Graubuendner Kantonalbank (GRKP) AI Stock Analysis

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Graubuendner Kantonalbank

(Six Swiss:GRKP)

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Rating:60Neutral

Price Target:CHF 2,730.00▲(6.23% Upside)

Action:reiterated

Date:11/06/26

The bank's strong revenue trajectory and adequate capitalization are the primary strengths. However, the score is constrained by declining profitability margins, cash flow volatility, a premium valuation, and neutral technical momentum. The elevated P/E ratio relative to the regional banking sector is a notable risk.

Positive Factors

Profitability and Revenue Re-accelerationThe sharp 2025 revenue rebound alongside consistently high net margins indicates strong earnings capacity for a regional bank. If maintained, this combination can support internal capital generation, ongoing investment in services, and resilience across the next several quarters.

Negative Factors

Higher Balance-Sheet LeverageThe significant increase in debt-to-equity raises balance-sheet risk and makes earnings and capital more sensitive to funding and credit conditions. Higher leverage can also reduce financial flexibility, limiting the bank’s room to absorb stress or pursue growth while maintaining stable capital resources.

Graubuendner Kantonalbank (GRKP) vs. iShares MSCI Switzerland ETF (EWL)

Market Cap: CHF 1.90B
Dividend Yield: 1.85%
Average Volume (3M): 250
Price to Earnings (P/E): 27.0
Beta (1Y): -0.01
Revenue Growth: -10.09%
EPS Growth: 16.74%
Country: Switzerland
Employees: 1,153
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Graubuendner Kantonalbank Business Overview & Revenue Model

Company Description

Graubündner Kantonalbank (GKB) caters to a broad spectrum of clients, including both private individuals and commercial enterprises, with a comprehensive suite of banking and financial services. Its offerings encompass various account types, such as...

Graubuendner Kantonalbank Financial Statement Overview

Summary

Solid revenue growth and healthy capitalization are offset by net profit margin compression, increased leverage, and volatile cash flows. The overall financial profile is sound but shows some areas of pressure.

Income Statement

68Positive

Balance Sheet

72Positive

Cash Flow

55Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	654.10M	661.15M	528.41M	525.91M	478.19M	438.72M
Gross Profit	571.97M	559.91M	510.39M	501.00M	460.49M	456.18M
EBITDA	270.29M	248.75M	19.55M	268.78M	235.50M	232.62M
Net Income	236.47M	216.29M	217.46M	218.29M	197.78M	184.23M
Balance Sheet
Total Assets	35.06B	36.31B	35.60B	32.77B	33.25B	32.79B
Cash, Cash Equivalents and Short-Term Investments	6.62B	8.21B	8.02B	6.32B	7.74B	8.91B
Total Debt	10.51B	11.65B	6.21B	6.26B	9.71B	10.24B
Total Liabilities	32.04B	33.30B	32.60B	29.83B	30.38B	29.97B
Stockholders Equity	2.99B	2.97B	2.95B	2.89B	2.81B	2.78B
Cash Flow
Free Cash Flow	104.36M	104.36M	807.13M	-1.17B	159.60M	247.18M
Operating Cash Flow	136.03M	136.03M	822.87M	-1.15B	221.62M	311.80M
Investing Cash Flow	-488.79M	-488.79M	-675.53M	-1.86B	-1.58B	286.25M
Financing Cash Flow	542.99M	542.99M	1.61B	-91.47M	193.48M	133.46M

Graubuendner Kantonalbank Technical Analysis

Technical Analysis SentimentNeutral

Last Price2570.00

Price Trends

50DMA2584.20Negative

100DMA2495.00Positive

200DMA2320.63Positive

Market Momentum

MACD2.38Positive

RSI46.97Neutral

STOCH73.33Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:GRKP, the sentiment is Neutral. The current price of 2570.00 is below the 20-day moving average (MA) of 2584.50, below the 50-day MA of 2584.20, and above the 200-day MA of 2320.63, indicating a neutral trend. The MACD of 2.38 indicates Positive momentum. The RSI at 46.97 is Neutral, neither overbought nor oversold. The STOCH value of 73.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CH:GRKP.

Graubuendner Kantonalbank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

CH:GRKP against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CH:ZUGER	79Outperform	CHF 3.27B	24.81	8.12%	2.03%	-10.05%	-1.35%
CH:WKBN	74Outperform	CHF 2.57B	29.08	5.17%	2.44%	-11.86%	3.44%
CH:BEKN	67Neutral	CHF 4.26B	23.82	5.89%	2.31%	-3.86%	-0.07%
CH:GRKP	60Neutral	CHF 1.94B	27.05	―	1.85%	-10.09%	16.74%
CH:BCVN	60Neutral	CHF 11.98B	27.30	11.28%	3.15%	-7.86%	1.46%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

CH:GRKP and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CH:GRKP	Graubuendner Kantonalbank	2570.00	824.07	47.20%
CH:BEKN	Berner Kantonalbank AG	467.50	204.69	77.88%
CH:BCVN	Banque Cantonale Vaudoise	139.80	47.48	51.43%
CH:WKBN	Walliser Kantonalbank	164.00	38.73	30.92%
CH:ZUGER	Zuger Kantonalbank AG	11350.00	2792.75	32.64%
CH:BLKB	Basellandschaftliche Kantonalbank	1315.00	410.82	45.44%

Graubuendner Kantonalbank Corporate Events

Graubündner Kantonalbank Delivers Record Half-Year Profit and Refines BZ Bank Strategy

Aug 21, 2026

Graubündner Kantonalbank, a universal bank rooted in the canton of Graubünden, offers lending, investment and pension services to private, corporate and public clients, and ranks among the region’s largest employers. Through majority interests in Pri...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 07, 2026

Graubuendner Kantonalbank AI Stock Analysis