Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Thurgauer Kantonalbank is a prominent Swiss cantonal bank headquartered in Weinfelden, serving private individuals, small and medium-sized enterprises, companies, and public sector entities primarily in the canton of Thurgau. It offers a comprehensive suite of banking products and services, including accounts, debit and credit cards, mortgages, loans, construction financing, business loans, leasing, and trade finance. The bank also provides investment solutions such as asset management, precious metals, cryptocurrencies, foreign exchange transactions, swaps, options, group life insurance, and retirement planning, alongside digital banking and mobile payment options. As one of Switzerland's larger regional banks, it operates around 30 branches and benefits from a state guarantee by the canton of Thurgau, which holds an 80% ownership stake, ensuring stability for liabilities even in crises. With approximately 872 employees, Thurgauer Kantonalbank plays a key role in the regional financial market, emphasizing customized investment strategies, financial optimization, property development consulting, and payment services. Its participation certificates reflect steady performance, contributing to the Swiss banking sector's resilience.
Revenue grew 3.3%, steady but not accelerating. Free cash flow declined 87% despite revenue growth, conversion is weakening.
Free cash flow declined 87% versus the prior year, cash generation momentum has weakened. Net debt of CHF 4.11B represents 25.3x FCF, leverage limits flexibility.
Profitability & Returns
Revenue (TTM)
CHF 446M
▲ +3.3% YoY
Net Income (TTM)
CHF 162M
▲ +2.7% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
CHF 162M
▼ -86.6% YoY
Op. Cash Flow (TTM)
CHF 174M
▼ -85.8% YoY
Net Debt
CHF 4.11B
Cash & Equiv.
CHF 6.19B
3Y CAGR: +5.4%
3Y CAGR: -54.0%
Continue Research