Zuger Kantonalbank AG (CH:ZUGER)
:ZUGER
Top Page
Zuger Kantonalbank AG
(ZUGER)
Select Model
Select Model
Rating:72Outperform
Price Target:
CHF11,600.00
▲(28.32% Upside)
Action:UpgradedDate:03/24/26
The score is driven primarily by solid financial performance (strong growth and margins, tempered by high leverage and cash-flow volatility). Technicals add support via a clear uptrend, but elevated RSI suggests the move may be stretched. Valuation is favorable with a low P/E and a modest dividend yield.
Positive Factors
Revenue and margin improvement
A sharp revenue step-up and higher net margins in 2025 indicate the bank can expand earnings from core activities. Durable higher margins improve return on equity, create cash to fund loans and wealth services, and strengthen the franchise versus peers over a multi-quarter horizon.
Negative Factors
Elevated leverage
Sustained high debt-to-equity constrains strategic flexibility and amplifies downside in stress. For a regional bank, elevated leverage limits capacity to absorb loan losses, raises regulatory and funding sensitivity, and can force tighter lending or capital-raising under adverse conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and margin improvement
A sharp revenue step-up and higher net margins in 2025 indicate the bank can expand earnings from core activities. Durable higher margins improve return on equity, create cash to fund loans and wealth services, and strengthen the franchise versus peers over a multi-quarter horizon.
Read all positive factors
Zuger Kantonalbank AG (ZUGER) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF2.95B
Dividend Yield2.48%
Average Volume (3M)32.00
Price to Earnings (P/E)19.4
Beta (1Y)0.06
Revenue Growth-5.21%
EPS Growth9.22%
CountryCH
Employees504
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)209.20
Shares Outstanding288,288
10 Day Avg. Volume32
30 Day Avg. Volume32
Financial Highlights & Ratios
PEG Ratio2.81
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
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 retireme...
How the Company Makes Money
Zuger Kantonalbank AG makes money mainly through a mix of net interest income, fee and commission income, and other operating income typical for universal/cantonal banks. (1) Net interest income: The bank earns interest on assets such as residenti...
Zuger Kantonalbank AG Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
66
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 411.36M | 455.53M | 434.65M | 248.89M | 246.07M |
| Gross Profit | 340.98M | 292.13M | 316.30M | 248.89M | 235.69M |
| EBITDA | 150.19M | 140.72M | 174.92M | 135.49M | 104.62M |
| Net Income | 131.11M | 122.37M | 124.82M | 97.18M | 75.87M |
Balance Sheet | |||||
| Total Assets | 19.27B | 18.89B | 18.82B | 18.63B | 18.15B |
| Cash, Cash Equivalents and Short-Term Investments | 3.08B | 2.35B | 2.97B | 3.40B | 3.53B |
| Total Debt | 4.49B | 3.98B | 4.00B | 3.93B | 3.91B |
| Total Liabilities | 17.65B | 17.34B | 17.33B | 17.20B | 16.75B |
| Stockholders Equity | 1.62B | 1.55B | 1.49B | 1.44B | 1.40B |
Cash Flow | |||||
| Free Cash Flow | 543.12M | 104.23M | -276.87M | 64.76M | 84.12M |
| Operating Cash Flow | 558.86M | 119.12M | -259.27M | 141.05M | 108.16M |
| Investing Cash Flow | -16.01M | -14.89M | -674.46M | -1.13B | -459.32M |
| Financing Cash Flow | 181.53M | 111.22M | 67.56M | 856.76M | 1.27B |
Zuger Kantonalbank AG Technical Analysis
Positive
9040.00
Price Trends
9915.40
Positive
9402.50
Positive
9046.95
Positive
Market Momentum
120.77
Positive
55.32
Neutral
28.24
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 9040 is below the 20-day moving average (MA) of 10235.50, below the 50-day MA of 9915.40, and below the 200-day MA of 9046.95, indicating a bullish trend. The MACD of 120.77 indicates Positive momentum. The RSI at 55.32 is Neutral, neither overbought nor oversold. The STOCH value of 28.24 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
UnderperformOutperform
Sector (68)
CH:ZUGER
Zuger Kantonalbank AG
10,250.00
2,198.40
27.30%
GB:0QM2
Berner Kantonalbank AG
405.51
178.37
78.53%
GB:0RE6
Walliser Kantonalbank
156.50
41.68
36.30%
DE:TK2A
Thurgauer Kantonalbank
202.00
111.27
122.63%
CH:GRKP
Graubuendner Kantonalbank
2,220.00
552.32
33.12%
CH:BLKB
Basellandschaftliche Kantonalbank
1,110.00
271.37
32.36%
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.