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St Galler Kantonalbank AGXSWX:SGKN -1.39%60 5-Year Yield-on-Cost % is 3.80 as of Aug. 08, 2026, which is 13% below its 10-year median of 4.36. GuruFocus rates XSWX:SGKN with a GF Score™ of 60/100 and a GF Value™ of CHF539.00 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,252 Banks companies, St Galler Kantonalbank AG ranks worse than 50.08% on this metric.
St Galler Kantonalbank AG (XSWX:SGKN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
St Galler Kantonalbank AG 5-Year Yield-on-Cost % Related Terms
St Galler Kantonalbank AG 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, St Galler Kantonalbank AG's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, St Galler Kantonalbank AG's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where St Galler Kantonalbank AG's 5-Year Yield-on-Cost % falls into.
St Galler Kantonalbank AG 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
St Galler Kantonalbank AG (XSWX:SGKN) has a 5-Year Yield-on-Cost % of 3.80 as of Aug. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on St Galler Kantonalbank AG and its competitors. This is 13% below median its historical median of 4.36. Over the past decade, St Galler Kantonalbank AG's 5-Year Yield-on-Cost % has ranged from 3.30 to 5.33. According to the industry distribution chart, St Galler Kantonalbank AG ranks #627 out of 1252 companies in the Banks industry, placing it in the top 50.1%.
Is St Galler Kantonalbank AG's 5-Year Yield-on-Cost % too high?
St Galler Kantonalbank AG's current 5-Year Yield-on-Cost % of 3.80 is 13% below median its 10-year median of 4.36. Over the past 10 years, this metric has ranged from a low of 3.30 to a high of 5.33. The Banks industry median 5-Year Yield-on-Cost % is 3.81. St Galler Kantonalbank AG's value of 3.80 is 0.1% below this industry median. Based on the distribution chart, St Galler Kantonalbank AG ranks #627 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, St Galler Kantonalbank AG has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does St Galler Kantonalbank AG's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, St Galler Kantonalbank AG ranks #627 out of 1252 companies for 5-Year Yield-on-Cost %. This places St Galler Kantonalbank AG in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. St Galler Kantonalbank AG's value of 3.80 is 0.1% below this benchmark. Historically, St Galler Kantonalbank AG's own 5-Year Yield-on-Cost % has ranged from 3.30 to 5.33 over the past decade. While the company's 10-year median is 4.36 vs. the industry median of 3.81, St Galler 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. St Galler Kantonalbank AG's current 5-Year Yield-on-Cost % of 3.80 is 0.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on St Galler Kantonalbank AG and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. St Galler Kantonalbank AG's current 5-Year Yield-on-Cost % is 3.80, which is 13% below median its own 10-year median of 4.36. 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?
Based on GuruFocus' analysis, St Galler Kantonalbank AG (XSWX:SGKN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF539.00, compared to a current price of CHF639.00 — trading 18.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.80, which is 13% below median its 10-year median of 4.36 and 0.1% below the Banks industry median of 3.81. St Galler Kantonalbank AG's overall GF Score™ is 60/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For St Galler Kantonalbank AG (XSWX:SGKN), the current 5-Year Yield-on-Cost % is 3.80 as of Aug. 08, 2026. 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 (XSWX:SGKN) Overvalued in 2026?
Based on GuruFocus' analysis, St Galler Kantonalbank AG stock appears to be overvalued.
The current stock price of CHF639.00 is trading 18.6% above its estimated GF Value™ of CHF539.00.
GuruFocus considers St Galler Kantonalbank AG to be Modestly Overvalued.
Key valuation signals for XSWX:SGKN:
5-Year Yield-on-Cost %: 3.80 (13% below median its 10-year median of 4.36)
GF Value™: CHF539.00 vs. price of CHF639.00 (18.6% above fair value)
Industry Position: 0.1% below the Banks median (#627 of 1252)
No single metric tells the full story. See the XSWX:SGKN 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.
60GF Score
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