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Cantonal (state-backed) bank serving retail, business and private-banking clients in the St. Gallen region.
Cantonal (state-backed) bank serving retail, business and private-banking clients in the St. Gallen region.
Earns mostly from the interest gap on mortgages funded by local deposits, with fee income from investment advice and asset management for private clients. The canton of St. Gallen holds the majority of shares and guarantees the bank's liabilities.
In one line: A Swiss state-guaranteed regional bank, like a state-backed community bank.
Moat: narrow (regulatory licence, distribution, brand). State guarantee and dense home-canton branch network anchor low-cost deposits and mortgage share.
Headquarters: St. Gallen, Switzerland · Founded: 1868 · Employees: 1,470
Size St.Galler Kantonalbank (SGKN.SW) is a Switzerland Financials company (Major Banks) with a market value of $5.22B, the 56th largest of 158 Switzerland companies the cockpit tracks. Shares closed at CHF 712.00 on 6 Nov 2026.
Performance Over six months the shares gained 18.7%, against +4.1% for the median peer and +11.6% for the Switzerland market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue fell 13.4% over the last twelve months (peer median +8.5%); the operating margin is 42.2% (peer median 36.5%).
Valuation It trades at 1.37× book value against a peer median of 0.98× (6th most expensive of 21).
Next results Next results expected around 17 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CHF 843M | CHF 868M | CHF 1.05B | CHF 956M | CHF 609M |
| Revenue growth | — | -17% | +9% | +57% | — |
| Net income | CHF 233M | CHF 227M | CHF 215M | CHF 207M | CHF 184M |
| Free cash flow | n/a | -CHF 1.17B | CHF 193M | CHF 2.13M | CHF 255M |
| Capital expenditure | n/a | CHF 3.30M | CHF 11.3M | CHF 13.3M | CHF 10.3M |
| Total debt | n/a | CHF 14.4B | CHF 11.6B | CHF 10.2B | CHF 10.8B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| St.Galler Kantonalbank SGKN.SW | $5.22B | +19% | -13% | 8% | 1.37× | n/a |
| Luzerner Kantonalbank LUKN.SW | $7.86B | +28% | -3% | 9% | 1.76× | n/a |
| Banque Cantonale Vaudoise BCVN.SW | $14.4B | +20% | -8% | 12% | 3.07× | n/a |
| UBS UBSG.SW | $148B | +13% | -5% | 11% | 1.62× | 8.4% |
| Thurgauer Kantonalbank TKBP.SW | $838M | -6% | -11% | 6% | 0.23× | n/a |
| Valiant VATN.SW | $2.93B | -9% | -11% | 6% | 0.86× | n/a |
| Berner Kantonalbank BEKN.SW | $5.07B | +17% | -4% | 7% | 1.34× | n/a |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SGKN.SW | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.3% | -0.5% | 11th highest of 21 |
| 6-month return | +18.7% | +4.1% | 3rd highest of 21 |
| Return on equity | 7.6% | 9.6% | 7th lowest of 21 |
| Price / book | 1.37× | 0.98× | 6th most expensive of 21 |
| Trailing P/E | 18.3× | 11.7× | 4th most expensive of 21 |
| ROE delivered | 7.6% | 9.8% | 6th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| St.Galler Kantonalbank SGKN.SW | Switzerland | $5.22B | +19% | -13% | 8% | 1.37× | n/a | 7.6% |
| Axos Financial AX | United States | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% | 16.7% |
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | United States | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% | 10.8% |
| Bank of Chongqing 601963.SS | China | $5.13B | +7% | +5% | 10% | 0.65× | 3.0% | 9.8% |
| Associated Banc-Corp ASB | United States | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% | 10.2% |
| Yes Bank YESBANK.NS | India | $5.72B | -24% | +5% | 8% | 1.01× | 15.3% | 8.2% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| RBL Bank RBLBANK.NS | India | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% | 4.0% |
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| Indian Overseas Bank IOB.NS | India | $6.23B | -13% | +14% | 18% | 1.46× | 17.2% | 17.9% |
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |