures	-2.95M
Free Cash Flow	873.73M
FCF Per Share	0.81

Margins

Gross Margin	n/a
Operating Margin	44.31%
Pretax Margin	44.31%
Profit Margin	27.91%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	91.10%

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	n/a
Shareholder Yield	n/a
Earnings Yield	34.34%
FCF Yield	112.08%

Fair Value

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

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

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