Glarner Kantonalbank (XSWX:GLKBN) Net Interest Margin (Bank Only) %: 0.72% (As of Dec. 2025)


XSWX:GLKBN Glarner Kantonalbank XSWX:GLKBN
58 GF Score
Price CHF23.60
GF Value CHF21.84
Valuation Fairly Valued
! 6 Warning Signs
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What is Glarner Kantonalbank Net Interest Margin (Bank Only) %?

Glarner Kantonalbank XSWX:GLKBN +0.43% 58 Net Interest Margin (Bank Only) % is 0.72% as of Dec. 2025. GuruFocus rates XSWX:GLKBN with a GF Score™ of 58/100 and a GF Value™ of CHF21.84 (Fairly Valued). The stock has 6 warning signs investors should review.

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Glarner Kantonalbank's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2025 was CHF50.24 Mil. Glarner Kantonalbank's average earning assets for the quarter that ended in Dec. 2025 was CHF6,956.54 Mil. Therefore, Glarner Kantonalbank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 was 0.72%.


Glarner Kantonalbank  (XSWX:GLKBN) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Glarner Kantonalbank Net Interest Margin (Bank Only) % Related Terms


Glarner Kantonalbank Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Glarner Kantonalbank's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Glarner Kantonalbank Net Interest Margin (Bank Only) % Chart

Glarner Kantonalbank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.18 1.07 1.03 0.89 0.81

Glarner Kantonalbank Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.99 1.03 0.71 0.91 0.72

XSWX:GLKBN vs PNC, USB: Net Interest Margin (Bank Only) % Comparison

For the Banks - Regional subindustry, Glarner Kantonalbank's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Glarner Kantonalbank Net Interest Margin (Bank Only) % vs Banks Industry

For the Banks industry and Financial Services sector, Glarner Kantonalbank's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Glarner Kantonalbank's Net Interest Margin (Bank Only) % falls into.


XSWX:GLKBN
58GF Score
Glarner Kantonalbank XSWX:GLKBN
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Glarner Kantonalbank Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Glarner Kantonalbank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2024 ) + Earning Assets (A: Dec. 2025 ))/ count )
=56.656/( (6916.613 + 6995.386)/ 2 )
=56.656/6955.9995
=0.81 %

where

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 6916.613 + 0
=6916.613

Earning Assets(A: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 6995.386 + 0
=6995.386

Glarner Kantonalbank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2025 ) + Earning Assets (Q: Dec. 2025 ))/ count )
=50.238/( (6917.701 + 6995.386)/ 2 )
=50.238/6956.5435
=0.72 %

where

Earning Assets(Q: Jun. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 6917.701 + 0
=6917.701

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 6995.386 + 0
=6995.386

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is two times the semi-annual (Dec. 2025) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of 0.72% mean?
Glarner Kantonalbank (XSWX:GLKBN) has a Net Interest Margin (Bank Only) % of 0.72% as of Dec. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Glarner Kantonalbank and its competitors.
Is Glarner Kantonalbank's Net Interest Margin (Bank Only) % too high?
Glarner Kantonalbank's current Net Interest Margin (Bank Only) % is 0.72%. Overall, Glarner Kantonalbank has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Glarner Kantonalbank's Net Interest Margin (Bank Only) % compare to PNC and USB?
Glarner Kantonalbank's Net Interest Margin (Bank Only) % of 0.72% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Glarner Kantonalbank and its competitors. Glarner Kantonalbank's current Net Interest Margin (Bank Only) % is 0.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Glarner Kantonalbank stock overvalued right now?
Based on GuruFocus' analysis, Glarner Kantonalbank (XSWX:GLKBN) is currently considered Fairly Valued. The stock's GF Value™ is CHF21.84, compared to a current price of CHF23.60 — trading 8.1% above its estimated fair value. The current Net Interest Margin (Bank Only) % is 0.72%. Glarner Kantonalbank's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Glarner Kantonalbank (XSWX:GLKBN), the current Net Interest Margin (Bank Only) % is 0.72% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Glarner Kantonalbank (XSWX:GLKBN) Overvalued in 2026?

Based on GuruFocus' analysis, Glarner Kantonalbank stock appears to be overvalued. The current stock price of CHF23.60 is trading 8.1% above its estimated GF Value™ of CHF21.84. GuruFocus considers Glarner Kantonalbank to be Fairly Valued.

Key valuation signals for XSWX:GLKBN:

  • Net Interest Margin (Bank Only) %: 0.72%
  • GF Value™: CHF21.84 vs. price of CHF23.60 (8.1% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the XSWX:GLKBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Glarner Kantonalbank Business Description

Other Exchanges GLKBNz:UK0QV3:UKGLR:Germany
Address Hauptstrasse 21, PO Box 365, Glarus, CHE, 8750
Glarner Kantonalbank provides banking and financial services. Its services includes e-banking, private, savings, and investment banking services. It focuses on the mortgage and savings business as well as the asset management and investment business. The Bank provides its services to customers in the Canton of Glarus and in the neighboring economic area.
58GF Score

Get the complete analysis for XSWX:GLKBN

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF23.60
Price
CHF21.84
GF Value