The historical rank and industry rank for Zuger Kantonalbank AG's ROE % or its related term are showing as below:
XSWX:ZUGER'
s ROE % Range Over the Past 10 Years
Min: 4.96 Med: 5.6 Max: 8.53
Current: 8.32
During the past 13 years, Zuger Kantonalbank AG's highest ROE % was 8.53%. The lowest was 4.96%. And the median was 5.60%.
XSWX:ZUGER's ROE % is ranked worse than 63.62% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs XSWX:ZUGER: 8.32
Zuger Kantonalbank AG (XSWX:ZUGER) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
For the Banks - Regional subindustry, Zuger Kantonalbank AG's ROE %, along with its competitors' market caps and ROE % 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.
Zuger Kantonalbank AG ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Zuger Kantonalbank AG's ROE % distribution charts can be found below:
* The bar in red indicates where Zuger Kantonalbank AG's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Zuger Kantonalbank AG (XSWX:ZUGER) has a ROE % of 7.58% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Zuger Kantonalbank AG and its competitors. This is 35% above median its historical median of 5.60. Over the past decade, Zuger Kantonalbank AG's ROE % has ranged from 4.96 to 8.53. According to the industry distribution chart, Zuger Kantonalbank AG ranks #969 out of 1523 companies in the Banks industry, placing it in the top 63.6%.
Is Zuger Kantonalbank AG's ROE % too high?
Zuger Kantonalbank AG's current ROE % of 7.58% is 35% above median its 10-year median of 5.60. Over the past 10 years, this metric has ranged from a low of 4.96 to a high of 8.53. The Banks industry median ROE % is 10.22. Zuger Kantonalbank AG's value of 7.58% is 25.8% below this industry median. Based on the distribution chart, Zuger Kantonalbank AG ranks #969 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Zuger Kantonalbank AG has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zuger Kantonalbank AG's ROE % compare to competitors?
According to the Banks industry distribution chart, Zuger Kantonalbank AG ranks #969 out of 1523 companies for ROE %. This places Zuger Kantonalbank AG in the lower half of its industry. The industry median ROE % is 10.22. Zuger Kantonalbank AG's value of 7.58% is 25.8% below this benchmark. Historically, Zuger Kantonalbank AG's own ROE % has ranged from 4.96 to 8.53 over the past decade. While the company's 10-year median is 5.60 vs. the industry median of 10.22, Zuger Kantonalbank AG has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zuger Kantonalbank AG's current ROE % of 7.58% is 25.8% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Zuger Kantonalbank AG and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zuger Kantonalbank AG's current ROE % is 7.58%, which is 35% above median its own 10-year median of 5.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zuger Kantonalbank AG stock overvalued right now?
Based on GuruFocus' analysis, Zuger Kantonalbank AG (XSWX:ZUGER) is currently considered Fairly Valued. The stock's GF Value™ is CHF9,701.40, compared to a current price of CHF10,400.00 — trading 7.2% above its estimated fair value. The current ROE % is 7.58%, which is 35% above median its 10-year median of 5.60 and 25.8% below the Banks industry median of 10.22. Zuger Kantonalbank AG's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Zuger Kantonalbank AG (XSWX:ZUGER), the current ROE % is 7.58% 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 Zuger Kantonalbank AG (XSWX:ZUGER) Overvalued in 2026?
Based on GuruFocus' analysis, Zuger Kantonalbank AG stock appears to be overvalued.
The current stock price of CHF10,400.00 is trading 7.2% above its estimated GF Value™ of CHF9,701.40.
GuruFocus considers Zuger Kantonalbank AG to be Fairly Valued.
Key valuation signals for XSWX:ZUGER:
ROE %: 7.58% (35% above median its 10-year median of 5.60)
GF Value™: CHF9,701.40 vs. price of CHF10,400.00 (7.2% above fair value)
Industry Position: 25.8% below the Banks median (#969 of 1523)
No single metric tells the full story. See the XSWX:ZUGER stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zuger Kantonalbank AG is a cantonal, universal Swiss bank. The canton of Zug is the majority shareholder with just over half of the outstanding shares. The cantonal government also guarantees state protection of funds deposited with the bank. The bank's operations include retail banking, private banking, and corporate banking. Most of its products and services cater to residents in the canton of Zug. Products and offerings include traditional banking services, home financing, financial planning, asset management, corporate and real estate financing, pension planning, and succession planning. Most of the bank's net revenue consists of net interest income derived from mortgages.
66GF Score
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