profit from every CHF 100 of sales.
CHF 0CHF 100
St. Galler Kantonalbank
CHF 730.00+0.55% today
+29.4% in 1 year
1-year low CHF 564.001-year high CHF 730.00
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay CHF 19.24 for every CHF 1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What St. Galler Kantonalbank sold, what it kept, and what it did with the cash.
Sales went from CHF 492 million in 2022 to CHF 596 million in 2025, with CHF 227 million of profit last year.
SalesProfit
St. Galler Kantonalbank handed back 1% of the cash it generated last year.
Buybacks CHF 10M
Free cash flow 2025CHF 1.6B
Bought back its own sharesCHF 10M
Paid as dividends–
Cash vs. debtCHF 9.9B vs. CHF 9.5B
St. Galler Kantonalbank vs. similar companies
St. Galler Kantonalbank grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from CHF 100 of sales | Sales growth a year | Price per CHF 1 of profit |
|---|---|---|---|
| St. Galler Kantonalbank | 19.2× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads St. Galler Kantonalbank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 492 | 564 | 561 | 596 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 184 | 207 | 215 | 227 | |
| 30.71 | 34.63 | 35.95 | 37.93 | |
| – | – | – | – | |
| – | – | – | – | |
| 37.4% | 36.8% | 38.3% | 38.1% |
Balance sheet
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 40,824 | 41,337 | 45,582 | 48,137 |
| Cash | 7,660 | 6,700 | 8,654 | 9,927 |
| Total debt | 6,950 | 7,219 | 8,400 | 9,533 |
| Total liabilities | 38,053 | 38,434 | 42,576 | 45,019 |
| 2,771 | 2,903 | 3,006 | 3,118 | |
| 6 | 6 | 6 | 6 | |
| – | – | – | – | |
| 6.6% | 7.1% | 7.2% | 7.3% |
Cash flow
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,771 | -894 | 2,404 | 1,597 | |
| 10 | 13 | 11 | 6 | |
| 1,760 | -907 | 2,393 | 1,591 | |
| Dividends paid | – | – | – | – |
| 9 | 11 | 10 | 10 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 19.2×
- –
- 2.64
- 1.2×
- 7.3×
- 5.2%
- –
Profitability
- 38.1%
- –
- –
- –
- –
Growth
- +6.6%
- +7.3%
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 29%of 900
Bottom 47%of 908
Top 4%of 941
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about St. Galler Kantonalbank
Is St. Galler Kantonalbank a good stock to buy?
A strong, very profitable business at a fair price. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the St. Galler Kantonalbank AI analysis
What does St. Galler Kantonalbank do?
St. Galler Kantonalbank AG, a cantonal bank, provides banking products and services to the local population, and small and middle-sized companies in Switzerland. It is in Banks - Regional, based in Sankt Gallen, Switzerland, with 910 employees.
Is St. Galler Kantonalbank stock halal?
No. St. Galler Kantonalbank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has St. Galler Kantonalbank stock done over the past year?
Up 29.4% over the past twelve months, to CHF 730.00. It traded between CHF 564.00 and CHF 730.00, close to its high.
Who are St. Galler Kantonalbank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with St. Galler Kantonalbank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.