Hypothekarbank Lenzburg AG provides various banking services and products to private customers and companies in Switzerland.
No risks detected for HBLN from our risk checks.
Excellent balance sheet with acceptable track record.
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.
7 Day Return
1 Year Return
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.
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
2 months ago | Simply Wall StIs Hypothekarbank Lenzburg AG's (VTX:HBLN) CEO Salary Justified?
3 months ago | Simply Wall StWhat Does Hypothekarbank Lenzburg AG's (VTX:HBLN) P/E Ratio Tell You?
4 months ago | Simply Wall StHypothekarbank Lenzburg AG (VTX:HBLN) Will Pay A CHF110 Dividend In 3 Days
Is Hypothekarbank Lenzburg undervalued compared to its fair value and its price relative to the market?
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.
How is Hypothekarbank Lenzburg forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
- Examine Hypothekarbank Lenzburg's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Hypothekarbank Lenzburg competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
How has Hypothekarbank Lenzburg performed over the past 5 years?
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.
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
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%).
What is Hypothekarbank Lenzburg current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Marianne Wildi (55 yo)
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.
|Chairwoman of the Executive Board||10.58yrs||CHF528.95k||0.15% |
|Director of Finance & Risk Management and Member of the Executive Board||7.58yrs||no data||0.081% |
|Director of Private & Corporate Clients and Member of the Executive Board||9.58yrs||no data||0.078% |
|Member of the Executive Board & Director of Market Services||1.42yrs||no data||0.047% |
|Director of Operations & Member of the Executive Board||1.58yrs||no data||0.0084% |
|Director of Services & Member of the Executive Board||1.58yrs||no data||0.059% |
|Head of the Accounting Department & Authorised Officer||no data||no data||no data|
|Technical Head of the Loans & Syndicated Financing Department and Vice Director||no data||no data||no data|
|Head of Compliance & Deputy Director||no data||no data||no data|
|Head of the Marketing & Communication Department and Authorised Officer||no data||no data||no data|
|Head of the Department Corporate Development & Vice Director||no data||no data||no data|
|Head of the Department Personnel Services & Vice Director||no data||no data||no data|
Experienced Management: HBLN's management team is considered experienced (4.6 years average tenure).
|Independent President of the Board||5.42yrs||CHF117.10k||0.014% |
|Independent Director||13.58yrs||CHF24.00k||0.033% |
|Independent Director||22.58yrs||CHF30.60k||0.084% |
|Independent Vice President of the Board||no data||CHF57.10k||1.07% |
|Independent Director||7.42yrs||CHF42.60k||0.084% |
|Independent Director||7.42yrs||CHF27.50k||0.29% |
|Independent Director||5.42yrs||CHF24.00k||0.0084% |
|Independent Director||4.42yrs||CHF52.00k||0.0056% |
|Independent Director||2.42yrs||CHF20.50k||0.0070% |
|Director||0.58yr||no data||no data|
Experienced Board: HBLN's board of directors are considered experienced (5.4 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Hypothekarbank Lenzburg AG's company bio, employee growth, exchange listings and data sources
- 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
- Hypothekarbank Lenzburg AG
- Bahnhofstrasse 2
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HBLN||SWX (SIX Swiss Exchange)||Yes||Register Shares||CH||CHF||Nov 1993|
|0QLK||LSE (London Stock Exchange)||Yes||Register Shares||GB||CHF||Nov 1993|
|1Y2||BST (Boerse-Stuttgart)||Yes||Register Shares||DE||EUR||Nov 1993|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/15 04:19|
|End of Day Share Price||2020/08/14 00:00|
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.