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 Thursday, July 23, 2026.

Earnings Date	Jul 23, 2026
Ex-Dividend Date	n/a

Share Statistics

Trust Bank has 400.00 million shares outstanding. The number of shares has increased by 0.37% in one year.

Current Share Class	400.00M
Shares Outstanding	400.00M
Shares Change (YoY)	+0.37%
Shares Change (QoQ)	+2.18%
Owned by Insiders (%)	2.65%
Owned by Institutions (%)	11.06%
Float	341.02M

Valuation Ratios

The trailing PE ratio is 11.33.

PE Ratio	11.33
Forward PE	n/a
PS Ratio	2.46
PB Ratio	1.73
P/TBV Ratio	1.86
P/FCF Ratio	863.39
P/OCF Ratio	18.83
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	1.61
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.45%
Revenue Per Employee	456,222
Profits Per Employee	99,371
Employee Count	428
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Trust Bank has paid 15.73 million in taxes.

Income Tax	15.73M
Effective Tax Rate	27.00%

Stock Price Statistics

The stock price has increased by +31.87% in the last 52 weeks. The beta is 0.22, so Trust Bank's price volatility has been lower than the market average.

Beta (5Y)	0.22
52-Week Price Change	+31.87%
50-Day Moving Average	0.68
200-Day Moving Average	0.39
Relative Strength Index (RSI)	99.31
Average Volume (20 Days)	1,954

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 195.26 million and earned 42.53 million in profits. Earnings per share was 0.11.

Revenue	195.26M
Gross Profit	195.26M
Operating Income	58.26M
Pretax Income	58.26M
Net Income	42.53M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.11

Balance Sheet

The company has 375.72 million in cash and 896,591 in debt, with a net cash position of 374.82 million or 0.94 per share.

Cash & Cash Equivalents	375.72M
Total Debt	896,591
Net Cash	374.82M
Net Cash Per Share	0.94
Equity (Book Value)	277.67M
Book Value Per Share	0.69
Working Capital	-1.26B

Cash Flow

In the last 12 months, operating cash flow was 25.49 million and capital expenditures -24.93 million, giving a free cash flow of 555,946.

Operating Cash Flow	25.49M
Capital Expenditures	-24.93M
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	555,946
FCF Per Share	0.00

Margins

Gross Margin	n/a
Operating Margin	29.84%
Pretax Margin	29.84%
Profit Margin	21.78%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	0.28%

Dividends & Yields

This stock pays an annual dividend of 0.15, which amounts to a dividend yield of 12.27%.

Dividend Per Share	0.15
Dividend Yield	12.27%
Dividend Growth (YoY)	-22.01%
Years of Dividend Growth	n/a
Payout Ratio	62.93%
Buyback Yield	-0.37%
Shareholder Yield	11.90%
Earnings Yield	8.86%
FCF Yield	0.12%

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	2