SWX:HBLN

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Hypothekarbank Lenzburg

Executive Summary

Hypothekarbank Lenzburg AG provides various banking services and products to private customers and companies in Switzerland.

Rewards

PE ratio (14.5x) is below the Swiss market (21.2x)

Earnings have grown 0.2% per year over the past 5 years

Risk Analysis

No risks detected for HBLN from our risk checks.


Snowflake Analysis

Excellent balance sheet with acceptable track record.


Similar Companies

Share Price & News

How has Hypothekarbank Lenzburg's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: HBLN has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

1.0%

HBLN

3.1%

CH Mortgage

1.5%

CH Market


1 Year Return

-6.2%

HBLN

-7.5%

CH Mortgage

4.5%

CH Market

Return vs Industry: HBLN exceeded the Swiss Mortgage industry which returned -7.5% over the past year.

Return vs Market: HBLN underperformed the Swiss Market which returned 4.5% over the past year.


Shareholder returns

HBLNIndustryMarket
7 Day1.0%3.1%1.5%
30 Day-1.4%0.3%-1.6%
90 Day-1.9%5.1%6.9%
1 Year-3.8%-6.2%-6.2%-7.5%8.1%4.5%
3 Year2.0%-6.1%-6.8%-12.4%22.2%9.5%
5 Year15.4%1.0%15.4%4.3%35.7%14.4%

Price Volatility Vs. Market

How volatile is Hypothekarbank Lenzburg's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Hypothekarbank Lenzburg undervalued compared to its fair value and its price relative to the market?

14.5x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate HBLN's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate HBLN's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: HBLN is poor value based on its PE Ratio (14.5x) compared to the XE Mortgage industry average (8.2x).

PE vs Market: HBLN is good value based on its PE Ratio (14.5x) compared to the Swiss market (21.2x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate HBLN's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: HBLN's PB Ratio (0.6x) is in line with the XE Mortgage industry average.


Next Steps

Future Growth

How is Hypothekarbank Lenzburg forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

15.3%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Hypothekarbank Lenzburg has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Hypothekarbank Lenzburg performed over the past 5 years?

0.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: HBLN has high quality earnings.

Growing Profit Margin: HBLN's current net profit margins (25.4%) are lower than last year (26%).


Past Earnings Growth Analysis

Earnings Trend: HBLN's earnings have grown by 0.2% per year over the past 5 years.

Accelerating Growth: HBLN's earnings growth over the past year (1%) exceeds its 5-year average (0.2% per year).

Earnings vs Industry: HBLN earnings growth over the past year (1%) underperformed the Mortgage industry 1%.


Return on Equity

High ROE: HBLN's Return on Equity (4.3%) is considered low.


Next Steps

Financial Health

How is Hypothekarbank Lenzburg's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: HBLN's Assets to Equity ratio (11.1x) is moderate.

Allowance for Bad Loans: HBLN has a low allowance for bad loans (94%).

Low Risk Liabilities: 79% of HBLN's liabilities are made up of primarily low risk sources of funding.

Loan Level: HBLN has an appropriate level of Loans to Assets ratio (78%).

Low Risk Deposits: HBLN's Loans to Deposits ratio (109%) is appropriate.

Level of Bad Loans: HBLN has an appropriate level of bad loans (0.5%).


Next Steps

Dividend

What is Hypothekarbank Lenzburg current dividend yield, its reliability and sustainability?

2.59%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: HBLN's dividend (2.59%) is higher than the bottom 25% of dividend payers in the Swiss market (1.75%).

High Dividend: HBLN's dividend (2.59%) is low compared to the top 25% of dividend payers in the Swiss market (3.74%).


Stability and Growth of Payments

Stable Dividend: HBLN's dividends per share have been stable in the past 10 years.

Growing Dividend: HBLN's dividend payments have not increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (37.6%), HBLN's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.6yrs

Average management tenure


CEO

Marianne Wildi (55 yo)

10.58yrs

Tenure

CHF528,950

Compensation

Ms. Marianne Wildi serves as Chairwoman of the Management Board at Hypothekarbank Lenzburg AG. Ms. Wildi serves as Director of Leadership & Computer Science and Chief Executive Officer at Hypothekarbank Le ...


