Zuger Kantonalbank AG (ZUGER) AI Stock Analysis

• Market Cap: CHF2.54B
• Dividend Yield: 2.5%
• Average Volume (3M): 31.00
• Price to Earnings (P/E): 19.0
• Beta (1Y): 0.13
• 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: 35
• 30 Day Avg. Volume: 31
• 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: 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: 69 Neutral
• Price Target: CHF9,592.00 ▲(9.75% Upside)

Zuger Kantonalbank AG's stock score is driven by strong financial performance, particularly in revenue growth and cost management. However, high leverage and cash flow issues present risks. Technical indicators show positive momentum, and the valuation is reasonable, supporting the overall score.

Zuger Kantonalbank AG Business Overview & Revenue Model

Company Description

Zuger Kantonalbank AG (ZUGER) is a Swiss cantonal bank headquartered in Zug, Switzerland. It operates primarily in the banking sector, providing a range of financial services including retail banking, corporate banking, and wealth management. The bank serves individual customers, small and medium-sized enterprises (SMEs), and corporate clients, offering products such as savings and checking accounts, loans, mortgages, investment services, and financial advisory services. ZUGER is committed to supporting the local economy and community through sustainable banking practices.

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

Zuger Kantonalbank AG shows strong revenue growth and effective cost management, but high leverage and cash flow challenges indicate potential risks. The income statement is robust, but the balance sheet and cash flow statement highlight areas needing improvement.

Income Statement

Zuger Kantonalbank AG has demonstrated strong revenue growth with a 16.79% increase in the latest year, indicating robust business expansion. The gross profit margin remains high at approximately 70.87%, showcasing effective cost management. However, the net profit margin has slightly decreased to 26.86%, suggesting some pressure on profitability. Overall, the income statement reflects a healthy financial performance with room for improvement in net profitability.

Balance Sheet

The bank maintains a high debt-to-equity ratio of 2.77, which indicates significant leverage and potential risk in a volatile market. However, the return on equity is reasonable at 7.89%, reflecting efficient use of equity to generate profits. The equity ratio stands at 8.21%, suggesting a moderate reliance on equity financing. Overall, the balance sheet shows stability but highlights the need for careful management of debt levels.

Cash Flow

The cash flow statement reveals challenges with a significant decline in free cash flow growth, down by 175.29%. The operating cash flow to net income ratio is low at 0.89%, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is relatively strong at 87.50%, suggesting that the company is still generating cash from its operations. Overall, the cash flow position requires attention to improve liquidity and cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	401.53M	455.53M	434.65M	284.30M	246.07M	256.39M
Gross Profit	328.97M	322.85M	304.59M	250.22M	235.69M	222.15M
EBITDA	152.61M	140.72M	174.92M	135.49M	104.62M	84.52M
Net Income	133.35M	122.37M	124.82M	97.18M	75.87M	74.79M
Balance Sheet
Total Assets	19.66B	18.89B	18.82B	18.63B	18.15B	16.92B
Cash, Cash Equivalents and Short-Term Investments	0.00	2.35B	2.97B	3.40B	3.53B	3.05B
Total Debt	4.46B	4.29B	4.00B	3.93B	3.91B	5.25B
Total Liabilities	18.10B	17.34B	17.33B	17.20B	16.75B	15.55B
Stockholders Equity	1.56B	1.55B	1.49B	1.44B	1.40B	1.37B
Cash Flow
Free Cash Flow	104.23M	104.23M	-276.87M	64.76M	84.12M	79.72M
Operating Cash Flow	119.12M	119.12M	-259.27M	141.05M	108.16M	96.31M
Investing Cash Flow	-750.48M	-14.89M	-674.46M	-1.13B	-459.32M	-371.00M
Financing Cash Flow	-22.03M	111.22M	67.56M	856.76M	1.27B	1.10B

Zuger Kantonalbank AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8740.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 8740 is below the 20-day moving average (MA) of 8777.00, below the 50-day MA of 8750.00, and above the 200-day MA of 8617.96, indicating a bullish trend. The MACD of -0.43 indicates Positive momentum. The RSI at 53.78 is Neutral, neither overbought nor oversold. The STOCH value of 55.56 is Neutral, 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	69 Neutral	CHF2.54B	19.02	8.80%	2.50%	-5.21%	9.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%