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Hypothekarbank Lenzburg AG (HBLN) AI Stock Analysis
Hypothekarbank Lenzburg AG
(Six Swiss:HBLN)
The score is held back primarily by financial performance concerns—especially the sharp 2025 revenue decline and weak/volatile cash flow despite stable net income—while technicals are mildly supportive and valuation looks reasonable with a moderate P/E and a ~2.9% dividend yield.
Hypothekarbank Lenzburg AG (HBLN) vs. iShares MSCI Switzerland ETF (EWL)
- Market Cap
- CHF 301.74M
- Dividend Yield
- 2.86%
- Average Volume (3M)
- 16
- Price to Earnings (P/E)
- 14.2
- Beta (1Y)
- -0.02
- Revenue Growth
- 3.87%
- EPS Growth
- 13.13%
- Country
- Switzerland
- Employees
- 502
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Hypothekarbank Lenzburg AG Business Overview & Revenue Model
Company Description
Hypothekarbank Lenzburg AG is a Swiss financial institution that delivers a broad spectrum of banking and financial solutions. Serving both individual clients and businesses across Switzerland, its offerings encompass savings accounts, real estate fi...
How the Company Makes Money
Hypothekarbank Lenzburg AG (HBLN) generates income mainly through a classic bank revenue model. The core earnings driver is net interest income: the bank pays interest on customer deposits and other funding, and earns interest on interest-bearing ass...
Hypothekarbank Lenzburg AG Financial Statement Overview
Summary
Earnings have been relatively stable (net income ~CHF 18–21M) and the balance sheet has expanded steadily, but 2025 revenue fell sharply (~56% YoY), leverage has moved higher versus 2024, and cash flow quality is weak with highly volatile operating cash flow and generally negative free cash flow.
Income Statement
62PositiveBalance Sheet
64PositiveCash Flow
38Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 129.44M | 171.29M | 145.12M | 132.03M | 94.95M | 80.84M |
| Gross Profit | 117.04M | 156.94M | 108.45M | 109.22M | 86.11M | 79.00M |
| EBITDA | 23.05M | 38.08M | 31.89M | 24.45M | 23.78M | 35.81M |
| Net Income | 21.26M | 20.01M | 20.46M | 21.15M | 18.63M | 18.25M |
Balance Sheet | ||||||
| Total Assets | 8.50B | 8.57B | 7.23B | 6.89B | 6.66B | 6.45B |
| Cash, Cash Equivalents and Short-Term Investments | 1.73B | 1.89B | 853.49M | 1.04B | 1.19B | 1.28B |
| Total Debt | 1.28B | 1.35B | 922.95M | 977.57M | 1.04B | 1.18B |
| Total Liabilities | 7.90B | 7.97B | 6.69B | 6.36B | 6.14B | 5.94B |
| Stockholders Equity | 603.20M | 603.29M | 543.97M | 531.98M | 519.47M | 509.07M |
Cash Flow | ||||||
| Free Cash Flow | -5.44M | -5.44M | -505.80M | -407.25M | -419.84M | 28.18M |
| Operating Cash Flow | 14.66M | 14.66M | -504.14M | -405.40M | -418.88M | 28.18M |
| Investing Cash Flow | 180.61M | 12.25M | -21.48M | -14.13M | -15.26M | 0 |
| Financing Cash Flow | 843.24M | 59.00K | 340.80M | 271.05M | 343.26M | 0 |
Hypothekarbank Lenzburg AG Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:HBLN, the sentiment is Positive. The current price of 4200.00 is above the 20-day moving average (MA) of 4185.00, above the 50-day MA of 4185.20, and above the 200-day MA of 4116.74, indicating a bullish trend. The MACD of -0.59 indicates Negative momentum. The RSI at 52.04 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:HBLN.
Hypothekarbank Lenzburg AG Peers Comparison
Overall Rating
CH:BCJ61Neutral
CH:TKBP60Neutral- CH:HBLN59Neutral
CH:VATN53Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| CH:BCJ | 61Neutral | CHF 235.12M | 19.10 | ― | 2.61% | -9.78% | 1.63% |
| CH:TKBP | 60Neutral | CHF 644.00M | 3.95 | 6.83% | 2.24% | -10.56% | 3.52% |
| CH:HBLN | 59Neutral | CHF 301.74M | 14.22 | 3.52% | 2.86% | 3.87% | 13.13% |
| CH:VATN | 53Neutral | CHF 2.29B | 14.56 | 5.69% | 4.14% | -10.84% | 3.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CH:HBLN | Hypothekarbank Lenzburg AG | 4200.00 | 314.83 | 8.10% | |
| CH:VATN | Valiant Holding Ag | 145.00 | 18.40 | 14.53% | |
| CH:TKBP | Thurgauer Kantonalbank | 161.00 | 7.50 | 4.88% | |
| CH:BSKP | Basler Kantonalbank Partizipsch | 105.40 | 27.03 | 34.49% | |
| CH:BCJ | Banque Cantonale du Jura | 78.50 | 14.36 | 22.40% | |
| CH:BLKB | Basellandschaftliche Kantonalbank | 1195.00 | 286.96 | 31.60% |
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.
Date of analysis: Aug 04, 2026