St Galler Kantonalbank AGSGKBF 63 Net Margin % is 37.94% as of Dec. 2025, which is 5% above its 10-year median of 36.27. GuruFocus rates SGKBF with a GF Score™ of 63/100 and a GF Value™ of $304.59. The stock has 6 warning signs investors should review. Among 1,526 Banks companies, St Galler Kantonalbank AG ranks better than 81.26% on this metric.
The historical rank and industry rank for St Galler Kantonalbank AG's Net Margin % or its related term are showing as below:
SGKBF'
s Net Margin % Range Over the Past 10 Years
Min: 34.62 Med: 36.27 Max: 38.34
Current: 38.07
SGKBF's Net Margin % is ranked better than 81.26% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs SGKBF: 38.07
St Galler Kantonalbank AG (OTCPK:SGKBF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
St Galler Kantonalbank AG Net Margin % Related Terms
St Galler Kantonalbank AG Net Margin % Historical Data
* 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.
St Galler Kantonalbank AG Net Margin % Competitor Comparison
For the Banks - Regional subindustry, St Galler Kantonalbank AG's Net Margin %, along with its competitors' market caps and Net Margin % 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.
St Galler Kantonalbank AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, St Galler Kantonalbank AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where St Galler Kantonalbank AG's Net Margin % falls into.
* 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.
St Galler Kantonalbank AG (SGKBF) has a Net Margin % of 37.94% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on St Galler Kantonalbank AG and its competitors. This is near median its historical median of 36.27. Over the past decade, St Galler Kantonalbank AG's Net Margin % has ranged from 34.62 to 38.34. According to the industry distribution chart, St Galler Kantonalbank AG ranks #286 out of 1526 companies in the Banks industry, placing it in the top 18.7%.
Is St Galler Kantonalbank AG's Net Margin % too high?
St Galler Kantonalbank AG's current Net Margin % of 37.94% is near median its 10-year median of 36.27. Over the past 10 years, this metric has ranged from a low of 34.62 to a high of 38.34. The Banks industry median Net Margin % is 26.97. St Galler Kantonalbank AG's value of 37.94% is 40.7% above this industry median. Based on the distribution chart, St Galler Kantonalbank AG ranks #286 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, St Galler Kantonalbank AG has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does St Galler Kantonalbank AG's Net Margin % compare to competitors?
According to the Banks industry distribution chart, St Galler Kantonalbank AG ranks #286 out of 1526 companies for Net Margin %. This places St Galler Kantonalbank AG in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. St Galler Kantonalbank AG's value of 37.94% is 40.7% above this benchmark. Historically, St Galler Kantonalbank AG's own Net Margin % has ranged from 34.62 to 38.34 over the past decade. While the company's 10-year median is 36.27 vs. the industry median of 26.97, St Galler Kantonalbank AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. St Galler Kantonalbank AG's current Net Margin % of 37.94% is 40.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on St Galler Kantonalbank AG and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. St Galler Kantonalbank AG's current Net Margin % is 37.94%, which is near median its own 10-year median of 36.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is St Galler Kantonalbank AG stock overvalued right now?
St Galler Kantonalbank AG (SGKBF) has a current Net Margin % of 37.94%. The stock's GF Value™ is $304.59, compared to a current price of $355.00 — trading 16.6% above its estimated fair value. The current Net Margin % is 37.94%, which is near median its 10-year median of 36.27 and 40.7% above the Banks industry median of 26.97. St Galler Kantonalbank AG's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For St Galler Kantonalbank AG (SGKBF), the current Net Margin % is 37.94% 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 St Galler Kantonalbank AG (SGKBF) Overvalued in 2026?
Based on GuruFocus' analysis, St Galler Kantonalbank AG stock appears to be overvalued.
The current stock price of $355.00 is trading 16.6% above its estimated GF Value™ of $304.59.
Key valuation signals for SGKBF:
Net Margin %: 37.94% (near median its 10-year median of 36.27)
GF Value™: $304.59 vs. price of $355.00 (16.6% above fair value)
Industry Position: 40.7% above the Banks median (#286 of 1526)
No single metric tells the full story. See the SGKBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
St Galler Kantonalbank AG provides banking services to the local population and small and middle-sized companies in Switzerland and globally. It also offers private banking. The bank adopts a balanced business model based on two revenue sources. Its objectives are the growth of loans, the growth of funds under management, cost and income ratio and return on equity. The firm operates in St Gall through its network of branches. The company has developed and promoted the brand Cantonal bank. Retail and commercial clients, private banking, and corporate center are the segments of the company.
63GF Score
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