St. Galler Kantonalbank AG (0QQZ) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of St. Galler Kantonalbank AG £484, price £695, upside -30.4%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range £405.45 – £713.00 · fair‑value band £457.62 – £560.05 · the £695.00 price screens above the £484.07 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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St. Galler Kantonalbank AG, a cantonal bank, provides banking products and services to the local population, and small and middle-sized companies in Switzerland.
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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 offers asset management products, including investment packages and structured products; equities, derivatives, bonds, in-house and third-party funds, and customized structured products; services, such as mortgages, Lombard loans, sureties, guarantees, etc.; and financial planning services comprising succession planning, inheritance advice, retirement planning, and wealth tax advisory services, as well as inheritance advice, payment transaction, and e-banking 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.
Stock analysis
St. Galler Kantonalbank AG (0QQZ) currently trades at £695.00, while our model-based Fair Value estimate is £484.07, 30.4% 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 £693.11 per share, and 1 of the 6 models we run sit above the £695.00 price.
Bear case: the Dividend Discount group reads lowest at £156.87, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: £457.62 (bear) to £560.05 (bull), the price of £695.00 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 47/100 (below-average quality), in the Industrials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
St. Galler Kantonalbank AG reported revenue of £869M in FY2025 versus £582M in FY2021, a compound +10.5%/yr. Reported net income was £227M in FY2025, compounding +5.8%/yr from FY2021.
Key figures
Market cap £4.2B · P/E ratio 0.2 · P/S ratio 0.06 · EPS (TTM) £30.29 · Dividend yield 2.9% · Net margin 26.1% · Return on equity 7.4% · Return on assets (EBIT) 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −36% fair-value upside, at −30%, 0QQZ screens cheaper than that median.
Fair Value models
Bear £457.62Fair Value £484.07Bull £560.05
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£7.78 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.Evidence ⓘEvidence = 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.60/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
+21.6%
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.
+12.4%
Revenue growth 20 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.
+1.8%
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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.
+8.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.0%
Dividend (yield on the price)2.9%
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.6.0% vs 4.0%, steady
Profit margin 2018 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.32% → 31%
Compare St. Galler Kantonalbank AG with another stock
Price, fair value, quality and upside side by side.
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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 · 1053 stocks
Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−30.3% · Below median
Profitability
Return on equity (TTM)7.4% · Below median
Return on assets0.5% · Bottom 25%
Net margin (TTM)38.5% · Top 25%
Operating margin (TTM)45.0% · Above median
Growth and dividend
Revenue growth5.1% · Below median
Dividend yield (TTM)2.9% · Above median
Balance sheet
Debt / equity2.15× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)0.2× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)26· sector 47
PAST (return on equity)30· sector 41
HEALTH (low debt)0· sector 84
DIVIDEND (yield)58· sector 52
VALUE 0: the price sits above our fair-value range.
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). "St. Galler Kantonalbank AG Fair Value". https://www.fairvalue-calculator.com/stock/0QQZ
Frequently asked questions
Is St. Galler Kantonalbank AG (0QQZ) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £484.07 versus a price of £695.00, about −30% upside (overvalued).
What is the fair value of 0QQZ?
Our model-based fair value for St. Galler Kantonalbank AG is £484.07 (as of Sep 24, 2026), built from audited fundamentals. The current price: £695.00.
What is the quality score of 0QQZ?
St. Galler Kantonalbank AG has a Quality Score of 47/100. 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 St. Galler Kantonalbank AG (0QQZ)?
Our model-based price target is the fair value of £484.07 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario £457.62, optimistic scenario £560.05. It is a calculation from audited fundamentals, not an analyst target.
What is the St. Galler Kantonalbank AG stock forecast for 2026?
Our models put fair value at £484.07, about −30% upside versus a price of £695.00 (overvalued). Cautious scenario £457.62, optimistic scenario £560.05. The calculation is refreshed regularly with new filings.
What is the revenue of St. Galler Kantonalbank AG (0QQZ)?
St. Galler Kantonalbank AG reported trailing-twelve-month revenue of about £590M (latest available figure, as of Sep 24, 2026).
Does St. Galler Kantonalbank AG pay a dividend?
St. Galler Kantonalbank AG currently shows a dividend yield of about 2.88% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of St. Galler Kantonalbank AG (0QQZ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For St. Galler Kantonalbank AG it is £484.07 per share (as of Sep 24, 2026), against a price of £695.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is St. Galler Kantonalbank AG stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0QQZ trades above its calculated fair value: price £695.00, fair value £484.07, a gap of about −30% (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 0QQZ?
No. The price is what the market pays today (£695.00); the fair value is what the company's own numbers justify (£484.07). For St. Galler Kantonalbank AG the two are £210.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is St. Galler Kantonalbank AG worth?
The market values St. Galler Kantonalbank AG at about £4.2B (market capitalisation, as of Sep 24, 2026). Per share that is £695.00; our models calculate a fair value of £484.07 per share.
What do the bullish and bearish scenarios say about 0QQZ?
Our models span a range for St. Galler Kantonalbank AG: cautious scenario £457.62, base £484.07, optimistic £560.05 per share (as of Sep 24, 2026, price £695.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0QQZ?
St. Galler Kantonalbank AG trades at a price-to-earnings ratio of 0.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £484.07 is built from several models across several years.
How solid is the balance sheet of St. Galler Kantonalbank AG (0QQZ)?
Balance-sheet figures for St. Galler Kantonalbank AG (as of Sep 24, 2026): return on equity 7.4%, debt of 2.15 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 0QQZ from its 52-week high?
St. Galler Kantonalbank AG trades at £695.00, about 3% below its 52-week high of £713.00 and 38% above the low of £502.70 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of £484.07 is for.
Which stocks are comparable to St. Galler Kantonalbank AG?
From the same area (Industrials) we also value DBS Group, China Merchants Bank Co, 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 St. Galler Kantonalbank AG stock attractive at the current price?
The data as of Sep 24, 2026: price £695.00, calculated fair value £484.07 (−30%), Quality Score 47/100, 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 0QQZ calculated?
We run St. Galler Kantonalbank AG through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £484.07, 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 14.5 % above its aggregate fair value. St. Galler Kantonalbank AG 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 St. Galler Kantonalbank AG (0QQZ)?
The closing price on Oct 2, 2026 was £695.00. Our model-based fair value is £484.07, about −30% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with St. Galler Kantonalbank AG right now?
The price sits above even our optimistic bull case (£560.05). The favourable scenario is already priced in. Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.
Where does the earnings growth of St. Galler Kantonalbank AG (0QQZ) come from?
Earnings per share at St. Galler Kantonalbank AG grew +4.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.2 %, EBIT margin +0.1 %, tax rate +0.3 %, residual (interest, one-offs) −0.4 %. 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 St. Galler Kantonalbank AG
How large is the market capitalisation of St. Galler Kantonalbank AG (0QQZ)?
The market capitalisation of St. Galler Kantonalbank AG is £4.2B. 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 St. Galler Kantonalbank AG (0QQZ)?
The price-to-sales ratio of St. Galler Kantonalbank AG is 0.06 (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 St. Galler Kantonalbank AG (0QQZ)?
Earnings per share at St. Galler Kantonalbank AG are £30.29 (price ÷ EPS = P/E 0.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of St. Galler Kantonalbank AG (0QQZ)?
The dividend yield of St. Galler Kantonalbank AG is 2.9% (payout 66.0%). 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 St. Galler Kantonalbank AG (0QQZ)?
The net margin of St. Galler Kantonalbank AG is 26.1% (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 St. Galler Kantonalbank AG (0QQZ)?
The return on equity (ROE) of St. Galler Kantonalbank AG is 7.4% (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 St. Galler Kantonalbank AG (0QQZ)?
On an EBIT basis the return on assets of St. Galler Kantonalbank AG is 0.6% (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 St. Galler Kantonalbank AG (0QQZ)?
The operating margin of St. Galler Kantonalbank AG is 45.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at St. Galler Kantonalbank AG (0QQZ)?
Revenue at St. Galler Kantonalbank AG is growing +5.1% versus a year earlier (3y avg +12.5%). 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 St. Galler Kantonalbank AG (0QQZ)?
Earnings per share at St. Galler Kantonalbank AG are growing −1.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does St. Galler Kantonalbank AG (0QQZ) generate?
The free cash flow of St. Galler Kantonalbank AG is −£1.2B (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 St. Galler Kantonalbank AG (0QQZ) carry?
The net debt of St. Galler Kantonalbank AG is £4.4B (fiscal year 2025). 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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