Hypothekarbank Lenzburg AG (HBLN) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Hypothekarbank Lenzburg AG CHF 3,620, price CHF 4,220, upside -14.2%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 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 4,220 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 Sep 23, 2026.
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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.
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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.
Stock analysis
Hypothekarbank Lenzburg AG (HBLN) currently trades at CHF 4,220, while our model-based Fair Value estimate is CHF 3,620, implying the stock looks roughly 16.6% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of CHF 20,124 per share, and 5 of the 9 models we run sit above the CHF 4,220 price.
Bear case: the Dividend Discount group reads lowest at CHF 1,393, and 4 of the 9 models stay below the price. Evidence for this calculation is medium.
Scenario range: CHF 2,715 (bear) to CHF 4,525 (bull), the price of CHF 4,220 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
Key figures
Market cap CHF 304M · P/E ratio 15.1 · P/S ratio 2.20 · EPS (TTM) CHF 279.14 · Dividend yield 2.8% · Net margin 14.6% · Return on equity 3.4% · Return on assets (EBIT) 0.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades at 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 17% fair-value upside, at −14%, HBLN screens richer than that median.
Fair Value models
Bear CHF 2,715Fair Value CHF 3,620Bull CHF 4,525
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (CHF 116.41 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−5.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.1%
Start year 2020 (pandemic). Over 10 years: +6.9% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.8%
Dividend (yield on the price)2.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.2% vs −1%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 16%
Compare Hypothekarbank Lenzburg AG with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Mortgage Finance · 93 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−13% · Above median
Profitability
Return on equity (TTM)3% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)15% · Below median
Operating margin (TTM)17% · Below median
Growth and dividend
Revenue growth20% · Below median
Dividend yield (TTM)2.8% · Below median
Balance sheet
Debt / equity1.32× · Below median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Hypothekarbank Lenzburg AG Fair Value". https://www.fairvalue-calculator.com/stock/HBLN
Frequently asked questions
Is Hypothekarbank Lenzburg AG (HBLN) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of CHF 3,620 versus a price of CHF 4,220, about −14% upside (overvalued).
What is the fair value of HBLN?
Our model-based fair value for Hypothekarbank Lenzburg AG is CHF 3,620 (as of Sep 23, 2026), built from audited fundamentals. The current price: CHF 4,220.
What is the quality score of HBLN?
Hypothekarbank Lenzburg AG has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hypothekarbank Lenzburg AG (HBLN)?
Our model-based price target is the fair value of CHF 3,620 (as of Sep 23, 2026) from 9 valuation models. Cautious scenario CHF 2,715, optimistic scenario CHF 4,525. It is a calculation from audited fundamentals, not an analyst target.
What is the Hypothekarbank Lenzburg AG stock forecast for 2026?
Our models put fair value at CHF 3,620, about −14% upside versus a price of CHF 4,220 (overvalued). Cautious scenario CHF 2,715, optimistic scenario CHF 4,525. The calculation is refreshed regularly with new filings.
What is the revenue of Hypothekarbank Lenzburg AG (HBLN)?
Hypothekarbank Lenzburg AG reported trailing-twelve-month revenue of about CHF 137M (latest available figure, as of Sep 23, 2026).
Does Hypothekarbank Lenzburg AG pay a dividend?
Hypothekarbank Lenzburg AG currently shows a dividend yield of about 2.84% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Hypothekarbank Lenzburg AG (HBLN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hypothekarbank Lenzburg AG it is CHF 3,620 per share (as of Sep 23, 2026), against a price of CHF 4,220. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Hypothekarbank Lenzburg AG stock overvalued or undervalued in 2026?
As of Sep 23, 2026, HBLN trades above its calculated fair value: price CHF 4,220, fair value CHF 3,620, a gap of about −14% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HBLN?
No. The price is what the market pays today (CHF 4,220); the fair value is what the company's own numbers justify (CHF 3,620). For Hypothekarbank Lenzburg AG the two are CHF 599.88 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hypothekarbank Lenzburg AG worth?
