St Galler Kantonalbank AG

SW:SGKN Switzerland Banks - Regional
Market Cap
$4.41 Billion
CHF4.04 Billion CHF
Market Cap Rank
#3275 Global
#13 in Switzerland
Share Price
CHF675.00
Change (1 day)
+1.35%
52-Week Range
CHF465.00 - CHF675.00
All Time High
CHF675.00
Categories
Companies in Switzerland Banks - Regional Banking & Financial
About

St. Galler Kantonalbank AG, a cantonal bank, provides banking products and services to the local population, and small and middle-sized companies in the Cantons of St. Gallen and Appenzell Ausserrhoden. It offers asset management products, including investment funds and packages, and structured products; derivatives, bonds, in-house and third-party funds, and customized structured products; servi… Read more

St Galler Kantonalbank AG (SGKN) - Net Assets

Latest net assets as of December 2025: CHF3.12 Billion CHF

Based on the latest financial reports, St Galler Kantonalbank AG (SGKN) has net assets worth CHF3.12 Billion CHF as of December 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CHF48.14 Billion) and total liabilities (CHF45.02 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets CHF3.12 Billion
% of Total Assets 6.48%
Annual Growth Rate 4.22%
5-Year Change 16.17%
10-Year Change 45.16%
Growth Volatility 4.1

St Galler Kantonalbank AG - Net Assets Trend (2004–2025)

This chart illustrates how St Galler Kantonalbank AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for St Galler Kantonalbank AG (2004–2025)

The table below shows the annual net assets of St Galler Kantonalbank AG from 2004 to 2025.

Year Net Assets Change
2025-12-31 CHF3.12 Billion +3.73%
2024-12-31 CHF3.01 Billion +3.56%
2023-12-31 CHF2.90 Billion +4.76%
2022-12-31 CHF2.77 Billion +3.23%
2021-12-31 CHF2.68 Billion +3.60%
2020-12-31 CHF2.59 Billion +1.54%
2019-12-31 CHF2.55 Billion +10.73%
2018-12-31 CHF2.30 Billion +3.09%
2017-12-31 CHF2.24 Billion +4.07%
2016-12-31 CHF2.15 Billion +3.53%
2015-12-31 CHF2.07 Billion +2.36%
2014-12-31 CHF2.03 Billion +3.29%
2013-12-31 CHF1.96 Billion +1.46%
2012-12-31 CHF1.93 Billion +3.81%
2011-12-31 CHF1.86 Billion +1.81%
2010-12-31 CHF1.83 Billion +1.87%
2009-12-31 CHF1.80 Billion +2.99%
2008-12-31 CHF1.74 Billion +0.27%
2007-12-31 CHF1.74 Billion +1.98%
2006-12-31 CHF1.71 Billion +9.22%
2005-12-31 CHF1.56 Billion +19.32%
2004-12-31 CHF1.31 Billion --

Equity Component Analysis

This analysis shows how different components contribute to St Galler Kantonalbank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 334.3% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings CHF2.61 Billion 83.84%
Common Stock CHF479.49 Million 15.38%
Other Components CHF24.41 Million 0.78%
Total Equity CHF3.12 Billion 100.00%

St Galler Kantonalbank AG Competitors by Market Cap

The table below lists competitors of St Galler Kantonalbank AG ranked by their market capitalization.

Company Market Cap
Wangsu Science Tech
SHE:300017
 		$4.01 Billion
Haidilao International Holding Ltd
PINK:HDALF
 		$4.01 Billion
Unite Group PLC
PINK:UTGPF
 		$4.01 Billion
ACI Worldwide Inc
NASDAQ:ACIW
 		$4.01 Billion
Shenghe Resources Holding Co Ltd
SHG:600392
 		$4.00 Billion
SG Micro Corp
SHE:300661
 		$4.00 Billion
IES Holdings Inc
NASDAQ:IESC
 		$4.00 Billion
Sino Biopharmaceutical Limited
PINK:SBMFF
 		$4.00 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in St Galler Kantonalbank AG's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 3,005,939,000 to 3,118,001,000, a change of 112,062,000 (3.7%).
  • Net income of 226,978,000 contributed positively to equity growth.
  • Other comprehensive income decreased equity by 31,465,999.
  • Other factors decreased equity by 83,450,001.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income CHF226.98 Million +7.28%
Other Comprehensive Income CHF-31.47 Million -1.01%
Other Changes CHF-83.45 Million -2.68%
Total Change CHF- 3.73%

