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About The Company

CEO

Mr. Roland Ledergerber

Market Cap

2.87 Billion CHF

Sector

Financial Services

Website

https://www.sgkb.ch

Description

St. Galler Kantonalbank AG, a cantonal bank, provides banking services to the local population, and small and middle-sized companies in the Cantons of St.

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Overview

Value

30

Growth

20

Health

72

Management

16

Analyst Opinion

89

Total

45

All Scores Out Of 100

Best Features

  • Earnings growth has improved recently
  • Has strong financial health
  • Price-to-earnings ratio of 15.8 is lower than the market average (19.6x)
  • Liked by analysts
  • Low preportion of income is paid as dividend

Risk Factors

  • Income is not covering expenditure and investment
  • There is a history of diluting shareholders
  • Has a high level of debt
  • No margin of safety at their current market price
  • Poor earnings and cashflow growth
  • 0

Market Peers

SGKN.SW

Key Figures

PE Ratio (TTM)

15.82

Margin Of Safety (DCF)

-5.23%

Revenue Growth (5 Year Average)

N/A

Ratings Consensus

Strong Buy

Share Buybacks

-0.38%

Dividend Yeild (TTM)

N/A

Valuation

Value Score

30

  • Price-to-earnings ratio of 15.8 is lower than the market average (19.6x)
  • Estimated intrinsic-value of 460.57 CHF is lower than current price ( 479.00 CHF)
  • Free-cashflow-yeild of -2.81% is worse than the market average (4.7%)
  • Margin-of-safety of -5.23% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 459.9 CHF

Current Price: 486 CHF

Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

15.82x

Free Cashflow Yeild

-2.81%

PE/Earnings Growth

N/A

Price/Book

1.05x

Growth

Growth Score

20

  • Earnings growth has improved this year
  • Free Cashflow growth has improved this year
  • 5 Year Average Revenue growth of N/A is lower than the market average (10.97%)
  • Revenue growth has slowed this year
  • 5 Year Average Earnings growth of N/A is lower than the market average (14.48%)
  • 5 Year Average Free Cashflow growth of N/A is lower than the market average (12.35%)

Revenue Growth

N/A

Earnings Growth

N/A

Cashflow Growth

N/A

Health

Health Score

72

  • Assets cover liabilities
  • Normal operation does not require debt to be sustainable
  • Cashflow is negative
  • Has a high level of debt
  • Debt repayments significantly impact cashflow

Altman Z Score

N/A

Piostroski Score

N/A

Debt/Equity

2.51x

Current Assets/Liabilities

1235.25x

Free Cashflow/Total Debt

N/Ax

Debt/Capital

0.90x

Management

Management Score

16

  • Has issued new shares to finance growth when share price is high
  • Return-on-capital-employed of 0.18% is lower than the market average (10%)
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of 1.66% is lower than the market average (15%)

Average Buybacks/Dilution

-0.38%

Recent Buybacks/Dilution

-0.02%

5 Year Price Volitility

8.43%

Return On Assets

0.11%

Return On Capital Employed

0.18%

Return On Equity

1.66%

Return On Free Cashflow

-224.80%

Return On Investments

2.20%

Analysts

Analyst Opinion

89

  • Ratings consensus is Strong Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

St. Galler Kantonalbank AG

Currency

CHF

Beta

0.31647

Vol Avg

1951

Ceo

Mr. Roland Ledergerber

Cik

Cusip

Exchange

Swiss Exchange

Full Time Employees

1319

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

2001-04-02

Address

St. Leonhardstrasse 25

City

ST. GALLEN

State

ST. GALLEN

Country

CH

Zip

9001

Phone

41712313131

All financial data provided by FMP

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