Hypothekarbank Lenzburg AG (HBLN) AI Stock Analysis

0 Followers

Hypothekarbank Lenzburg AG

(Six Swiss:HBLN)

Select Model

Rating:51Neutral

Price Target:CHF 4,181.00▲(0.50% Upside)

Action:reiterated

Date:11/06/26

The overall score is 51, reflecting a neutral to slightly cautious outlook. The most significant factor is the company's pressured financial performance, marked by declining margins and volatile cash flows, which offsets a stable balance sheet. The reasonable valuation and solid dividend yield provide support, while technical indicators remain neutral, offering no clear directional catalyst.

Positive Factors

Earnings resilienceRelatively stable net income despite a volatile revenue line indicates resilience in the bank’s core earnings base. This supports ongoing capacity to serve customers, maintain operations, and absorb moderate business fluctuations over the next several quarters, although margins have compressed.

Negative Factors

Sharp revenue contractionThe sharp 2025 revenue decline weakens the near-term earnings trajectory and raises questions about the sustainability of prior top-line growth. Even with stable net income, prolonged revenue pressure could reduce operating flexibility and limit the resources available for investment in future expansion.

Hypothekarbank Lenzburg AG (HBLN) vs. iShares MSCI Switzerland ETF (EWL)

Market Cap: CHF 298.87M
Dividend Yield: 2.88%
Average Volume (3M): 17
Price to Earnings (P/E): 14.1
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

The company primarily makes money through (1) net interest income: it collects customer deposits and other funding and lends these funds mainly as mortgage loans and other credit to private customers and SMEs, earning the spread between interest rece...

Hypothekarbank Lenzburg AG Financial Statement Overview

Summary

Financial performance is mixed. Revenue growth is positive, but declining net profit margins (23% to 14.6%) and a low return on equity (~3.6%) signal deteriorating efficiency. Cash flows are volatile, with a weak operating cash flow coverage ratio of 0.70, though the balance sheet remains stable with growing equity. Overall, adequate but pressured profitability.

Income Statement

40Negative

Balance Sheet

55Neutral

Cash Flow

35Negative

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price4160.00

Price Trends

50DMA4186.80Negative

100DMA4179.60Negative

200DMA4129.64Positive

Market Momentum

MACD-4.26Positive

RSI45.66Neutral

STOCH44.44Neutral

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 4160.00 is below the 20-day moving average (MA) of 4183.00, below the 50-day MA of 4186.80, and above the 200-day MA of 4129.64, indicating a neutral trend. The MACD of -4.26 indicates Positive momentum. The RSI at 45.66 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 Negative sentiment for CH:HBLN.

Hypothekarbank Lenzburg AG Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CH:HBLN against its peers
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 230.63M	18.98	―	2.63%	-9.78%	1.63%
CH:TKBP	60Neutral	CHF 698.00M	4.27	6.83%	2.07%	-10.56%	3.52%
CH:VATN	53Neutral	CHF 2.48B	15.38	5.77%	3.83%	-6.24%	4.69%
CH:HBLN	51Neutral	CHF 298.87M	14.08	3.52%	2.88%	3.87%	13.13%

* Financial Sector Average

Performance Comparison

CH:HBLN and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CH:HBLN	Hypothekarbank Lenzburg AG	4160.00	294.26	7.61%
CH:VATN	Valiant Holding Ag	156.60	24.02	18.12%
CH:TKBP	Thurgauer Kantonalbank	174.00	19.03	12.28%
CH:BSKP	Basler Kantonalbank Partizipsch	108.80	31.01	39.86%
CH:BCJ	Banque Cantonale du Jura	78.00	15.33	24.47%
CH:BLKB	Basellandschaftliche Kantonalbank	1315.00	410.82	45.44%

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.

Date of analysis: Nov 05, 2026

Hypothekarbank Lenzburg AG AI Stock Analysis