GNBN Stock Overview

A cantonal bank, provides banking products and services to the local population, and small and middle-sized companies in the Cantons of St. More details

GNBN fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 18% below our estimate of its fair value

Earnings grew by 3.8% over the past year

Pays a reliable dividend of 3.87%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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St. Galler Kantonalbank AG Competitors

Price History & Performance

Summary of share price highs, lows and changes for St. Galler Kantonalbank
Historical stock prices
Current Share Price	CHF 519.00
52 Week High	CHF 522.00
52 Week Low	CHF 497.00
Beta	0.19
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	79.09%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	GNBN	DE Banks	DE Market
7D	1.6%	1.2%	0.5%
1Y	n/a	32.6%	15.8%

Return vs Industry: Insufficient data to determine how GNBN performed against the German Banks industry.

Return vs Market: Insufficient data to determine how GNBN performed against the German Market.

Price Volatility

Is GNBN's price volatile compared to industry and market?
GNBN volatility
GNBN Average Weekly Movement	n/a
Banks Industry Average Movement	4.8%
Market Average Movement	6.5%
10% most volatile stocks in DE Market	12.8%
10% least volatile stocks in DE Market	3.1%

Stable Share Price: GNBN's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine GNBN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1868	1,160	Christian Schmid	www.sgkb.ch

St. Galler Kantonalbank AG, a cantonal bank, provides banking products and services to the local population, and small and middle-sized companies in the Cantons of St. Gallen and Appenzell Ausserrhoden. It offers asset management products, including investment funds and packages, and structured products; trades in equities, derivatives, bonds, in-house and third-party funds, and customized structured products; services, such as mortgages, Lombard loans, sureties and guarantees, etc.; and financial planning services comprising succession planning, retirement planning, and wealth tax advisory services, as well as e-banking and investment research services. The company was formerly known as St. Gallische Kantonalbank and changed its name to St. Galler Kantonalbank AG in 2000.

St. Galler Kantonalbank AG Fundamentals Summary

How do St. Galler Kantonalbank's earnings and revenue compare to its market cap?
GNBN fundamental statistics
Market cap	€3.14b
Earnings (TTM)	€229.98m
Revenue (TTM)	€586.50m

13.7x

P/E Ratio

1.0x

P/B Ratio

Is GNBN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GNBN income statement (TTM)
Revenue	CHF 548.51m
Cost of Revenue	CHF 0
Gross Profit	CHF 548.51m
Other Expenses	CHF 333.42m
Earnings	CHF 215.08m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	35.97
Gross Margin	100.00%
Net Profit Margin	39.21%
Debt/Equity Ratio	390.1%

How did GNBN perform over the long term?

See historical performance and comparison

Dividends

3.9%

Current Dividend Yield

53%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/22 14:27
End of Day Share Price	2025/05/22 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

St. Galler Kantonalbank AG is covered by 5 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Jan-Thomas Schoeps	Credit Suisse
Peter Thorne	Helvea SA
Mathias Büeler	Kepler Capital Markets