Trust Bank Limited (GHSE:TBL)

Trust Bank Statistics

Total Valuation

Trust Bank has a market cap or net worth of GHS 480.00 million.

Market Cap	480.00M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, February 13, 2026.

Earnings Date	Feb 13, 2026
Ex-Dividend Date	Nov 25, 2025

Share Statistics

Trust Bank has 400.00 million shares outstanding.

Current Share Class	400.00M
Shares Outstanding	400.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	-1.81%
Owned by Insiders (%)	2.65%
Owned by Institutions (%)	11.06%
Float	341.02M

Valuation Ratios

The trailing PE ratio is 9.33.

PE Ratio	9.33
Forward PE	n/a
PS Ratio	2.46
PB Ratio	1.91
P/TBV Ratio	2.08
P/FCF Ratio	1.61
P/OCF Ratio	1.48
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	0.00
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 21.71%.

Return on Equity (ROE)	21.71%
Return on Assets (ROA)	2.67%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.06%
Revenue Per Employee	477,735
Profits Per Employee	125,768
Employee Count	409
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Trust Bank has paid 19.03 million in taxes.

Income Tax	19.03M
Effective Tax Rate	27.00%

Stock Price Statistics

The stock price has increased by +44.58% in the last 52 weeks. The beta is 0.33, so Trust Bank's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	+44.58%
50-Day Moving Average	0.61
200-Day Moving Average	0.37
Relative Strength Index (RSI)	99.31
Average Volume (20 Days)	2,319

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, Trust Bank had revenue of GHS 195.39 million and earned 51.44 million in profits. Earnings per share was 0.13.

Revenue	195.39M
Gross Profit	195.39M
Operating Income	70.46M
Pretax Income	70.46M
Net Income	51.44M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.13

Balance Sheet

The company has 1.00 billion in cash and 696,123 in debt, with a net cash position of 1.00 billion or 2.50 per share.

Cash & Cash Equivalents	1.00B
Total Debt	696,123
Net Cash	1.00B
Net Cash Per Share	2.50
Equity (Book Value)	250.86M
Book Value Per Share	0.63
Working Capital	-497.80M

Cash Flow

In the last 12 months, operating cash flow was 324.48 million and capital expenditures -25.54 million, giving a free cash flow of 298.94 million.

Operating Cash Flow	324.48M
Capital Expenditures	-25.54M
Free Cash Flow	298.94M
FCF Per Share	0.75

Margins

Gross Margin	n/a
Operating Margin	36.06%
Pretax Margin	36.06%
Profit Margin	26.33%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	152.99%

Dividends & Yields

This stock pays an annual dividend of 0.13, which amounts to a dividend yield of 10.85%.

Dividend Per Share	0.13
Dividend Yield	10.85%
Dividend Growth (YoY)	-22.01%
Years of Dividend Growth	n/a
Payout Ratio	49.46%
Buyback Yield	n/a
Shareholder Yield	10.85%
Earnings Yield	10.72%
FCF Yield	62.28%

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 August 22, 2011. It was a forward split with a ratio of 3.33.

Last Split Date	Aug 22, 2011
Split Type	Forward
Split Ratio	3.33

Scores

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