Graubuendner Kantonalbank (CH:GRKP)
:GRKP
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Graubuendner Kantonalbank
(GRKP)
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Rating:69Neutral
Price Target:
CHF2,354.00
▲(36.46% Upside)
Action:ReiteratedDate:04/01/26
The score is driven primarily by solid profitability and a 2025 revenue re-acceleration, partially offset by increased balance-sheet leverage and highly volatile cash flows. Technicals are supportive with a clear uptrend, while valuation looks somewhat full given the P/E and a modest dividend yield.
Positive Factors
High and stable profitability
GKB exhibits a durable, high-margin earnings profile with net margins ~33%–42% and stable net income in the 173M–218M range. Such sustained profitability supports internal capital generation, underwriting capacity and resilience across business cycles over the medium term.
Negative Factors
Material increase in leverage
Leverage nearly doubled in 2025, increasing balance-sheet sensitivity to funding shocks, interest rate moves and credit losses. Higher debt-to-equity constrains financial flexibility, may raise funding costs and amplifies downside risk to capital ratios during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
High and stable profitability
GKB exhibits a durable, high-margin earnings profile with net margins ~33%–42% and stable net income in the 173M–218M range. Such sustained profitability supports internal capital generation, underwriting capacity and resilience across business cycles over the medium term.
Read all positive factors
Graubuendner Kantonalbank (GRKP) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF1.63B
Dividend Yield2.6%
Average Volume (3M)199.00
Price to Earnings (P/E)21.1
Beta (1Y)-0.07
Revenue GrowthN/A
EPS GrowthN/A
CountryCH
Employees660
SectorFinancial
Sector Strength70
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 provides various banking and products services to private individuals and companies. It offers private and savings accounts; stock deposit, foreign currency, current, and rent accounts; and business and corporate cards, ma...
How the Company Makes Money
Graubuendner Kantonalbank makes money mainly through a traditional universal-banking model built around interest income and fee-based services.
1) Net interest income (core earnings driver): The bank collects interest on loans—especially mortgage...
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 | 0.00 | 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 (68)
CH:GRKP
Graubuendner Kantonalbank
2,170.00
487.65
28.99%
GB:0QM2
Berner Kantonalbank AG
408.75
175.86
75.51%
GB:0RE6
Walliser Kantonalbank
157.00
42.18
36.74%
DE:1Y61
Zuger Kantonalbank AG
11,200.00
5,683.77
103.04%
DE:TK2A
Thurgauer Kantonalbank
200.00
109.27
120.43%
CH:BLKB
Basellandschaftliche Kantonalbank
1,095.00
254.44
30.27%
Graubuendner Kantonalbank Corporate Events
Graubündner Kantonalbank Posts Solid 2025 Profit and Highlights Regional Impact
Mar 27, 2026
Graubündner Kantonalbank, a leading universal bank in Graubünden with over 1,000 employees, serves private, corporate and public-sector clients, and reinforces its regional role through sponsorships, an engagement fund, art holdings and ...
Graubündner Kantonalbank Delivers Solid 2025 Profit and Confirms Strategic Strength
Feb 27, 2026
Graubündner Kantonalbank reported a solid 2025 financial year, posting a group profit of CHF 224.6 million, just 2.1% below the prior year, despite persistent pressure from a low interest rate environment. The bank’s two-pillar model, c...
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.
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