The market values Hypothekarbank Lenzburg AG at about CHF 304M (market capitalisation, as of Sep 23, 2026). Per share that is CHF 4,220; our models calculate a fair value of CHF 3,620 per share.
What do the bullish and bearish scenarios say about HBLN?
Our models span a range for Hypothekarbank Lenzburg AG: cautious scenario CHF 2,715, base CHF 3,620, optimistic CHF 4,525 per share (as of Sep 23, 2026, price CHF 4,220). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HBLN?
Hypothekarbank Lenzburg AG trades at a price-to-earnings ratio of 15.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of CHF 3,620 is built from several models across several years. Other multiples: P/B 0.7, P/S 2.7.
How solid is the balance sheet of Hypothekarbank Lenzburg AG (HBLN)?
Balance-sheet figures for Hypothekarbank Lenzburg AG (as of Sep 23, 2026): return on equity 3.4%, debt of 1.32 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is HBLN from its 52-week high?
Hypothekarbank Lenzburg AG trades at CHF 4,220, at its 52-week high of CHF 4,220 and 9% above the low of CHF 3,866 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 3,620 is for.
Which stocks are comparable to Hypothekarbank Lenzburg AG?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Hypothekarbank Lenzburg AG stock attractive at the current price?
The data as of Sep 23, 2026: price CHF 4,220, calculated fair value CHF 3,620 (−14%), Quality Score 40/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HBLN calculated?
We run Hypothekarbank Lenzburg AG through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of CHF 3,620, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Hypothekarbank Lenzburg AG itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Hypothekarbank Lenzburg AG (HBLN)?
The closing price on Sep 24, 2026 was CHF 4,220. Our model-based fair value is CHF 3,620, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hypothekarbank Lenzburg AG right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Hypothekarbank Lenzburg AG (HBLN) come from?
Earnings per share at Hypothekarbank Lenzburg AG grew −0.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.2 %, EBIT margin −8.1 %, tax rate +0.6 %, residual (interest, one-offs) −0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Hypothekarbank Lenzburg AG
How large is the market capitalisation of Hypothekarbank Lenzburg AG (HBLN)?
The market capitalisation of Hypothekarbank Lenzburg AG is CHF 304M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Hypothekarbank Lenzburg AG (HBLN)?
The price-to-sales ratio of Hypothekarbank Lenzburg AG is 2.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Hypothekarbank Lenzburg AG (HBLN)?
Earnings per share at Hypothekarbank Lenzburg AG are CHF 279.14 (price ÷ EPS = P/E 15.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Hypothekarbank Lenzburg AG (HBLN)?
The dividend yield of Hypothekarbank Lenzburg AG is 2.8% (payout 43.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Hypothekarbank Lenzburg AG (HBLN)?
The net margin of Hypothekarbank Lenzburg AG is 14.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Hypothekarbank Lenzburg AG (HBLN)?
The return on equity (ROE) of Hypothekarbank Lenzburg AG is 3.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Hypothekarbank Lenzburg AG (HBLN)?
On an EBIT basis the return on assets of Hypothekarbank Lenzburg AG is 0.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Hypothekarbank Lenzburg AG (HBLN)?
The operating margin of Hypothekarbank Lenzburg AG is 17.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hypothekarbank Lenzburg AG (HBLN)?
Revenue at Hypothekarbank Lenzburg AG is growing +19.8% versus a year earlier (3y avg +16.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Hypothekarbank Lenzburg AG (HBLN)?
Earnings per share at Hypothekarbank Lenzburg AG are growing +11.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Hypothekarbank Lenzburg AG (HBLN) generate?
The free cash flow of Hypothekarbank Lenzburg AG is −CHF 5.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Hypothekarbank Lenzburg AG (HBLN) carry?
The net debt of Hypothekarbank Lenzburg AG is CHF 1.4B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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