Walliser Kantonalbank (WKBN) AI Stock Analysis

• Market Cap: CHF2.00B
• Dividend Yield: 3.23%
• Average Volume (3M): 1.12K
• Price to Earnings (P/E): 23.8
• Beta (1Y): 0.12
• Revenue Growth: -8.80%
• EPS Growth: -5.90%
• Country: CH
• Employees: 492
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 5.77
• Shares Outstanding: 15,800,000
• 10 Day Avg. Volume: 1,096
• 30 Day Avg. Volume: 1,122
• PEG Ratio: 109.78
• Price to Book (P/B): 1.05
• Price to Sales (P/S): 6.22
• P/FCF Ratio: 3.17
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: ―

The overall stock score of 74 reflects Walliser Kantonalbank's strong financial performance, particularly its high liquidity and low leverage. The positive technical trends support a stable outlook, although the low volatility suggests limited upside potential. The valuation indicates the stock is fairly priced, with a dividend yield that enhances its attractiveness to investors seeking stable income.

Walliser Kantonalbank Business Overview & Revenue Model

Company Description

Walliser Kantonalbank provides various banking products and services in Switzerland. It offers Euro and savings plus accounts; mortgages and credits; investment products; provident and insurance products; wealth management services; and e-trade, e-banking, and mobile banking services, as well as leases equipment. The company operates through a network of 30 stores and 13 representative offices; and 76 ATMs, 14 deposit machines, and 7 multifunction machines. Walliser Kantonalbank was founded in 1917 and is headquartered in Sion, Switzerland.

How the Company Makes Money

Walliser Kantonalbank generates revenue through various streams, primarily driven by interest income from loans and mortgages, fees from financial services, and investment activities. The bank earns interest by providing loans to individuals and businesses at rates higher than the interest it pays on deposits. It also charges fees for services such as account management, payment processing, and wealth management. Additionally, WKBN benefits from investment income derived from managing assets and securities. The bank maintains strategic partnerships with other financial institutions to enhance its service offerings and expand its reach, contributing to its revenue growth.

Walliser Kantonalbank Financial Statement Overview

Summary

Walliser Kantonalbank demonstrates robust financial health with strong liquidity and low leverage. Despite slight income volatility, the bank maintains profitability. The positive cash flow turnaround points to enhanced operational efficiency and cash management, supporting resilience in a competitive regional banking environment.

Income Statement

The income statement shows a relatively stable revenue over the years, with a noticeable dip in 2024. Gross profit margins are consistent, indicating efficient core operations. The absence of EBIT and EBITDA figures in the latest year suggests a change in reporting or operational strategy. Net profit margin remained stable but slightly lower compared to the previous year, reflecting controlled costs amidst revenue fluctuations.

Balance Sheet

The balance sheet is strong with high liquidity as evidenced by substantial cash and equivalents. The company has zero debt in the latest year, significantly improving its debt-to-equity ratio. Stockholders' equity has increased, enhancing the equity ratio. These factors indicate financial stability and low leverage risk, which are crucial for regional banks.

Cash Flow

Cash flow analysis reveals a strong recovery in operating cash flow, turning positive in 2024 after a negative previous year. Free cash flow also improved significantly, indicating efficient capital management. The trends suggest improved cash generation capability, supporting future growth and investment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	349.12M	277.12M	296.75M	256.54M	247.13M	226.04M
Gross Profit	289.79M	277.12M	296.75M	277.91M	228.17M	262.29M
EBITDA	104.40M	0.00	120.97M	0.00	0.00	0.00
Net Income	85.38M	90.47M	90.36M	72.89M	68.50M	67.35M
Balance Sheet
Total Assets	21.87B	20.86B	20.11B	19.31B	18.50B	18.07B
Cash, Cash Equivalents and Short-Term Investments	0.00	3.56B	3.07B	3.14B	3.29B	3.16B
Total Debt	7.40B	6.97B	6.67B	6.14B	6.04B	6.02B
Total Liabilities	20.23B	19.22B	18.54B	17.83B	17.07B	16.68B
Stockholders Equity	1.65B	1.64B	1.57B	1.49B	1.43B	1.39B
Cash Flow
Free Cash Flow	543.15M	543.15M	-85.66M	284.58M	78.72M	79.21M
Operating Cash Flow	562.20M	562.20M	69.59M	297.10M	93.62M	90.77M
Investing Cash Flow	-412.75M	-19.05M	-771.22M	-906.27M	-563.04M	-965.88M
Financing Cash Flow	-464.14M	-464.14M	632.44M	458.22M	598.65M	1.40B

Walliser Kantonalbank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 129.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:WKBN, the sentiment is Positive. The current price of 129.5 is above the 20-day moving average (MA) of 128.13, above the 50-day MA of 127.69, and above the 200-day MA of 121.30, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 60.18 is Neutral, neither overbought nor oversold. The STOCH value of 53.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:WKBN.

Walliser Kantonalbank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TKBP	76 Outperform	€636.00M	4.04	5.67%	2.13%	-13.79%	-1.57%
WKBN	74 Outperform	CHF2.00B	23.78	5.30%	3.23%	-8.80%	-5.90%
BEKN	74 Outperform	CHF2.39B	13.16	7.71%	4.02%	-8.54%	3.88%
ZUGER	70 Outperform	€2.54B	19.07	8.80%	2.50%	-5.21%	9.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
VATN	61 Neutral	CHF2.08B	13.65	5.80%	4.40%	-7.37%	2.85%