Zuger Kantonalbank AG (ZUGER) AI Stock Analysis

• Market Cap: €2.54B
• Dividend Yield: 2.49%
• Average Volume (3M): 40.00
• Price to Earnings (P/E): 19.0
• Beta (1Y): 0.15
• Revenue Growth: -5.21%
• EPS Growth: 9.22%
• Country: CH
• Employees: 504
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 246.67
• Shares Outstanding: 288,288
• 10 Day Avg. Volume: 57
• 30 Day Avg. Volume: 40
• PEG Ratio: -9.86
• Price to Book (P/B): 1.53
• Price to Sales (P/S): 5.20
• P/FCF Ratio: 22.74
• 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: €9,606.05
• Price Target Upside: 8.67% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: CHF9,614.00 ▲(8.76% Upside)

Zuger Kantonalbank AG's overall score is driven by strong technical momentum and a fair valuation. Financial performance is solid but tempered by high leverage and cash flow challenges. The absence of earnings call and corporate event data limits additional insights.

Zuger Kantonalbank AG Business Overview & Revenue Model

Company Description

Zuger Kantonalbank provides various banking products and services to private and corporate clients in Switzerland. It offers private banking products comprising bank accounts in various currencies and card products; personal, savings, and retirement accounts; credit and debit cards; investment advisory, asset management, and online financial investment services; home financing services, including mortgage and home ownership service; and pension products, financial planning, and tax services. The company also provides corporate banking products and services, such as corporate savings accounts and corporate cards; corporate and real estate financing services; occupational pension schemes; and foundation and succession planning services. In addition, it offers e-banking and mobile banking services. The company operates through 14 branches. Zuger Kantonalbank was founded in 1892 and is based in Zug, Switzerland.

How the Company Makes Money

Zuger Kantonalbank generates revenue primarily through interest income from loans and mortgages, which constitute a significant portion of its earnings. The bank lends to both individuals and businesses, charging interest on these loans, which provides a steady stream of income. Additionally, ZUGER earns fees from various banking services such as account maintenance, transaction processing, and wealth management services. Another revenue stream comes from investment income generated through the management of its own investment portfolio. The bank may also engage in partnerships with local businesses and governmental entities, enhancing its service offerings and expanding its client base, which further contributes to its profitability.

Zuger Kantonalbank AG Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	455.53M	434.65M	284.30M	246.07M	256.39M
Gross Profit	322.85M	304.59M	250.22M	235.69M	222.15M
EBITDA	140.72M	174.92M	112.62M	104.62M	84.52M
Net Income	122.37M	124.82M	97.18M	75.87M	74.79M
Balance Sheet
Total Assets	18.89B	18.82B	18.63B	18.15B	16.92B
Cash, Cash Equivalents and Short-Term Investments	2.35B	2.97B	3.40B	3.53B	3.05B
Total Debt	4.29B	4.00B	3.93B	3.91B	5.25B
Total Liabilities	17.34B	17.33B	17.20B	16.75B	15.55B
Stockholders Equity	1.55B	1.49B	1.44B	1.40B	1.37B
Cash Flow
Free Cash Flow	104.23M	-276.87M	64.76M	84.12M	79.72M
Operating Cash Flow	119.12M	-259.27M	141.05M	108.16M	96.31M
Investing Cash Flow	-14.89M	-674.46M	-1.13B	-459.32M	-371.00M
Financing Cash Flow	111.22M	67.56M	856.76M	1.27B	1.10B

Zuger Kantonalbank AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8840.00
• 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:ZUGER, the sentiment is Positive. The current price of 8840 is above the 20-day moving average (MA) of 8720.00, above the 50-day MA of 8709.20, and above the 200-day MA of 8538.52, indicating a bullish trend. The MACD of 28.28 indicates Negative momentum. The RSI at 61.45 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:ZUGER.

Zuger Kantonalbank AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ZUGER	70 Outperform	€2.54B	19.02	8.80%	2.49%	-5.21%	9.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%