BST:1Y6

Stock Analysis Report

Zuger Kantonalbank

Executive Summary

Zuger Kantonalbank provides various banking products and services to private and corporate clients in Switzerland.

Snowflake

Fundamentals

Proven track record with adequate balance sheet and pays a dividend.

Risks

  • Zuger Kantonalbank is not covered by any analysts.

Similar Companies

Share Price & News

How has Zuger Kantonalbank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

BST:1Y6

7.4%

DE Banks

1.8%

DE Market


1 Year Return

11.0%

BST:1Y6

-28.1%

DE Banks

-3.5%

DE Market

1Y6 outperformed the Banks industry which returned -28.1% over the past year.

1Y6 outperformed the Market in Germany which returned -3.5% over the past year.


Share holder returns

1Y6IndustryMarket
7 Day0%7.4%1.8%
30 Day0%18.2%8.6%
90 Day5.6%-2.2%3.3%
1 Year15.1%11.0%-25.8%-28.1%-0.5%-3.5%
3 Yearn/a-1.4%-6.4%20.6%10.3%
5 Yearn/a-18.6%-38.5%30.7%12.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Zuger Kantonalbank undervalued based on future cash flows and its price relative to the stock market?

23.48x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Zuger Kantonalbank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Zuger Kantonalbank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Zuger Kantonalbank is overvalued based on earnings compared to the DE Banks industry average.

Zuger Kantonalbank is overvalued based on earnings compared to the Germany market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Zuger Kantonalbank, we can't assess if its growth is good value.


Price Based on Value of Assets

Zuger Kantonalbank is overvalued based on assets compared to the DE Banks industry average.


Next Steps

Future Growth

How is Zuger Kantonalbank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-4.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Zuger Kantonalbank is high growth as no revenue estimate data is available.

Zuger Kantonalbank's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Zuger Kantonalbank's revenue growth to the Germany market average as no estimate data is available.

Zuger Kantonalbank's earnings are expected to decrease over the next 1-3 years, this is below the Germany market average.

Zuger Kantonalbank's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 0.2%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Zuger Kantonalbank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Zuger Kantonalbank performed over the past 5 years?

4.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Zuger Kantonalbank's year on year earnings growth rate has been positive over the past 5 years.

Zuger Kantonalbank's 1-year earnings growth exceeds its 5-year average (9.8% vs 4.9%)

Zuger Kantonalbank's earnings growth has exceeded the DE Banks industry average in the past year (9.8% vs -11.7%).


Return on Equity

Zuger Kantonalbank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Zuger Kantonalbank used its assets more efficiently than the DE Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Zuger Kantonalbank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Zuger Kantonalbank'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Zuger Kantonalbank has an acceptable proportion of non-loan assets held.

Zuger Kantonalbank has a low allowance for bad loans.

Zuger Kantonalbank's liabilities are made up of primarily low risk sources of funding.

Zuger Kantonalbank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Zuger Kantonalbank has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).

Zuger Kantonalbank has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Zuger Kantonalbank's current dividend yield, its reliability and sustainability?

3.61%

Current Dividend Yield


Dividend Yield and Payments Analysis

Zuger Kantonalbank's pays a higher dividend yield than the bottom 25% of dividend payers in Germany (1.4%).

Zuger Kantonalbank's dividend is below the markets top 25% of dividend payers in Germany (3.85%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.2x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Zuger Kantonalbank's salary, the management and board of directors tenure and is there insider trading?

5.8yrs

Average management tenure


CEO

Pascal Niquille (60yo)

10.3yrs

Tenure

CHF950,000

Compensation

Mr. Pascal Niquille has been the Chief Executive Officer Zuger Kantonalbank since June 8, 2009 and serves as its Head of Services & Partner Management Department. Mr. Niquille has been Chairman of the Exec ...


CEO Compensation Analysis

Pascal's remuneration is lower than average for companies of similar size in Germany.

Pascal's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

5.8yrs

Average Tenure

49yo

Average Age

The average tenure for the Zuger Kantonalbank management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

5.3yrs

Average Tenure

54.5yo

Average Age

The tenure for the Zuger Kantonalbank board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Andreas Henseler

    Head of Legal Affairs & Compliance

    • Tenure: 0yrs
  • Pascal Niquille (60yo)

    President of the Executive Board & CEO

    • Tenure: 10.3yrs
    • Compensation: CHF950.00k
  • Constantino Amoros

    Head of the Human Resources

    • Tenure: 0yrs
  • Petra Kalt (49yo)

    Head of the Wealth Management Department & Member of the Executive Board

    • Tenure: 5.8yrs
  • Daniela Hausheer (53yo)

    Head of the Market Regions Department & Member of the Executive Board

    • Tenure: 7.9yrs
  • Claudio Deplazes

    Head of the Marketing Department

    • Tenure: 0yrs
  • Adrian Andermatt (49yo)

    Head of Corporate Clients Department & Member of Executive Board

    • Tenure: 1.5yrs
  • Andreas Janett (48yo)

    CFO & Member of Management Board

    • Tenure: 1.5yrs
  • Alex Müller

    Chief Investment Officer & Head of the Investment Center Department

    • Tenure: 0yrs
  • Peter Wicki

    Head of the Partner Management & Informatics Department

    • Tenure: 0yrs

Board Members

  • Bruno Bonati (70yo)

    President of the Council

    • Tenure: 9.3yrs
    • Compensation: CHF194.00k
  • Heinz Leibundgut (67yo)

    Director

    • Tenure: 5.3yrs
    • Compensation: CHF66.00k
  • Adrian Kalt

    Chairman of the Board of Statutory Auditors

    • Tenure: 9.7yrs
  • Patrik Wettstein (55yo)

    Director

    • Tenure: 9.3yrs
    • Compensation: CHF60.00k
  • Matthias Michel (56yo)

    Director

    • Tenure: 12.4yrs
    • Compensation: CHF51.00k
  • Sabina Balmer-Fischer (52yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: CHF60.00k
  • Jacques Bossart (54yo)

    Vice-President of the Board

    • Tenure: 0.7yrs
    • Compensation: CHF46.00k
  • Patrick Storchenegger

    Representative Vice-Chairman of the Board of Statutory Auditors

    • Tenure: 0yrs
  • Silvan Schriber (47yo)

    Director

    • Tenure: 0.3yrs
  • Annette Luther (49yo)

    Director

    • Tenure: 0.7yrs

Company Information

Zuger Kantonalbank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Zuger Kantonalbank
  • Ticker: 1Y6
  • Exchange: BST
  • Founded: 1892
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: CHF1.754b
  • Listing Market Cap: CHF1.601b
  • Shares outstanding: 287.55k
  • Website: https://www.zugerkb.ch

Number of Employees


Location

  • Zuger Kantonalbank
  • Bahnhofstrasse 1
  • Zug
  • Zug
  • 6301
  • Switzerland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ZGSWX (SIX Swiss Exchange)YesBearer SharesCHCHFJan 1992
1Y6BST (Boerse-Stuttgart)YesBearer SharesDEEURJan 1992
0QN4LSE (London Stock Exchange)YesBearer SharesGBCHFJan 1992

Biography

Zuger Kantonalbank provides various banking products and services to private and corporate clients in Switzerland. It offers private banking products comprising bank accounts in various currencies, card pr ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/14 22:46
End of Day Share Price2019/06/28 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.