St Galler Kantonalbank AG provides banking services to the local population and small and middle-sized companies in Switzerland and globally. It also offers private banking. The bank adopts a balanced business model based on two revenue sources. Its objectives are the growth of loans, the growth of funds under management, cost and income ratio and return on equity. The firm operates in St Gall through its network of branches. The company has developed and promoted the brand Cantonal bank. Retail and commercial clients, private banking, and corporate center are the segments of the company.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.13
Equity-to-Asset	0.06
Debt-to-Equity	2.56
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.23	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.6
	3-Year EPS without NRI Growth Rate	7.5
	3-Year Book Growth Rate	3.9
	Future 3-5Y EPS without NRI Growth Rate Estimate	4.33
	Future 3-5Y Total Revenue Growth Rate Estimate	2.88

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	35.7
	9-Day RSI	44.46
	14-Day RSI	48.48
	6-1 Month Momentum %	-9.52
	12-1 Month Momentum %	-15.78

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.51
	Dividend Payout Ratio	0.57
	3-Year Dividend Growth Rate	2
	Forward Dividend Yield %	4.51
	5-Year Yield-on-Cost %	4.83
	Shareholder Yield %	-9.4

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	36.25
	FCF Margin %	-146.3
	ROE %	6.96
	ROA %	0.46
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.64
	Forward PE Ratio	11.22
	PE Ratio without NRI	12.64
	Shiller PE Ratio	14.25
	PEG Ratio	4.08
	PS Ratio	4.58
	PB Ratio	0.87
	Price-to-Tangible-Book	0.87
	EV-to-Revenue	2.83
	EV-to-FCF	-1.93
	Price-to-Projected-FCF	0.28
	Price-to-Median-PS-Value	0.81
	Price-to-Graham-Number	0.7
	FCF Yield %	-31.85
	Forward Rate of Return (Yacktman) %	36.12

GF Value: CHF533.07

CHIX:SGKNz

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