Hypothekarbank Lenzburg AG (HBLN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Thurgauer Kantonalbank

Valiant Holding AG

Berner Kantonalbank AG

Glarner Kantonalbank AG

Luzerner Kantonalbank AG

Walliser Kantonalbank

Cembra Money Bank AG

Zuger Kantonalbank AG

St. Galler Kantonalbank AG

Banque Cantonale Vaudoise

Hypothekarbank Lenzburg AG

Why is Hypothekarbank Lenzburg AG ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
A high ratio signifies bank has weaker due diligence systems when giving out loans

Flat results in Jun 25

NII(Q) Lowest at CHF 39.75 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 91.82%
NET SALES(Q) Lowest at CHF 48.44 MM

With ROA of 0.25%, it has a Very Expensive valuation with a 0.59 Price to Book Value

Over the past year, while the stock has generated a return of 2.49%, its profits have fallen by -3%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Hypothekarbank Lenzburg AG for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Hypothekarbank Lenzburg AG

-100.0%

-0.59

14.32%

Switzerland SMI

1.42%

-0.08

16.69%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.40%

EBIT Growth (5y)

-28.66%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

43.00%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.59

EV to EBIT

13.52

EV to EBITDA

8.24

EV to Capital Employed

0.49

EV to Sales

1.62

PEG Ratio

Dividend Yield

3.00%

ROCE (Latest)

3.63%

ROE (Latest)

4.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

1What is working for the Company

CASH AND EQV(HY)

Highest at CHF 1,381.82 MM

-11What is not working for the Company

NII(Q)

Lowest at CHF 39.75 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 91.82%

NET SALES(Q)

Lowest at CHF 48.44 MM

OPERATING PROFIT(Q)

Lowest at CHF 3.24 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 6.68 %

PRE-TAX PROFIT(Q)

Lowest at CHF 3.7 MM

NET PROFIT(Q)

Lowest at CHF 3.14 MM

EPS(Q)

Lowest at CHF 109.03

Here's what is working for Hypothekarbank Lenzburg AG

Cash and Eqv

Highest at CHF 1,381.82 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation

Highest at CHF 7.5 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (CHF MM)

Depreciation

At CHF 7.5 MM has Grown at 88.6%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (CHF MM)

Here's what is not working for Hypothekarbank Lenzburg AG

NII

Lowest at CHF 39.75 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (CHF MM)

Net Sales

Lowest at CHF 48.44 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (CHF MM)

Operating Profit

Lowest at CHF 3.24 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (CHF MM)

Operating Profit Margin

Lowest at 6.68 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at CHF 3.7 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (CHF MM)

Pre-Tax Profit

Fallen at -62.48%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (CHF MM)

Net Profit

Lowest at CHF 3.14 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (CHF MM)

Net Profit

Fallen at -66.87%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is negative

Net Profit (CHF MM)

EPS

Lowest at CHF 109.03

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (CHF)

Credit Deposit Ratio

Lowest at 91.82%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)