Banque Cantonale du Valais (WKBN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Banque Cantonale du Valais stock CHF 88.56, price CHF 164, that is 45.8% below the price, quality 53 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range CHF 88.53 – CHF 169.50 · fair‑value band CHF 72.61 – CHF 101.21 · the CHF 163.50 price screens above the CHF 88.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Walliser Kantonalbank provides various banking products and services for individuals and companies in Switzerland.
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It offers saving account and savings plus accounts; investment, senior, youth, and gift savings accounts; Euro, start, private, and club accounts; personal loans; energy transition mortgages; and training, eco home, construction, lombard, investment, and renovation loans.
The company also provides debit and credit cards; wealth management and payment services; investment products, such as investment funds, step invest, step life, certificates, cash bonds, and investment calculator; investment services comprising management and consulting mandates; pension and insurance products; occupational pensions; and e-banking, eBill, e-trade, QR-invoice, and mobile banking and payment services.
Walliser Kantonalbank was founded in 1917 and is headquartered in Sion, Switzerland.
Stock analysis
Banque Cantonale du Valais (WKBN) currently trades at CHF 163.50, while our model-based Fair Value estimate is CHF 88.56, 46% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of CHF 96.81 per share, and 0 of the 6 models we run sit above the CHF 163.50 price.
Bear case: the Dividend Discount group reads lowest at CHF 61.24, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: CHF 72.61 (bear) to CHF 101.21 (bull), the price of CHF 163.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Banque Cantonale du Valais reported revenue of CHF 319M in FY2025 versus CHF 247M in FY2021, a compound +6.6%/yr. Reported net income was CHF 85.9M in FY2025, compounding +5.8%/yr from FY2021.
Key figures
Market cap CHF 2.6B Mid · P/E ratio 20.3 · P/S ratio 5.46 · EPS (TTM) CHF 8.05 · Dividend yield 2.4% · Net margin 26.9% · Return on equity 6.7% · Return on assets (EBIT) 0.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −46%, WKBN screens richer than that median.
Fair Value models
BearCHF 72.61Fair Value CHF 88.56BullCHF 101.21
Price CHF 163.50 · Downside -45.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (CHF 3.46 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+15.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Start year 2020 (pandemic). Over 10 years: +4.0% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+7.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.9%
Dividend (yield on the price)2.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.9% vs 3.7%, steady
Profit margin 2005 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.42% → 32%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 6.6%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
AI conclusion: The regional bank's main strength lies in its internal leadership continuity and Strategy 2030 client focus through a new wealth management division, yet its main weak point remains the limited evidence of durable competitive advantages.
Main risk: The organizational shift risks mainly increasing overhead in an already mature regional banking model, which would hit overall profitability.
The bank is creating a dedicated wealth management and institutional clients division while appointing an internal CFO and a new deputy CEO from within its ranks. This organizational shift under Strategy 2030 aims to sharpen client focus yet sits alongside a traditional regional banking model. Our models currently see the stock as overvalued. Will the changes lift returns through stronger asset gathering or mainly increase overhead in an already mature business?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 3/14 measures
Overall it trails its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−45.8% · Bottom 25%
Profitability
Return on equity (12 months)6.7% · Bottom 25%
Return on assets0.4% · Bottom 25%
Net margin (12 months)32.0% · Above median
Operating margin (12 months)51.6% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)3.6% · Below median
Dividend yield (12 months)2.4% · Below median
Balance sheet
Debt / equity1.91× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Banque Cantonale du Valais Fair Value". https://www.fairvalue-calculator.com/stock/WKBN
Frequently asked questions
Is Banque Cantonale du Valais (WKBN) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of CHF 88.56 versus a price of CHF 163.50, about 46% lower (overvalued).
What is the fair value of WKBN?
Our model-based fair value for Banque Cantonale du Valais is CHF 88.56 (as of Nov 6, 2026), built from audited fundamentals. The current price: CHF 163.50.
What is the quality score of WKBN?
Banque Cantonale du Valais has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banque Cantonale du Valais (WKBN)?
Our model-based price target is the fair value of CHF 88.56 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario CHF 72.61, optimistic scenario CHF 101.21. It is a calculation from audited fundamentals, not an analyst target.
What is the Banque Cantonale du Valais stock forecast for 2026?
Our models put fair value at CHF 88.56, about 46% lower versus a price of CHF 163.50 (overvalued). Cautious scenario CHF 72.61, optimistic scenario CHF 101.21. The calculation is refreshed regularly with new filings.
What is the revenue of Banque Cantonale du Valais (WKBN)?
