How does HBLNZ's PE Ratio compare to its peers?

HBLNZ is expensive based on its Price-To-Earnings Ratio (14.1x) compared to the peer average (4x).

How does HBLNZ's PE Ratio compare vs other companies in the European Banks Industry?

HBLNZ is expensive based on its Price-To-Earnings Ratio (14.1x) compared to the European Banks industry average (7.7x).

What is HBLNZ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate HBLNZ's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of HBLNZ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

HBLNZ (CHF3980) is trading above our estimate of [[fair value]] (CHF2321.51)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

HBLNZ Stock Overview

Provides various banking services and products to private customers and companies in Switzerland. More details

HBLNZ fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Price-To-Earnings ratio (14.1x) is below the UK market (16.1x)

Pays a reliable dividend of 3.03%

Risk Analysis

Shares are highly illiquid

Earnings have declined by 0.5% per year over past 5 years

My Notes

Capture your thoughts, links and company narrative

Hypothekarbank Lenzburg AG Competitors

Close Brothers Group

LSE:CBG

UK£343.3m

Arbuthnot Banking Group

AIM:ARBB

UK£147.4m

Secure Trust Bank

LSE:STB

UK£66.4m

TBC Bank Group

LSE:TBCG

UK£1.7b

Price History & Performance

Summary of share price highs, lows and changes for Hypothekarbank Lenzburg
Historical stock prices
Current Share Price	CHF 3,980.00
52 Week High	CHF 4,340.00
52 Week Low	CHF 3,960.00
Beta	0.10
1 Month Change	0%
3 Month Change	-1.97%
1 Year Change	-1.97%
3 Year Change	-5.69%
5 Year Change	n/a
Change since IPO	-1.53%

Recent updates

Shareholder Returns

	HBLNZ	GB Banks	GB Market
7D	0.5%	0.8%	-1.5%
1Y	-2.0%	35.4%	3.5%

Return vs Industry: HBLNZ underperformed the UK Banks industry which returned 35.4% over the past year.

Return vs Market: HBLNZ underperformed the UK Market which returned 3.5% over the past year.

Price Volatility

Is HBLNZ's price volatile compared to industry and market?
HBLNZ volatility
HBLNZ Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.9%
10% most volatile stocks in GB Market	10.6%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: HBLNZ's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine HBLNZ's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1868	383	n/a	www.hbl.ch

Hypothekarbank Lenzburg AG provides various banking services and products to private customers and companies in Switzerland. The company offers savings, current, rent, euro company, crypto company, and capital deposit accounts; safe deposit boxes; real estate financing and mortgages; credit, debit, and travel cards; investment products; pension products; financial planning solutions; loans; assert management, and consulting solutions, as well as internet banking services. Hypothekarbank Lenzburg AG was founded in 1868 and is headquartered in Lenzburg, Switzerland.

Hypothekarbank Lenzburg AG Fundamentals Summary

How do Hypothekarbank Lenzburg's earnings and revenue compare to its market cap?
HBLNZ fundamental statistics
Market cap	CHF 284.40m
Earnings (TTM)	CHF 20.11m
Revenue (TTM)	CHF 109.95m

14.1x

P/E Ratio

0.5x

P/B Ratio

Is HBLNZ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HBLNZ income statement (TTM)
Revenue	CHF 109.95m
Cost of Revenue	CHF 0
Gross Profit	CHF 109.95m
Other Expenses	CHF 89.85m
Earnings	CHF 20.11m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	279.94
Gross Margin	100.00%
Net Profit Margin	18.29%
Debt/Equity Ratio	189.9%

How did HBLNZ perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

40%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/20 02:58
End of Day Share Price	2024/12/17 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Hypothekarbank Lenzburg AG is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution