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Hypothekarbank Lenzburg AG
(HBLN)
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Rating:59Neutral
Price Target:
CHF4,347.00
▲(8.13% Upside)
Action:Reiterated
Date:08/04/26
The score is held back primarily by financial performance concerns—especially the sharp 2025 revenue decline and weak/volatile cash flow despite stable net income—while technicals are mildly supportive and valuation looks reasonable with a moderate P/E and a ~2.9% dividend yield.
Positive Factors
Earnings Stability
Consistent net income around CHF 18–21M indicates earnings resilience for a regional mortgage-focused bank. This stability supports predictable capital generation, dividend capacity and underwriting continuity, helping the franchise absorb cyclical shocks and maintain customer lending programs.
Negative Factors
Sharp 2025 Revenue Decline
A roughly 56% revenue drop in 2025 is a material deterioration in top-line momentum. Sustained revenue weakness would compress margins, reduce fee and interest opportunities, and force management to cut costs or scale back growth initiatives, weakening long-term earnings durability.
Read all positive and negative factors
Positive Factors
Negative Factors
Earnings Stability
Consistent net income around CHF 18–21M indicates earnings resilience for a regional mortgage-focused bank. This stability supports predictable capital generation, dividend capacity and underwriting continuity, helping the franchise absorb cyclical shocks and maintain customer lending programs.
Read all positive factors
Hypothekarbank Lenzburg AG (HBLN) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF301.74M
Dividend Yield2.9%
Average Volume (3M)19.00
Price to Earnings (P/E)14.0
Beta (1Y)-0.04
Revenue Growth3.87%
EPS Growth13.13%
CountryCH
Employees347
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)277.88
Shares Outstanding72,000
10 Day Avg. Volume21
30 Day Avg. Volume19
Financial Highlights & Ratios
PEG Ratio-5.91
Price to Book (P/B)0.48
Price to Sales (P/S)1.70
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 is a Swiss financial institution that delivers a broad spectrum of banking and financial solutions. Serving both individual clients and businesses across Switzerland, its offerings encompass savings accounts, real estate...
How the Company Makes Money
Hypothekarbank Lenzburg AG (HBLN) generates income mainly through a classic bank revenue model. The core earnings driver is net interest income: the bank pays interest on customer deposits and other funding, and earns interest on interest-bearing ...
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 | 171.29M | 145.12M | 132.03M | 94.95M | 80.84M |
| Gross Profit | 156.94M | 108.45M | 109.22M | 86.11M | 79.00M |
| EBITDA | 38.08M | 31.89M | 24.45M | 23.78M | 35.81M |
| Net Income | 20.01M | 20.46M | 21.15M | 18.63M | 18.25M |
Balance Sheet | |||||
| Total Assets | 8.57B | 7.23B | 6.89B | 6.66B | 6.45B |
| Cash, Cash Equivalents and Short-Term Investments | 1.89B | 853.49M | 1.04B | 1.19B | 1.28B |
| Total Debt | 1.35B | 922.95M | 977.57M | 1.04B | 1.18B |
| Total Liabilities | 7.97B | 6.69B | 6.36B | 6.14B | 5.94B |
| Stockholders Equity | 603.29M | 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 | 12.25M | -21.48M | -14.13M | -15.26M | 0.00 |
| Financing Cash Flow | 59.00K | 340.80M | 271.05M | 343.26M | 0.00 |
Hypothekarbank Lenzburg AG Technical Analysis
Positive
4020.00
Price Trends
4167.20
Positive
4156.60
Positive
4049.21
Positive
Market Momentum
6.65
Negative
54.43
Neutral
100.00
Negative
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 below the 20-day moving average (MA) of 4180.00, below the 50-day MA of 4167.20, and below the 200-day MA of 4049.21, indicating a bullish trend. The MACD of 6.65 indicates Negative momentum. The RSI at 54.43 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | CHF2.33B | 14.80 | 5.69% | 3.81% | -10.84% | 3.22% | |
59 Neutral | CHF301.74M | 14.02 | 3.49% | 2.97% | 3.87% | 13.13% | |
56 Neutral | CHF642.00M | 3.93 | 9.39% | 2.09% | -10.56% | 3.52% | |
56 Neutral | CHF235.12M | 18.86 | ― | 2.58% | -9.78% | 1.63% |
* Financial Sector Average
CH:HBLN
Hypothekarbank Lenzburg AG
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CH:BLKB
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22.22%
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.