Graubündner Kantonalbank (GRKP) Fair Value & Analysis
Financial Services · CH · Market cap CHF 1.7B
Fair value as of: Aug 13, 2026
From 6 valuation models · updated today
Fair value updated Aug 13, 2026, revised from CHF 3,799 to CHF 4,376 (+15.2%) since Jul 12, 2026. Share price +4.0% over the past month.
A solid business, screening 85% undervalued on our models.
What matters now
- The price is below even our cautious bear case (CHF 3,282). The market is more pessimistic than our downside scenario.
- Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range CHF 1,300 – CHF 2,400 · fair‑value band CHF 3,282 – CHF 5,470 · the CHF 2,360 price screens below the CHF 4,376 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Graubündner Kantonalbank (GRKP) currently trades at CHF 2,360, while our model-based Fair Value estimate is CHF 4,376, implying the stock looks roughly 85.4% undervalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Graubündner Kantonalbank generated revenue of CHF 489M at a net margin of 44.2%. Revenue declined 10.9% year over year. It earns a return on equity of 7.5%. Net debt stands at CHF 3.4B. Fundamentals as of Aug 13, 2026
Our scenario range runs from CHF 3,282 (bear case) to CHF 5,470 (bull case); at CHF 2,360, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 40% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at 85%, GRKP screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (CHF 3,799) versus Dividend Discount (CHF 1,762). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 60 · Market factors (momentum, volatility) 79
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Graubündner Kantonalbank provides various banking and products services to private individuals and companies primarily in Switzerland.
Full company description
Graubündner Kantonalbank provides various banking and products services to private individuals and companies primarily in Switzerland. It offers accounts and cards, payment transactions, investing and saving, planning and protection, mortgages and housing, youth and finance, private banking, interest rates and terms; stock exchange and markets; assets and investments; SME consulting, finance advice, digital business consulting; and e-banking and mobile banking services. Graubündner Kantonalbank was founded in 1870 and is headquartered in Chur, Switzerland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Graubündner Kantonalbank reported revenue of CHF 661M in FY2025 versus CHF 434M in FY2021, a compound +11.1%/yr. Reported net income was CHF 216M in FY2025, compounding +4.1%/yr from FY2021.
of which total revenue +5.2 pp · buybacks/dilution −0.5 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1086 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,130 IDR | 6,067 IDR | +47% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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