CEO Compensation Analysis

Compensation vs Market: Marianne's total compensation ($USD581.79K) is below average for companies of similar size in the Swiss market ($USD1.02M).

Compensation vs Earnings: Marianne's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Marianne Wildi
Chairwoman of the Executive Board10.58yrsCHF528.95k0.15%
CHF 449.5k
Rolf Bohnenblust
Director of Finance & Risk Management and Member of the Executive Board7.58yrsno data0.081%
CHF 245.9k
Roger Brechbühler
Director of Private & Corporate Clients and Member of the Executive Board9.58yrsno data0.078%
CHF 237.4k
Reto Huenerwadel
Member of the Executive Board & Director of Market Services1.42yrsno data0.047%
CHF 144.2k
Karsten Kunert
Director of Operations & Member of the Executive Board1.58yrsno data0.0084%
CHF 25.4k
André Renfer
Director of Services & Member of the Executive Board1.58yrsno data0.059%
CHF 178.1k
Stefan Ryser
Head of the Accounting Department & Authorised Officerno datano datano data
René Zimmerli
Technical Head of the Loans & Syndicated Financing Department and Vice Directorno datano datano data
Bundi David
Head of Compliance & Deputy Directorno datano datano data
Peter Schöpp
Head of the Marketing & Communication Department and Authorised Officerno datano datano data
Fuchs Ronny
Head of the Department Corporate Development & Vice Directorno datano datano data
Keller Christine
Head of the Department Personnel Services & Vice Directorno datano datano data

4.6yrs

Average Tenure

54.5yo

Average Age

Experienced Management: HBLN's management team is considered experienced (4.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Gerhard Hanhart
Independent President of the Board5.42yrsCHF117.10k0.014%
CHF 42.4k
Therese Suter
Independent Director13.58yrsCHF24.00k0.033%
CHF 101.8k
Ursula McCreight-Ernst
Independent Director22.58yrsCHF30.60k0.084%
CHF 254.4k
Thomas Wietlisbach
Independent Vice President of the Boardno dataCHF57.10k1.07%
CHF 3.3m
Marco Killer
Independent Director7.42yrsCHF42.60k0.084%
CHF 254.4k
Christoph Schwarz
Independent Director7.42yrsCHF27.50k0.29%
CHF 890.4k
Josef Lingg
Independent Director5.42yrsCHF24.00k0.0084%
CHF 25.4k
René Brülhart
Independent Director4.42yrsCHF52.00k0.0056%
CHF 17.0k
Doris Agotai Schmid
Independent Director2.42yrsCHF20.50k0.0070%
CHF 21.2k
Kunzmann Andreas
Director0.58yrno datano data

5.4yrs

Average Tenure

56yo

Average Age

Experienced Board: HBLN's board of directors are considered experienced (5.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Hypothekarbank Lenzburg AG's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Hypothekarbank Lenzburg AG
  • Ticker: HBLN
  • Exchange: SWX
  • Founded: 1868
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: CHF304.322m
  • Shares outstanding: 71.77k
  • Website: https://www.hbl.ch

Number of Employees


Location

  • Hypothekarbank Lenzburg AG
  • Bahnhofstrasse 2
  • Lenzburg
  • Aargau
  • 5600
  • Switzerland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HBLNSWX (SIX Swiss Exchange)YesRegister SharesCHCHFNov 1993
0QLKLSE (London Stock Exchange)YesRegister SharesGBCHFNov 1993
1Y2BST (Boerse-Stuttgart)YesRegister SharesDEEURNov 1993

Biography

Hypothekarbank Lenzburg AG provides various banking services and products to private customers and companies in Switzerland. It offers savings accounts; real estate and lease financing; credit and debit ca ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/15 04:19
End of Day Share Price2020/08/14 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.