GCB Bank Plc (GHSE:GCB)
Ghana flag Ghana · Delayed Price · Currency is GHS
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GCB Bank Financials Overview

Millions GHS. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
7,4536,1464,0033,351900.412,103
Revenue Growth
36.53%53.51%19.46%272.19%-57.18%20.29%
Net Income
2,6292,0611,2011,010-593.4572.28
Earnings Per Share
9.927.784.533.81-2.242.16
EPS Growth
-71.66%18.90%--28.54%

Revenue by Segment

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Commercial
984.73407.4378.43273.72154.71
Corporate Banking
1,381910.62677.82424.06113
Retail
3,2612,1161,8851,208962.61
Treasury
471.61837.26364.3-1,023836.5
Total
6,0994,2713,306882.892,067

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
19,47110,0569,5213,0902,6151,873
Total Debt
7,3793,5862,7421,0831,003988.07
Net Cash (Debt)
12,0926,4706,7792,0071,611884.61
Net Cash Growth
36.22%-4.56%237.84%24.52%82.16%226.23%
Net Cash Per Share
45.6424.4225.587.576.083.34

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-7,772-3,820-5,653-541.28-226.61135.76
Capital Expenditures
-126.94-204.59-204.83-51.12-112.73-89.23
Free Cash Flow
-7,899-4,025-5,858-592.4-339.3546.53
Free Cash Flow Growth
------90.28%

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
35.27%33.53%30.00%30.13%-65.90%27.22%
FCF Margin
-105.99%-65.49%-146.32%-17.68%-37.69%2.21%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.0001.0001.000--0.500
Dividend Per Share Growth
0%0%---100.00%
Dividend Yield
2.49%4.97%15.70%--9.54%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.052.591.410.89-2.43
Forward PE
-1.031.031.031.292.41
P/FCF Ratio
-----29.84
PS Ratio
1.430.870.420.271.160.66