GCB Bank Plc

GHSE:GCB Stock Report

Market Cap: GH₵1.7b

GCB Bank Past Earnings Performance

Past criteria checks 4/6

GCB Bank has been growing earnings at an average annual rate of 2.6%, while the Banks industry saw earnings growing at 5.9% annually. Revenues have been growing at an average rate of 15.2% per year. GCB Bank's return on equity is 29.1%, and it has net margins of 27.7%.

Key information

2.6%

Earnings growth rate

n/a

EPS growth rate

Banks Industry Growth0.6%
Revenue growth rate15.2%
Return on equity29.1%
Net Margin27.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How GCB Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

GHSE:GCB Revenue, expenses and earnings (GHS Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 243,8591,0701,2220
30 Jun 243,6971,1011,1760
31 Mar 243,4851,0631,0530
31 Dec 233,3511,0101,0690
30 Sep 231,229-5191,0520
30 Jun 231,128-5811,0400
31 Mar 231,096-5611,0500
31 Dec 22900-5939620
30 Sep 222,4766758990
30 Jun 222,3556498590
31 Mar 222,2095908210
31 Dec 212,1035728000
30 Sep 211,9715187890
30 Jun 211,8764947530
31 Mar 211,8254897460
31 Dec 201,7484457240
30 Sep 201,7344887150
30 Jun 201,6854846970
31 Mar 201,5824566530
31 Dec 191,4974286320
30 Sep 191,4393986070
30 Jun 191,3693705830
31 Mar 191,3153545650
31 Dec 181,2223275220
30 Sep 181,1652585180
30 Jun 181,0792174810
31 Mar 181,0472064510
31 Dec 171,0762354240
30 Sep 179921633980
30 Jun 171,0302365270
31 Mar 171,0612873400
31 Dec 161,0453183230
30 Sep 161,0213764180
30 Jun 168792914180
31 Mar 168142723480
31 Dec 157732552690
30 Sep 157152453480
30 Jun 157993163480
31 Mar 157543053480
31 Dec 148072823480
30 Sep 1471930210
30 Jun 1464525610
31 Mar 1460523700

Quality Earnings: GCB has high quality earnings.

Growing Profit Margin: GCB became profitable in the past.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: GCB's earnings have grown by 2.6% per year over the past 5 years.

Accelerating Growth: GCB has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: GCB has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (22.4%).

Return on Equity

High ROE: GCB's Return on Equity (29.1%) is considered high.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 23:10
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

GCB Bank Plc is covered by 4 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Afua Mensa-BonsuDatabank Brokerage Ltd.
Muammar IsmailyEFG-Hermes Research
Oluwatoyosi OniRenaissance Capital