The bank offers accounts and cards, mortgages and loans, investment advice and asset management services, financial consultancy and planning, retirement planning, and e-banking services. Among cantonal banks, it ranks 10th largest with 4.20% category market share. The bank maintains a strong dividend yield of 2.62% and operates through both digital and traditional branch channels across its regional markets.
Cyborg Score Rationale
Graubündner Kantonalbank demonstrates solid fundamentals as a well-established cantonal bank with consistent profitability and strong dividend payouts. However, recent technical analysis suggests weakening momentum, and profitability declined 29% in H1 2026. The bank's concentrated regional positioning in Graubünden limits growth compared to national competitors.
Top Insights
In 2024, total assets reached 35,598 million CHF with annual profit of 254.28 million CHF.
H1 2026 net income of 90.29 million CHF declined 29% year-over-year from 127.17 million CHF.
Dividend yield was 2.73% in 2024 with 54.40% payout ratio; previous year showed 2.79% yield and 54.19% payout.
Headquarters located in Chur with 45 branches across Graubünden.
Named Competitors
Raiffeisen Switzerland — Cooperative banking network competing for retail and SME business
PostFinance — National competitor offering basic banking services to individuals and businesses
Uri Kantonalbank — Similar-sized regional cantonal bank competitor in adjacent market
Recent Developments
(March 2026) Stock trading near 1,825 CHF with modest 3.13% monthly gains
(H1 2026) Net income declined significantly to 90.29 million CHF, down 29% year-over-year
(2024) Total assets grew 8.63% to 35.6 billion CHF with 254.28 million CHF profit
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