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Graubuendner Kantonalbank
(GRKP)
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Rating:67Neutral
Price Target:
CHF2,593.00
▲(50.32% Upside)
Action:Reiterated
Date:08/06/26
Overall score reflects solid profitability and a clear 2025 revenue rebound, tempered most by increased 2025 leverage and highly erratic cash-flow patterns. Technicals are a secondary positive (uptrend with supportive momentum), while valuation is a modest headwind due to a relatively high P/E despite a ~2% dividend yield.
Positive Factors
High net margins and durable profitability
Sustained high net margins (33%–42% across 2020–2025) indicate a structurally profitable business model. For a regional cantonal bank this margin cushion supports resilience to credit cycles, funds reinvestment and dividends, and underpins predictable core earnings over the medium term.
Negative Factors
Marked increase in leverage
Leverage nearly doubled in 2025 (D/E ~3.92x vs ~2.10x in 2024), raising balance-sheet sensitivity to funding and credit shocks. Higher absolute debt increases refinancing and liquidity risk, constrains capital management flexibility and elevates downside risk in stressed scenarios over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
High net margins and durable profitability
Sustained high net margins (33%–42% across 2020–2025) indicate a structurally profitable business model. For a regional cantonal bank this margin cushion supports resilience to credit cycles, funds reinvestment and dividends, and underpins predictable core earnings over the medium term.
Read all positive factors
Graubuendner Kantonalbank (GRKP) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF1.78B
Dividend Yield2%
Average Volume (3M)199.00
Price to Earnings (P/E)27.4
Beta (1Y)-0.10
Revenue Growth-16.57%
EPS Growth-0.53%
CountryCH
Employees1,153
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding750,000
10 Day Avg. Volume219
30 Day Avg. Volume199
Financial Highlights & Ratios
PEG Ratio-43.90
Price to Book (P/B)1.54
Price to Sales (P/S)6.91
P/FCF Ratio43.77
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Graubuendner Kantonalbank Business Overview & Revenue Model
Company Description
Graubündner Kantonalbank (GKB) caters to a broad spectrum of clients, including both private individuals and commercial enterprises, with a comprehensive suite of banking and financial services. Its offerings encompass various account types, such ...
How the Company Makes Money
GKB makes money mainly through a mix of net interest income, fee and commission income, and investment/trading-related income typical of a universal/cantonal bank.
1) Net interest income (core earnings driver)
- The bank collects interest on lend...
Graubuendner Kantonalbank Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
62
Positive
Cash Flow
45
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 661.15M | 528.41M | 525.91M | 478.19M | 438.72M |
| Gross Profit | 559.91M | 510.39M | 501.00M | 460.49M | 456.18M |
| EBITDA | 248.75M | 242.22M | 268.78M | 219.47M | 232.62M |
| Net Income | 216.29M | 217.46M | 218.29M | 197.78M | 184.23M |
Balance Sheet | |||||
| Total Assets | 36.31B | 35.60B | 32.77B | 33.25B | 32.79B |
| Cash, Cash Equivalents and Short-Term Investments | 8.21B | 8.02B | 6.32B | 7.74B | 8.91B |
| Total Debt | 11.65B | 6.21B | 6.26B | 9.71B | 10.24B |
| Total Liabilities | 33.30B | 32.60B | 29.83B | 30.38B | 29.97B |
| Stockholders Equity | 2.97B | 2.95B | 2.89B | 2.81B | 2.78B |
Cash Flow | |||||
| Free Cash Flow | 104.36M | 807.13M | -1.17B | 159.60M | 247.18M |
| Operating Cash Flow | 136.03M | 822.87M | -1.15B | 221.62M | 311.80M |
| Investing Cash Flow | -488.79M | -675.53M | -1.86B | -1.58B | 286.25M |
| Financing Cash Flow | 542.99M | 1.61B | -91.47M | 193.48M | 133.46M |
Graubuendner Kantonalbank Peers Comparison
UnderperformOutperform
Sector (55)
CH:GRKP
Graubuendner Kantonalbank
2,400.00
678.53
39.42%
GB:0QM2
Berner Kantonalbank AG
383.00
133.31
53.39%
GB:0RE6
Walliser Kantonalbank
161.50
37.74
30.49%
DE:1Y61
Zuger Kantonalbank AG
11,000.00
2,111.42
23.75%
DE:TK2A
Thurgauer Kantonalbank
163.00
11.96
7.92%
CH:BLKB
Basellandschaftliche Kantonalbank
1,110.00
257.87
30.26%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.