Hypothekarbank Lenzburg AG (HBLN) AI Stock Analysis

• Market Cap: CHF293.12M
• Dividend Yield: 2.97%
• Average Volume (3M): 19.00
• Price to Earnings (P/E): 15.6
• Beta (1Y): 0.04
• Revenue Growth: 4.84%
• EPS Growth: -10.41%
• Country: CH
• Employees: 347
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 109.03
• Shares Outstanding: 72,000
• 10 Day Avg. Volume: 21
• 30 Day Avg. Volume: 19
• PEG Ratio: -4.24
• Price to Book (P/B): 0.53
• Price to Sales (P/S): 2.00
• P/FCF Ratio: -0.57
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: CHF4,241.00 ▲(5.50% Upside)

The overall stock score of 61 reflects a mix of strong profitability and operational efficiency, offset by challenges in revenue growth and cash flow management. The technical analysis indicates a short-term bearish trend, while the valuation is fair with an attractive dividend yield. The absence of earnings call and corporate events data limits additional insights.

Positive Factors

Strong Profit Margins

High profit margins indicate efficient cost management and operational efficiency, providing a buffer against revenue fluctuations and supporting long-term profitability.

Stable Balance Sheet

A stable balance sheet with manageable debt levels ensures financial stability and flexibility, enabling the company to navigate economic uncertainties and invest in growth opportunities.

Operational Efficiency

Strong operational efficiency, as indicated by a healthy EBIT margin, enhances the company's ability to generate profits from its core operations, supporting sustainable growth.

Negative Factors

Revenue Growth Challenges

Declining revenue growth poses challenges to expanding market share and sustaining long-term growth, potentially impacting future profitability and competitive positioning.

Negative Cash Flows

Negative cash flows indicate liquidity issues, which can constrain the company's ability to invest in growth initiatives and meet financial obligations, affecting long-term sustainability.

Declining EPS Growth

A decline in EPS growth suggests challenges in profitability and earnings generation, which could impact investor confidence and the company's ability to reinvest in its business.

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 medium-sized enterprises (SMEs) in the region. HBLN offers a range of products, including mortgages, savings accounts, payment services, and financial advisory, with a strong emphasis on customer service and local market expertise.

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 earns fees from account maintenance, transaction services, and financial advisory services offered to clients. The bank also benefits from asset management and investment services, which contribute to its overall earnings. Strategic partnerships with local real estate agencies and businesses enhance its market presence and facilitate customer acquisition, further supporting its revenue streams.

Hypothekarbank Lenzburg AG Financial Statement Overview

Summary

Hypothekarbank Lenzburg AG demonstrates strong profitability and operational efficiency, as evidenced by its high margins. However, the company faces challenges in revenue growth and cash flow management, which could impact its financial flexibility. The balance sheet remains stable, but the negative cash flows require attention to ensure long-term sustainability.

Income Statement

The income statement shows a decline in revenue growth rate by 12.04% in the latest year, indicating potential challenges in revenue generation. However, the company maintains a strong gross profit margin of 100% and a decent net profit margin of 18.62%, reflecting efficient cost management. The EBIT margin is healthy at 21.17%, suggesting good operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 1.70, which is manageable for the industry. The return on equity is modest at 3.76%, indicating moderate profitability. The equity ratio stands at 7.53%, suggesting a conservative capital structure with a focus on equity financing.

Cash Flow

The cash flow statement reveals significant challenges, with negative operating and free cash flows, indicating liquidity issues. The free cash flow growth rate is highly negative, and the free cash flow to net income ratio is 0, highlighting potential cash management concerns.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	137.97M	145.12M	132.03M	94.95M	80.84M	78.59M
Gross Profit	123.89M	109.90M	109.22M	86.11M	79.00M	74.07M
EBITDA	17.11M	23.27M	24.45M	21.64M	21.72M	20.84M
Net Income	18.81M	20.46M	21.15M	18.63M	18.25M	18.08M
Balance Sheet
Total Assets	8.14B	7.23B	6.89B	6.66B	6.45B	5.92B
Cash, Cash Equivalents and Short-Term Investments	1.38B	853.49M	1.04B	1.19B	1.28B	966.15M
Total Debt	1.08B	922.95M	977.57M	1.04B	1.18B	1.15B
Total Liabilities	7.55B	6.69B	6.36B	6.14B	5.94B	5.42B
Stockholders Equity	591.73M	543.97M	531.98M	519.47M	509.07M	498.44M
Cash Flow
Free Cash Flow	-252.90M	-505.80M	-407.25M	-419.84M	28.18M	25.35M
Operating Cash Flow	-252.07M	-504.14M	-405.40M	-418.88M	28.18M	25.35M
Investing Cash Flow	-10.74M	-21.48M	-14.13M	-15.26M	0.00	0.00
Financing Cash Flow	170.40M	340.80M	271.05M	343.26M	0.00	0.00

Hypothekarbank Lenzburg AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4020.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 4044.00, below the 50-day MA of 4030.40, and below the 200-day MA of 4039.80, indicating a bullish trend. The MACD of 11.55 indicates Negative momentum. The RSI at 57.79 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BCJ	73 Outperform	CHF212.66M	17.55	―	3.31%	-9.68%	-13.74%
BVZN	72 Outperform	CHF256.46M	10.31	―	1.51%	2.43%	9.82%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HBLN	61 Neutral	CHF293.12M	15.58	3.93%	2.97%	4.84%	-10.41%
LEON	49 Neutral	CHF245.40M	-323.37	―	21.87%	-4.06%	-109.73%