Book Value vs Market Value Analysis

This analysis compares St Galler Kantonalbank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 1.30x
  • The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
  • The price-to-book ratio has decreased from 2.90x to 1.30x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2004-12-31 CHF232.90 CHF675.00 x
2005-12-31 CHF278.58 CHF675.00 x
2006-12-31 CHF305.31 CHF675.00 x
2007-12-31 CHF312.13 CHF675.00 x
2008-12-31 CHF313.48 CHF675.00 x
2009-12-31 CHF323.65 CHF675.00 x
2010-12-31 CHF328.71 CHF675.00 x
2011-12-31 CHF334.60 CHF675.00 x
2012-12-31 CHF346.69 CHF675.00 x
2013-12-31 CHF351.04 CHF675.00 x
2014-12-31 CHF356.58 CHF675.00 x
2015-12-31 CHF364.61 CHF675.00 x
2016-12-31 CHF377.57 CHF675.00 x
2017-12-31 CHF392.79 CHF675.00 x
2018-12-31 CHF404.88 CHF675.00 x
2019-12-31 CHF440.51 CHF675.00 x
2020-12-31 CHF432.80 CHF675.00 x
2021-12-31 CHF448.51 CHF675.00 x
2022-12-31 CHF463.07 CHF675.00 x
2023-12-31 CHF485.07 CHF675.00 x
2024-12-31 CHF502.37 CHF675.00 x
2025-12-31 CHF521.09 CHF675.00 x

Capital Efficiency Dashboard

This dashboard shows how efficiently St Galler Kantonalbank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 7.28%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 37.83%
  • • Asset Turnover: 0.01x
  • • Equity Multiplier: 15.44x
  • Recent ROE (7.28%) is below the historical average (8.00%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2004 8.78% 15.73% 0.04x 14.18x CHF-16.00 Million
2005 10.78% 31.57% 0.03x 12.24x CHF12.13 Million
2006 13.40% 41.36% 0.03x 11.61x CHF57.99 Million
2007 13.03% 40.81% 0.03x 11.63x CHF52.73 Million
2008 9.81% 32.25% 0.02x 12.94x CHF-3.29 Million
2009 9.36% 32.11% 0.02x 13.08x CHF-11.49 Million
2010 8.00% 29.85% 0.02x 13.32x CHF-36.66 Million
2011 7.29% 28.20% 0.02x 13.99x CHF-50.57 Million
2012 7.83% 30.26% 0.02x 14.29x CHF-42.05 Million
2013 5.54% 22.33% 0.02x 14.19x CHF-87.56 Million
2014 7.22% 32.59% 0.01x 15.01x CHF-56.40 Million
2015 6.43% 30.05% 0.01x 15.03x CHF-74.06 Million
2016 6.80% 33.48% 0.01x 14.99x CHF-68.75 Million
2017 6.98% 35.29% 0.01x 14.58x CHF-67.57 Million
2018 6.88% 36.38% 0.01x 14.38x CHF-71.85 Million
2019 6.42% 35.46% 0.01x 14.09x CHF-91.24 Million
2020 6.45% 35.97% 0.01x 14.88x CHF-91.87 Million
2021 6.75% 36.56% 0.01x 14.75x CHF-87.16 Million
2022 6.63% 37.38% 0.01x 14.73x CHF-93.33 Million
2023 7.14% 36.81% 0.01x 14.24x CHF-83.07 Million
2024 7.16% 38.34% 0.01x 15.16x CHF-85.51 Million
2025 7.28% 37.83% 0.01x 15.44x CHF-84.82 Million

Industry Comparison

This section compares St Galler Kantonalbank AG's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

  • Industry: Banks - Regional
  • Average net assets among peers: $2,174,241,189
  • Average return on equity (ROE) among peers: 6.54%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
St Galler Kantonalbank AG (SGKN) CHF3.12 Billion 8.78% 14.44x $4.00 Billion
Banque Cantonale de Geneve (BCGE) $1.83 Billion 6.85% 14.48x $825.51 Million
Banque Cantonale Du Jura SA (BCJ) $239.43 Million 4.02% 11.56x $118.37 Million
Banque Cantonale Vaudoise (BCVN) $3.40 Billion 9.90% 11.78x $3.84 Billion
Berner Kantonalbank AG (BEKN) $3.08 Billion 5.69% 12.94x $3.61 Billion
Basellandschaftliche Kantonalbank (BLKB) $2.73 Billion 4.76% 11.72x $721.98 Million
Basler Kantonalbank (BSKP) $3.14 Billion 7.29% 11.47x $595.92 Million
Thurgauer Kantonalbank (TKBP) $2.46 Billion 5.92% 11.26x $790.68 Million
Valiant Holding AG (VATN) $1.64 Billion 9.06% 12.95x $2.38 Billion
Banque Cantonale du Valais (WKBN) $1.05 Billion 5.35% 11.40x $755.90 Million