Banque Cantonale du Valais reported trailing-twelve-month revenue of about CHF 276M (latest available figure, as of Nov 6, 2026).
Does Banque Cantonale du Valais pay a dividend?
Banque Cantonale du Valais currently shows a dividend yield of 2.45% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Banque Cantonale du Valais (WKBN) and when is the ex-dividend date?
Banque Cantonale du Valais pays a dividend of CHF 4.00 per share a year, a dividend yield of 2.4%. The last ex-dividend date was Apr 28, 2026. The payout ratio is 49.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Banque Cantonale du Valais (WKBN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banque Cantonale du Valais it is CHF 88.56 per share (as of Nov 6, 2026), against a price of CHF 163.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Banque Cantonale du Valais stock overvalued or undervalued in 2026?
As of Nov 6, 2026, WKBN trades above its calculated fair value: price CHF 163.50, fair value CHF 88.56, a gap of about −46% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WKBN?
No. The price is what the market pays today (CHF 163.50); the fair value is what the company's own numbers justify (CHF 88.56). For Banque Cantonale du Valais the two are CHF 74.94 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banque Cantonale du Valais worth?
The market values Banque Cantonale du Valais at about CHF 2.6B (market capitalisation, as of Nov 6, 2026). Per share that is CHF 163.50; our models calculate a fair value of CHF 88.56 per share.
What do the bullish and bearish scenarios say about WKBN?
Our models span a range for Banque Cantonale du Valais: cautious scenario CHF 72.61, base CHF 88.56, optimistic CHF 101.21 per share (as of Nov 6, 2026, price CHF 163.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WKBN?
Banque Cantonale du Valais trades at a price-to-earnings ratio of 20.3 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of CHF 88.56 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 22.8. Other multiples: P/B 1.5, P/S 9.3, EV/EBITDA 21.2.
How solid is the balance sheet of Banque Cantonale du Valais (WKBN)?
Balance-sheet figures for Banque Cantonale du Valais (as of Nov 6, 2026): return on equity 6.7%, debt of 1.91 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is WKBN from its 52-week high?
Banque Cantonale du Valais trades at CHF 163.50, about 4% below its 52-week high of CHF 169.50 and 31% above the low of CHF 124.78 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 88.56 is for.
Which stocks are comparable to Banque Cantonale du Valais?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banque Cantonale du Valais stock attractive at the current price?
The data as of Nov 6, 2026: price CHF 163.50, calculated fair value CHF 88.56 (−46%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WKBN calculated?
We run Banque Cantonale du Valais through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of CHF 88.56 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Banque Cantonale du Valais itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banque Cantonale du Valais (WKBN)?
The closing price on Nov 6, 2026 was CHF 163.50. Our model-based fair value is CHF 88.56, about 46% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banque Cantonale du Valais right now?
The price sits above even our optimistic bull case (CHF 101.21). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Banque Cantonale du Valais (WKBN) come from?
Earnings per share at Banque Cantonale du Valais grew +2.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.7 %, EBIT margin +0.9 %, tax rate +0.5 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Banque Cantonale du Valais
How large is the market capitalisation of Banque Cantonale du Valais (WKBN)?
The market capitalisation of Banque Cantonale du Valais is CHF 2.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banque Cantonale du Valais (WKBN)?
The price-to-sales ratio of Banque Cantonale du Valais is 5.46 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banque Cantonale du Valais (WKBN)?
Earnings per share at Banque Cantonale du Valais are CHF 8.05 (price ÷ EPS = P/E 20.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banque Cantonale du Valais (WKBN)?
The dividend yield of Banque Cantonale du Valais is 2.4% (payout 49.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banque Cantonale du Valais (WKBN)?
The net margin of Banque Cantonale du Valais is 26.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banque Cantonale du Valais (WKBN)?
The return on equity (ROE) of Banque Cantonale du Valais is 6.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banque Cantonale du Valais (WKBN)?
On an EBIT basis the return on assets of Banque Cantonale du Valais is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banque Cantonale du Valais (WKBN)?
The operating margin of Banque Cantonale du Valais is 51.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banque Cantonale du Valais (WKBN)?
Revenue at Banque Cantonale du Valais is growing +3.6% versus a year earlier (3y avg +7.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banque Cantonale du Valais (WKBN)?
Earnings per share at Banque Cantonale du Valais are growing −4.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banque Cantonale du Valais (WKBN) generate?
The free cash flow of Banque Cantonale du Valais is CHF 582M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Banque Cantonale du Valais (WKBN) carry?
The net debt of Banque Cantonale du Valais is CHF 3.9B (fiscal year 2025, ≈ 6.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 6, 2026