Hypothekarbank Lenzburg AG (HBLN) Fair Value & Analysis
Financial Services · CH · Market cap CHF 300M
Fair value as of: Jul 13, 2026
From 9 valuation models · updated 28 days ago
Share price +0.5% over the past month.
Below-average quality, and screening another 13% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from CHF 2,715 (bear) to CHF 4,525 (bull), base CHF 3,620. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 40/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range CHF 3,538 – CHF 4,220 · fair‑value band CHF 2,715 – CHF 4,525 · the CHF 4,180 price screens above the CHF 3,620 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
Hypothekarbank Lenzburg AG (HBLN) currently trades at CHF 4,180, while our model-based Fair Value estimate is CHF 3,620, implying the stock looks roughly 13.4% overvalued today. The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Hypothekarbank Lenzburg AG generated revenue of CHF 137M at a net margin of 14.6%. Revenue grew 19.8% year over year. It earns a return on equity of 3.4%. Net debt stands at CHF 1.4B. Fundamentals as of Jul 13, 2026
Our scenario range runs from CHF 2,715 (bear case) to CHF 4,525 (bull case); at CHF 4,180, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 9% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -13%, HBLN screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: DCF Models (CHF 17,632) versus Dividend Discount (CHF 1,393). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 66
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Hypothekarbank Lenzburg AG provides various banking services and products in Switzerland. The company offers savings accounts, including youth, extra, shareholder, and rental deposit savings accounts, as well as personal, mortgage, and property loans.
Full company description
Hypothekarbank Lenzburg AG provides various banking services and products in Switzerland. The company offers savings accounts, including youth, extra, shareholder, and rental deposit savings accounts, as well as personal, mortgage, and property loans. It also provides debit, credit, and travel cards; wealth management, consulting, investment, treasury bonds, and fixed-term deposit services; pension products, pension securities solutions, pension and financial planning, matrimonial property and inheritance law advice, and tax services; and internet banking services. The company was founded in 1868 and is headquartered in Lenzburg, Switzerland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Hypothekarbank Lenzburg AG reported revenue of CHF 137M in FY2025 versus CHF 79.0M in FY2021, a compound +14.8%/yr. Reported net income was CHF 20.0M in FY2025, compounding +2.3%/yr from FY2021.
of which total revenue +8.1 pp · buybacks/dilution +0.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
HBLN screens 13% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 90 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $13.90 | $27.80 | +100% |
| Rocket Companies, Inc RKT | $14.60 | $10.95 | -25% |
| Federal National Mortgage Association FNMAS | $9.55 | $1.93 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹91.33 | ₹61.48 | -33% |
| PennyMac Financial Services, Inc PFSI | $82.35 | $125.45 | +52% |
| UWM Holdings UWMC | $2.02 | $0.2200 | -89% |
| LIC Housing Finance Limited LICHSGFIN | ₹505.00 | ₹1,010 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,150 | ₹762.89 | -34% |
| Aadhar Housing Finance Limited AADHARHFC | ₹496.70 | ₹501.16 | +1% |
| Walker & Dunlop, Inc WD | $48.20 | $32.55 | -32% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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