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Zuger Kantonalbank AG
(ZUGER)
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Rating:65Neutral
Price Target:
CHF11,288.00
▲(24.87% Upside)
Action:Downgraded
Date:08/04/26
The score is driven primarily by solid financial performance, supported by strong recent revenue growth and improved profitability, but capped by elevated leverage and cash-flow volatility. Technical signals are mostly neutral with limited near-term momentum, and valuation looks somewhat expensive given the P/E with only a moderate dividend yield.
Positive Factors
Revenue & margin improvement
A sharp revenue step-up in 2025 with a notable margin increase shows the bank can expand core earnings and convert growth into higher profitability. That structural improvement supports internal capital generation, lending capacity and long-term reinvestment in services and digital channels.
Negative Factors
Elevated leverage
Meaningfully elevated leverage reduces financial flexibility and magnifies losses under stress. For a regional bank, higher debt-to-equity limits capacity for organic growth, increases sensitivity to funding-cost shifts and can pressure capital ratios or force more conservative lending.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & margin improvement
A sharp revenue step-up in 2025 with a notable margin increase shows the bank can expand core earnings and convert growth into higher profitability. That structural improvement supports internal capital generation, lending capacity and long-term reinvestment in services and digital channels.
Read all positive factors
Zuger Kantonalbank AG (ZUGER) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF2.95B
Dividend Yield2.25%
Average Volume (3M)32.00
Price to Earnings (P/E)22.4
Beta (1Y)0.06
Revenue Growth-10.05%
EPS Growth-1.35%
CountryCH
Employees523
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding288,288
10 Day Avg. Volume32
30 Day Avg. Volume32
Financial Highlights & Ratios
PEG Ratio2.82
Price to Book (P/B)1.57
Price to Sales (P/S)6.18
P/FCF Ratio4.68
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
Zuger Kantonalbank AG Business Overview & Revenue Model
Company Description
Established in 1892 and based in Zug, Switzerland, Zuger Kantonalbank offers a wide array of financial solutions to both individual and business clients throughout Switzerland. For private individuals, its services encompass multi-currency deposit...
How the Company Makes Money
Zuger Kantonalbank AG makes money primarily through standard universal-banking revenue streams:
1) Net interest income (core earnings driver)
- The bank earns interest on loans and advances—most notably mortgage lending to households and financin...
Zuger Kantonalbank AG Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 402.36M | 411.36M | 455.53M | 434.65M | 248.89M | 246.07M |
| Gross Profit | 342.98M | 340.98M | 292.13M | 316.30M | 248.89M | 235.69M |
| EBITDA | 150.72M | 150.19M | 140.72M | 174.92M | 135.49M | 104.62M |
| Net Income | 131.54M | 131.11M | 122.37M | 124.82M | 97.18M | 75.87M |
Balance Sheet | ||||||
| Total Assets | 20.55B | 19.27B | 18.89B | 18.82B | 18.63B | 18.15B |
| Cash, Cash Equivalents and Short-Term Investments | 4.45B | 3.08B | 2.35B | 2.97B | 3.40B | 3.53B |
| Total Debt | 5.31B | 4.48B | 4.15B | 4.00B | 3.93B | 3.91B |
| Total Liabilities | 18.93B | 17.65B | 17.34B | 17.33B | 17.20B | 16.75B |
| Stockholders Equity | 1.62B | 1.62B | 1.55B | 1.49B | 1.44B | 1.40B |
Cash Flow | ||||||
| Free Cash Flow | 543.12M | 543.12M | 104.23M | 162.04M | 64.76M | 84.12M |
| Operating Cash Flow | 558.86M | 558.86M | 119.12M | 179.63M | 141.05M | 108.16M |
| Investing Cash Flow | -16.01M | -16.01M | -14.89M | -674.46M | -1.13B | -459.32M |
| Financing Cash Flow | 181.53M | 181.53M | 112.90M | 67.56M | 991.76M | 2.37B |
Zuger Kantonalbank AG Technical Analysis
Negative
9040.00
Price Trends
10426.00
Negative
10546.05
Negative
9823.40
Positive
Market Momentum
-71.29
Positive
41.63
Neutral
43.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:ZUGER, the sentiment is Negative. The current price of 9040 is below the 20-day moving average (MA) of 10437.50, below the 50-day MA of 10426.00, and below the 200-day MA of 9823.40, indicating a neutral trend. The MACD of -71.29 indicates Positive momentum. The RSI at 41.63 is Neutral, neither overbought nor oversold. The STOCH value of 43.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:ZUGER.
Zuger Kantonalbank 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% | |
67 Neutral | CHF1.78B | 27.39 | ― | 2.60% | -16.57% | -0.53% | |
65 Neutral | CHF2.95B | 22.41 | 8.12% | 2.48% | -10.05% | -1.35% | |
65 Neutral | CHF10.63B | 24.74 | 8.33% | 3.44% | -12.79% | -2.47% | |
63 Neutral | CHF3.46B | 19.05 | 5.77% | 2.92% | -3.86% | -0.07% |
* Financial Sector Average
CH:ZUGER
Zuger Kantonalbank AG
10,200.00
1,681.91
19.75%
CH:BEKN
Berner Kantonalbank AG
378.00
128.31
51.38%
CH:BCVN
Banque Cantonale Vaudoise
122.10
33.05
37.12%
CH:BSKP
Basler Kantonalbank Partizipsch
95.10
20.60
27.65%
CH:GRKP
Graubuendner Kantonalbank
2,380.00
658.53
38.25%
CH:BLKB
Basellandschaftliche Kantonalbank
1,080.00
212.45
24.49%
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.