GCB Bank Plc (GHSE:GCB)
Ghana flag Ghana · Delayed Price · Currency is GHS
43.10
0.00 (0.00%)
At close: Aug 11, 2026

GCB Bank Financials Overview

Millions GHS. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
7,0146,1464,0033,351900.412,103
Revenue Growth
43.46%53.51%19.46%272.19%-57.18%20.29%
Net Income
2,4462,0611,2011,010-593.4572.28
Earnings Per Share
9.637.784.533.81-2.242.16
EPS Growth
-21.35%71.66%18.90%--28.54%

Revenue by Segment

Fiscal YearFY 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 YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
21,92910,0569,5213,0902,6151,873
Total Debt
7,2223,5862,7421,0831,003988.07
Net Cash (Debt)
14,7086,4706,7792,0071,611884.61
Net Cash Growth
42.91%-4.56%237.84%24.52%82.16%226.23%
Net Cash Per Share
57.9124.4225.587.576.083.34

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-7,943-3,820-5,653-541.28-226.61135.76
Capital Expenditures
-159.44-204.59-204.83-51.12-112.73-89.23
Free Cash Flow
-8,102-4,025-5,858-592.4-339.3546.53
Free Cash Flow Growth
------90.28%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
34.87%33.53%30.00%30.13%-65.90%27.22%
FCF Margin
-115.52%-65.49%-146.32%-17.68%-37.69%2.21%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
2.32%5.08%16.05%--10.74%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.482.591.410.89-2.43
Forward PE
5.291.031.031.031.292.41
P/FCF Ratio
-----29.84
PS Ratio
1.630.870.420.271.160.66