Hypothekarbank Lenzburg AG (HBLN) AI Stock Analysis

• Market Cap: CHF287.38M
• Dividend Yield: 2.97%
• Average Volume (3M): 15.00
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.05
• 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: 14
• 30 Day Avg. Volume: 15
• 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.

Hypothekarbank Lenzburg AG Business Overview & Revenue Model

Company Description

Hypothekarbank Lenzburg AG (HBLN) is a Swiss bank specializing in mortgage financing and real estate services. Founded in 1852, the bank primarily serves private clients and small to medium-sized enterprises (SMEs) in the Lenzburg region and beyond. HBLN offers a range of financial products including residential and commercial mortgages, personal loans, savings accounts, and investment services, emphasizing tailored solutions and personal customer service.

How the Company Makes Money

HBLN generates revenue primarily through interest income from mortgages and loans, which constitutes a significant portion of its income. The bank lends money to customers for property purchases and charges interest on these loans, creating a steady revenue stream. Additionally, HBLN earns income from fees associated with account management, financial advisory services, and transaction processing. The bank also invests in securities and earns interest from its investment portfolio. Strategic partnerships with real estate agencies and financial service providers enhance its offerings and broaden its customer base, contributing further to its financial performance.

Hypothekarbank Lenzburg AG Financial Statement Overview

Summary

Hypothekarbank Lenzburg AG demonstrates strong profitability and operational efficiency, with high gross and net profit margins. However, challenges in revenue growth and significant cash flow issues, including negative operating and free cash flows, indicate potential liquidity concerns. The balance sheet is stable, but the negative cash flows require attention for 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: Negative
• Last Price: 4020.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:HBLN, the sentiment is Negative. The current price of 4020 is below the 20-day moving average (MA) of 4025.00, below the 50-day MA of 4051.60, and below the 200-day MA of 4027.50, indicating a bearish trend. The MACD of -12.49 indicates Positive momentum. The RSI at 43.75 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:HBLN.

Hypothekarbank Lenzburg AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BVZN	72 Outperform	CHF215.03M	8.65	―	1.70%	2.43%	9.82%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BCJ	65 Neutral	CHF196.18M	16.19	―	3.46%	-9.68%	-13.74%
HBLN	61 Neutral	CHF287.38M	15.28	3.93%	2.97%	4.84%	-10.41%
LEON	58 Neutral	CHF274.63M	-366.75	―	19.71%	-4.06%	-109.73%