St. Galler Kantonalbank AG, a cantonal bank, provides banking services to the local population, and small and middle-sized companies in the Cantons of St.
Excellent balance sheet with proven track record and pays a dividend.
Share Price & News
How has St. Galler Kantonalbank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0QQZ has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0QQZ exceeded the UK Banks industry which returned -11.3% over the past year.
Return vs Market: 0QQZ exceeded the UK Market which returned 1.4% over the past year.
Price Volatility Vs. Market
How volatile is St. Galler Kantonalbank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is St. Galler Kantonalbank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 0QQZ (CHF531) is trading above our estimate of fair value (CHF484.67)
Significantly Below Fair Value: 0QQZ is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 0QQZ is poor value based on its PE Ratio (16.5x) compared to the Banks industry average (8.9x).
PE vs Market: 0QQZ is good value based on its PE Ratio (16.5x) compared to the UK market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: 0QQZ's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0QQZ is overvalued based on its PB Ratio (1.1x) compared to the GB Banks industry average (0.8x).
How is St. Galler Kantonalbank forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0QQZ's earnings are forecast to decline over the next 3 years (-2.3% per year).
Earnings vs Market: 0QQZ's earnings are forecast to decline over the next 3 years (-2.3% per year).
High Growth Earnings: 0QQZ's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0QQZ's revenue (0.1% per year) is forecast to grow slower than the UK market (3.8% per year).
High Growth Revenue: 0QQZ's revenue (0.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0QQZ's Return on Equity is forecast to be low in 3 years time (6.3%).
How has St. Galler Kantonalbank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0QQZ has high quality earnings.
Growing Profit Margin: 0QQZ's current net profit margins (34.2%) are higher than last year (33.2%).
Past Earnings Growth Analysis
Earnings Trend: 0QQZ's earnings have grown by 3.1% per year over the past 5 years.
Accelerating Growth: 0QQZ's earnings growth over the past year (3.4%) exceeds its 5-year average (3.1% per year).
Earnings vs Industry: 0QQZ earnings growth over the past year (3.4%) underperformed the Banks industry 26.6%.
Return on Equity
High ROE: 0QQZ's Return on Equity (6.4%) is considered low.
Return on Assets
Return on Capital Employed
How is St. Galler Kantonalbank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0QQZ has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0QQZ's debt is not covered by short term assets (assets are 0.6x debt).
Financial Institutions Analysis
Asset Level: 0QQZ's level of assets compared to its equity is moderate.
Allowance for Bad Loans: 0QQZ has a low allowance for bad loans.
Low Risk Liabilities: 0QQZ's liabilities are made up of primarily low risk sources of funding.
Loan Level: 0QQZ has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0QQZ's loans are broadly funded by customer deposits.
Level of Bad Loans: 0QQZ has an appropriate level of bad loans (1.17%)
What is St. Galler Kantonalbank's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Purchase St. Galler Kantonalbank before the 'Buy Limit' to receive their next dividend payment.
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 0QQZ's dividend (3.43%) is higher than the bottom 25% of dividend payers in the UK market (1.9%).
High Dividend: 0QQZ's dividend (3.43%) is low compared to the top 25% of dividend payers in the UK market (5.34%).
Stability and Growth of Payments
Stable Dividend: 0QQZ's dividends per share have been stable in the past 10 years.
Growing Dividend: 0QQZ's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (56.5%), 0QQZ's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0QQZ's dividends in 3 years are forecast to be covered by earnings (57.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Roland Ledergerber (58yo)
Mr. Roland Ledergerber is Chairman of the Executive Board of St. Galler Kantonalbank AG since February 01, 2008 and is a Member of the Executive Board from June 2002. Mr. Ledergerber was an Interim Head of ...
CEO Compensation Analysis
Compensation vs Market: Roland's total compensation ($USD1.35M) is below average for companies of similar size in the UK market ($USD2.27M).
Compensation vs Earnings: Roland's compensation has been consistent with company performance over the past year.
|Chairman of the Management Board||12yrs||CHF1.31m||no data|
|Head of the Service Center & Member of the Management Board||11.8yrs||no data||no data|
|Head of the Retail & Commercial Clients and Member of the Management Board||12yrs||no data||no data|
|Head of Corporate Center & Member of Management Board||11.8yrs||no data||no data|
|Head of Private Banking & Member of Management Board||1.9yrs||no data||no data|
|Head of Investment Center||0yrs||no data||no data|
|Secretary General & Head of Corporate Communication||0yrs||no data||no data|
|Head of Legal & Compliance||0yrs||no data||no data|
|Head of Marketing||0yrs||no data||no data|
|Head of Corporate Development||0yrs||no data||no data|
Experienced Management: 0QQZ's management team is seasoned and experienced (11.8 years average tenure).
|Chairman of Mgmt Board - Hyposwiss Private bank AG and CEO of Hyposwiss Privatbank AG - Zurich||0yrs||no data||no data|
|Vice Chairman of the Board||6.8yrs||CHF158.00k||no data|
|Chairman of the Board||6.8yrs||CHF304.00k||no data|
|Independent Director||10.8yrs||CHF121.00k||no data|
|Independent Director||9.8yrs||CHF121.00k||no data|
|Independent Director||8.8yrs||CHF122.00k||no data|
|Chairman of St Galler Kantonalbank Deutschland AG||0yrs||no data||no data|
|Independent Director||5.8yrs||CHF110.00k||no data|
|Independent Director||5.6yrs||CHF108.00k||no data|
|Independent Director||3.7yrs||CHF76.00k||no data|
Experienced Board: 0QQZ's board of directors are considered experienced (6.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4.1%.
St. Galler Kantonalbank AG's company bio, employee growth, exchange listings and data sources
- Name: St. Galler Kantonalbank AG
- Ticker: 0QQZ
- Exchange: LSE
- Founded: 1868
- Industry: Regional Banks
- Sector: Banks
- Market Cap: CHF2.824b
- Shares outstanding: 5.98m
- Website: https://www.sgkb.ch
Number of Employees
- St. Galler Kantonalbank AG
- St. Leonhardstrasse 25
- Sankt Gallen
- St. Gallen
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SGKN||SWX (SIX Swiss Exchange)||Yes||Registered Shares||CH||CHF||Apr 2001|
|GNBN||DB (Deutsche Boerse AG)||Yes||Registered Shares||DE||EUR||Apr 2001|
|0QQZ||LSE (London Stock Exchange)||Yes||Registered Shares||GB||CHF||Apr 2001|
St. Galler Kantonalbank AG, a cantonal bank, provides banking 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 funds and structured products; and financial planning services, such as 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 was founded in 1868 and is based in Sankt Gallen, Switzerland.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/25 22:32|
|End of Day Share Price||2020/02/25 00:00|
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.