Hypothekarbank Lenzburg AG (CH:HBLN)
:HBLN
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Hypothekarbank Lenzburg AG
(HBLN)
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Rating:55Neutral
Price Target:
CHF4,121.00
▲(2.51% Upside)
Action:ReiteratedDate:03/02/26
The score is held back primarily by weak and inconsistent cash-flow quality and a sharp 2025 revenue decline, despite relatively stable net income and a steady balance sheet. Technical indicators are broadly neutral with slightly negative momentum. Valuation is a modest positive, supported by a moderate P/E and ~3% dividend yield.
Positive Factors
Earnings Resilience
Net income stability around CHF 18–21M shows earnings resilience despite volatile top-line trends. This durable profit base supports dividend continuity, regulatory capital buffers and risk absorption, giving the bank time to manage cyclical mortgage origination and margin pressures without immediate capital strain.
Negative Factors
Sharp Revenue Drop
A ~56% revenue decline in 2025 represents a material deterioration in core top-line drivers for a mortgage-focused bank. Persistent or recurrent revenue weakness would erode margins and reserve-building capacity, limiting reinvestment, advisory fee growth and the ability to expand lending without stressing profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Earnings Resilience
Net income stability around CHF 18–21M shows earnings resilience despite volatile top-line trends. This durable profit base supports dividend continuity, regulatory capital buffers and risk absorption, giving the bank time to manage cyclical mortgage origination and margin pressures without immediate capital strain.
Read all positive factors
Hypothekarbank Lenzburg AG (HBLN) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF298.87M
Dividend Yield2.97%
Average Volume (3M)19.00
Price to Earnings (P/E)14.5
Beta (1Y)>-0.01
Revenue Growth4.84%
EPS Growth-10.41%
CountryCH
Employees347
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)169.70
Shares Outstanding72,000
10 Day Avg. Volume21
30 Day Avg. Volume19
Financial Highlights & Ratios
PEG Ratio-5.91
Price to Book (P/B)0.52
Price to Sales (P/S)2.12
P/FCF Ratio-53.45
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Hypothekarbank Lenzburg AG Business Overview & Revenue Model
Company Description
Hypothekarbank Lenzburg AG (HBLN) is a Swiss bank based in Lenzburg, specializing in mortgage lending and personal banking services. Established in 1852, the bank focuses on providing tailored financial solutions for individuals and small to mediu...
How the Company Makes Money
HBLN generates revenue primarily through interest income derived from mortgage lending. The bank provides various mortgage products, including fixed-rate and variable-rate loans, which yield interest payments from borrowers. Additionally, HBLN ear...
Hypothekarbank Lenzburg AG Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
64
Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 137.20M | 145.12M | 132.03M | 94.95M | 80.84M |
| Gross Profit | 122.85M | 109.90M | 109.22M | 86.11M | 79.00M |
| EBITDA | 21.82M | 23.27M | 24.45M | 21.64M | 21.72M |
| Net Income | 20.01M | 20.46M | 21.15M | 18.63M | 18.25M |
Balance Sheet | |||||
| Total Assets | 8.26B | 7.23B | 6.89B | 6.66B | 6.45B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 853.49M | 1.04B | 1.19B | 1.28B |
| Total Debt | 1.35B | 922.95M | 977.57M | 1.04B | 1.18B |
| Total Liabilities | 7.71B | 6.69B | 6.36B | 6.14B | 5.94B |
| Stockholders Equity | 555.39M | 543.97M | 531.98M | 519.47M | 509.07M |
Cash Flow | |||||
| Free Cash Flow | -5.44M | -505.80M | -407.25M | -419.84M | 28.18M |
| Operating Cash Flow | 14.66M | -504.14M | -405.40M | -418.88M | 28.18M |
| Investing Cash Flow | 180.61M | -21.48M | -14.13M | -15.26M | 0.00 |
| Financing Cash Flow | 843.24M | 340.80M | 271.05M | 343.26M | 0.00 |
Hypothekarbank Lenzburg AG Technical Analysis
Positive
4020.00
Price Trends
3953.23
Positive
3934.35
Positive
3941.91
Positive
Market Momentum
43.43
Negative
68.92
Neutral
33.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:HBLN, the sentiment is Positive. The current price of 4020 is above the 20-day moving average (MA) of 3989.27, above the 50-day MA of 3953.23, and above the 200-day MA of 3941.91, indicating a bullish trend. The MACD of 43.43 indicates Negative momentum. The RSI at 68.92 is Neutral, neither overbought nor oversold. The STOCH value of 33.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:HBLN.
Hypothekarbank Lenzburg AG Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | CHF282.11M | 7.66 | ― | 1.51% | 2.43% | 9.82% | |
70 Outperform | CHF260.58M | 15.26 | ― | 3.31% | -9.68% | -13.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | CHF298.87M | 14.54 | 3.49% | 2.97% | 4.84% | -10.41% | |
47 Neutral | CHF272.83M | -7.17 | ― | 21.87% | -4.06% | -109.73% |
* Financial Sector Average
CH:HBLN
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.