Banque Cantonale du Valais (WKBN) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Banque Cantonale du Valais CHF 78.71, price CHF 163, upside -51.7%, quality 44 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 CHF 88.53 – CHF 163.00 · fair‑value band CHF 59.04 – CHF 98.39 · the CHF 163.00 price screens above the CHF 78.71 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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Walliser Kantonalbank provides various banking products and services for individuals and companies in Switzerland.
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Walliser Kantonalbank provides various banking products and services for individuals and companies in Switzerland. 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 163.00, while our model-based Fair Value estimate is CHF 78.71, implying the stock looks roughly 107.1% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of CHF 84.47 per share, and 0 of the 6 models we run sit above the CHF 163.00 price.
Bear case: the Dividend Discount group reads lowest at CHF 50.20, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: CHF 59.04 (bear) to CHF 98.39 (bull), the price of CHF 163.00 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 44/100 (below-average 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 · P/E ratio 20.7 · P/S ratio 5.55 · EPS (TTM) CHF 7.89 · Dividend yield 2.5% · Net margin 26.9% · Return on equity 5.1% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades at 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 −38% fair-value upside, at −52%, WKBN screens richer than that median.
Fair Value models
Bear CHF 59.04Fair Value CHF 78.71Bull CHF 98.39
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 (CHF 2.85 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.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.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.
+7.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.9%
Dividend (yield on the price)2.5%
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.5% vs 4%, 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%
Start year 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.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−13.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Switzerland: IMF forecast 0.6% a year to 2030, 0.8% from 2016 to 2025) that is about −13.6% a year for the price.
Compare Banque Cantonale du Valais 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 · 1074 stocks
Beats the industry median on 2/14 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−52% · Bottom 25%
Profitability
Return on equity (TTM)5% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)32% · Above median
Operating margin (TTM)25% · Bottom 25%
Growth and dividend
Revenue growth−12% · Bottom 25%
Dividend yield (TTM)2.5% · Below median
Balance sheet
Debt / equity1.91× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)20.7× · Priciest 25%
P/B1.83× · Priciest 25%
P/S (TTM)11.51× · Priciest 25%
P/FCF5.4× · Cheaper than median
EV/EBITDA26.0× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)0· sector 45
PAST (return on equity)20· sector 41
HEALTH (low debt)5· sector 85
DIVIDEND (yield)49· sector 53
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). "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 Sep 24, 2026, our model estimates a fair value of CHF 78.71 versus a price of CHF 163.00, about −52% upside (overvalued).
What is the fair value of WKBN?
Our model-based fair value for Banque Cantonale du Valais is CHF 78.71 (as of Sep 24, 2026), built from audited fundamentals. The current price: CHF 163.00.
What is the quality score of WKBN?
Banque Cantonale du Valais has a Quality Score of 44/100. 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 78.71 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario CHF 59.04, optimistic scenario CHF 98.39. 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 78.71, about −52% upside versus a price of CHF 163.00 (overvalued). Cautious scenario CHF 59.04, optimistic scenario CHF 98.39. 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 271M (latest available figure, as of Sep 24, 2026).
Does Banque Cantonale du Valais pay a dividend?
Banque Cantonale du Valais currently shows a dividend yield of about 2.45% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Banque Cantonale du Valais (WKBN)?
For today's price to be fair in a discounted-cash-flow model, Banque Cantonale du Valais would have to grow free cash flow by -13.0 % per year for five years (discount rate 8.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of WKBN use?
Our models discount Banque Cantonale du Valais at 8.3 %: a base by market capitalisation (mid), damped by beta 0.07, country premium for Switzerland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Banque Cantonale du Valais that is -13.0 % per year a year over ten years, using the same discount rate (8.3 %) and the same formula as our fair value.
How much growth has Banque Cantonale du Valais (WKBN) delivered so far?
Over the past 5 years revenue at Banque Cantonale du Valais grew +7.2 % a year. The price currently implies -13.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Banque Cantonale du Valais (WKBN) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Banque Cantonale du Valais (-13.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Banque Cantonale du Valais (WKBN)?
The free-cash-flow yield on the price is 22.59 %: that much free cash flow Banque Cantonale du Valais produces per unit of market value. When it exceeds the discount rate of our models (8.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 78.71 per share (as of Sep 24, 2026), against a price of CHF 163.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banque Cantonale du Valais stock overvalued or undervalued in 2026?
As of Sep 24, 2026, WKBN trades above its calculated fair value: price CHF 163.00, fair value CHF 78.71, a gap of about −52% (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 163.00); the fair value is what the company's own numbers justify (CHF 78.71). For Banque Cantonale du Valais the two are CHF 84.29 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 Sep 24, 2026). Per share that is CHF 163.00; our models calculate a fair value of CHF 78.71 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 59.04, base CHF 78.71, optimistic CHF 98.39 per share (as of Sep 24, 2026, price CHF 163.00). 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 20.7 (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 CHF 78.71 is built from several models across several years. Other multiples: P/B 1.8, P/S 11.5, EV/EBITDA 26.0.
How solid is the balance sheet of Banque Cantonale du Valais (WKBN)?
Balance-sheet figures for Banque Cantonale du Valais (as of Sep 24, 2026): return on equity 5.1%, debt of 1.91 per unit of equity. They feed the Quality Score of 44/100, 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 163.00, at its 52-week high of CHF 163.00 and 31% above the low of CHF 124.29 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 78.71 is for.
Which stocks are comparable to Banque Cantonale du Valais?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price CHF 163.00, calculated fair value CHF 78.71 (−52%), Quality Score 44/100, 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 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 CHF 78.71, 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 14.1 % 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 Sep 23, 2026 was CHF 163.00. Our model-based fair value is CHF 78.71, about −52% upside (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 98.39). The favourable scenario is already priced in. Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 5.55 (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 7.89 (price ÷ EPS = P/E 20.7). 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 2.5% (payout 50.7%). 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 5.1% (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 25.5% (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 −11.9% 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 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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