Liechtensteinische Landesbank AG AI Stock Analysis
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Liechtensteinische Landesbank AG (LLBN) AI Stock Analysis
Liechtensteinische Landesbank AG
(Six Swiss:LLBN)
The score is held back primarily by financial quality concerns—multi-year cash-flow inconsistency, rising leverage, and a significant 2025 income statement anomaly that reduces confidence in recent results. These are partly offset by strong technical momentum (price above key moving averages with positive MACD) and a reasonable valuation supported by a moderate P/E and a ~2.39% dividend yield.
Liechtensteinische Landesbank AG (LLBN) vs. iShares MSCI Switzerland ETF (EWL)
- Market Cap
- CHF 3.68B
- Dividend Yield
- 2.32%
- Average Volume (3M)
- 19.13K
- Price to Earnings (P/E)
- 20.4
- Beta (1Y)
- 0.16
- Revenue Growth
- -1.79%
- EPS Growth
- 7.55%
- Country
- Switzerland
- Employees
- 1,416
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks
Liechtensteinische Landesbank AG Business Overview & Revenue Model
Company Description
Liechtensteinische Landesbank AG engages in the provision of banking services. It operates through the following business segments: Retail and Corporate Banking; Private Banking; and Institutional Clients. The Retail and Corporate Banking provides un...
Liechtensteinische Landesbank AG Financial Statement Overview
Summary
Profitability and asset/equity growth were generally steady in 2020–2024, but cash-flow quality is weak due to multiple years of negative operating/free cash flow (2022–2024). The latest results also carry a major red flag: 2025 shows negative revenue and negative reported net margin despite positive net income, reducing confidence in the most recent trend. Leverage has also risen materially (debt-to-equity ~1.9 in 2024–2025).
Income Statement
52NeutralBalance Sheet
62PositiveCash Flow
35Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.01B | 856.73M | 556.56M | 541.97M | 503.19M | 476.40M |
| Gross Profit | 687.23M | 611.77M | 556.56M | 541.77M | 505.90M | 473.91M |
| EBITDA | 261.33M | 241.70M | 0 | 232.37M | 211.02M | 198.53M |
| Net Income | 180.41M | 166.50M | 167.11M | 164.57M | 147.54M | 129.91M |
Balance Sheet | ||||||
| Total Assets | 28.89B | 28.32B | 27.77B | 25.69B | 25.22B | 25.13B |
| Cash, Cash Equivalents and Short-Term Investments | 5.44B | 5.75B | 7.19B | 6.78B | 6.70B | 8.12B |
| Total Debt | 4.78B | 4.39B | 4.19B | 2.61B | 2.22B | 1.99B |
| Total Liabilities | 26.48B | 25.96B | 25.54B | 23.56B | 23.19B | 22.89B |
| Stockholders Equity | 2.41B | 2.36B | 2.23B | 2.13B | 2.02B | 2.10B |
Cash Flow | ||||||
| Free Cash Flow | 280.75M | 131.59M | -388.49M | -517.96M | -69.61M | 740.47M |
| Operating Cash Flow | 301.73M | 156.47M | -353.00M | -483.93M | -33.19M | 763.97M |
| Investing Cash Flow | -1.26B | -1.02B | -212.06M | -80.61M | -461.04M | -290.63M |
| Financing Cash Flow | 457.85M | 486.25M | 340.64M | 294.80M | 45.79M | 81.81M |
Liechtensteinische Landesbank AG Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:LLBN, the sentiment is Positive. The current price of 120.80 is above the 20-day moving average (MA) of 116.03, above the 50-day MA of 115.07, and above the 200-day MA of 105.06, indicating a bullish trend. The MACD of 1.33 indicates Negative momentum. The RSI at 68.78 is Neutral, neither overbought nor oversold. The STOCH value of 92.65 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:LLBN.
Liechtensteinische Landesbank AG Peers Comparison
Overall Rating
CH:WKBN74Outperform
CH:GRKP72Outperform
CH:BEKN67Neutral- CH:LLBN58Neutral
CH:VATN53Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CH:WKBN | 74Outperform | CHF 2.58B | 29.17 | 5.17% | 2.43% | -11.86% | 3.44% |
| CH:GRKP | 72Outperform | CHF 1.95B | 27.36 | ― | 1.83% | -10.09% | 16.74% |
| CH:BEKN | 67Neutral | CHF 4.19B | 23.18 | 5.89% | 2.37% | -3.86% | -0.07% |
| CH:LLBN | 58Neutral | CHF 3.67B | 20.37 | ― | 2.32% | -1.79% | 7.55% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| CH:VATN | 53Neutral | CHF 2.45B | 15.28 | 5.77% | 3.86% | -6.24% | 4.69% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CH:LLBN | Liechtensteinische Landesbank AG | 120.80 | 45.92 | 61.33% | |
| CH:BEKN | Berner Kantonalbank AG | 455.00 | 190.73 | 72.17% | |
| CH:WKBN | Walliser Kantonalbank | 164.50 | 39.72 | 31.83% | |
| CH:VATN | Valiant Holding Ag | 155.60 | 21.29 | 15.85% | |
| CH:GRKP | Graubuendner Kantonalbank | 2600.00 | 858.96 | 49.34% | |
| CH:BLKB | Basellandschaftliche Kantonalbank | 1325.00 | 413.11 | 45.30% |
Liechtensteinische Landesbank AG Corporate Events
LLB Schweiz Builds St. Gallen Competence Center to Boost Private and Corporate Banking in Eastern Switzerland
LLB (Schweiz) AG is a universal bank rooted in Northeastern Switzerland, offering retail, Private Banking and corporate client services through a regional branch network and digital channels. As part of the LLB Group, it focuses on providing holistic...
LLB Strengthens Role as Financial Partner at LIHGA 2026
Liechtensteinische Landesbank will remain the financial partner of LIHGA 2026, Liechtenstein’s major trade and experience fair, underscoring its close connection to local businesses and the national business location. The bank positions LIHGA as a ke...
LLB backs new Rhiblok climbing hall to boost Liechtenstein’s sports landscape
Liechtensteinische Landesbank AG, the oldest bank in Liechtenstein and majority-owned by the state, serves private and institutional clients across Liechtenstein, Switzerland, Austria, Germany and the United Arab Emirates. Listed on the SIX Swiss Exc...
LLB Group Delivers Record Volumes and Higher Profit as ACT‑26 Strategy Nears Completion
Liechtensteinische Landesbank’s LLB Group reported a strong first half of 2026, underscoring its position as a robust regional wealth manager and universal bank. The group’s diversified earnings base, covering private and corporate clients and intern...
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 07, 2026