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Liechtensteinische Landesbank Aktiengesellschaft (LLAZF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Liechtensteinische Landesbank Aktiengesellschaft $92.26, price $140, upside -34.1%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · US · ISIN LI0355147575

LL Liechtensteinische Landesbank Aktiengesellschaft logo Some data Sep 24, 2026

Liechtensteinische Landesbank Aktiengesellschaft

LLAZF · US

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value $92.26 · Overvalued (−34.1%)
!Quality 53/100
!Expensive Growth (revenue 5y +6.7 %/yr)
✓Highly profitable · 27.2% net margin (TTM)
!negative free cash flow
!2.0% dividend yield · Watch coverage
!Moderate moat 55/100
!Evidence only medium, so the estimate is less certain

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$139.90 $27.59 Fair Value $92.26 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $27.59 – $139.90 · fair‑value band $69.19 – $115.32 · the $139.90 price screens above the $92.26 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Liechtensteinische Landesbank provides banking products and services in Liechtenstein, Switzerland, Germany, and Austria. It operates through the Retail and Corporate Banking, and International Wealth Management segments.

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Liechtensteinische Landesbank provides banking products and services in Liechtenstein, Switzerland, Germany, and Austria. It operates through the Retail and Corporate Banking, and International Wealth Management segments. The company offers savings, current, rent, rental deposit savings, and business investment accounts; and investment plan, LLB funds, and fund savings plan. It also provides advisory models, investment advice, asset management, advisory and investment philosophy, and sustainable investment services; direct investments, including money market, equities, bonds, medium-term notes, time deposit, foreign exchange transactions, foreign exchange and precious metal, and LLB fixed deposit+; and further products, such as structured products, derivative transactions, securities lending, and borrowing products; pay and save products; mortgage financing; Lombard, investment, and business loans; and financial planning and taxes services. In addition, the company offers support services; SME box; digital solutions, including LLB e-banking, LLB connect, EBICS, eBill, QR bill, instant payment, and mobile payments. Further, it provides intermediaries, asset management, and fund services. Liechtensteinische Landesbank was founded in 1861 and is headquartered in Vaduz, Liechtenstein.

Stock analysis

Liechtensteinische Landesbank Aktiengesellschaft (LLAZF) currently trades at $139.90, while our model-based Fair Value estimate is $92.26, 34.1% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $85.88 per share, and 0 of the 4 models we run sit above the $139.90 price.

Bear case: the Asset-Based group reads lowest at $62.67, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $69.19 (bear) to $115.32 (bull), the price of $139.90 sits above 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 53/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Liechtensteinische Landesbank Aktiengesellschaft reported revenue of CHF 612M in FY2025 versus CHF 474M in FY2021, a compound +6.6%/yr. Reported net income was CHF 166M in FY2025, compounding +6.4%/yr from FY2021.

Key figures

Market cap $2.1B · P/E ratio 11.2 · P/S ratio 3.04 · EPS (TTM) $6.25 · Dividend yield 2.0% · Net margin 27.2% · Return on equity 7.3% · Return on assets 0.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and 111% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −34%, LLAZF screens cheaper than that median.

Fair Value models

Bear $69.19 Fair Value $92.26 Bull $115.32
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 ($2.60 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. 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.
Highest evidence
Residual Income $75.06 $78.25 $86.08 76
P/E Multiple $64.41 $85.88 $107.35 63
P/B Multiple $84.23 $112.30 $140.38 55
All 4 models by family
Multiples
P/E Multiple $64.41 $85.88 $107.35 63
P/B Multiple $84.23 $112.30 $140.38 55
Asset-Based
NCAV (Graham) $46.77 $62.67 $93.53 51
Economic Profit
Residual Income $75.06 $78.25 $86.08 76

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Quality Score breakdown

Overall quality 53/100

Of which business quality 54 · Market factors (momentum, volatility) 77

Profitability 40
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 93
Balance sheet, leverage, solvency risk
Investment 75
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 82
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 84
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 46/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+9.9%
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.
+6.5%
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.
+6.7%
Start year 2020 (pandemic)
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.
+9.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.5%
Dividend (yield on the price)2.0%

LLAZF screens overvalued: fair value 34% below the price. Compare with DBS Group →

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Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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Liechtensteinische Landesbank Aktiengesellschaft · Fair Value
$92.26 −34%Fair Value
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Cite: Fair Value Calculator (2026). "Liechtensteinische Landesbank Aktiengesellschaft Fair Value". https://www.fairvalue-calculator.com/stock/LLAZF

Frequently asked questions

Is Liechtensteinische Landesbank Aktiengesellschaft (LLAZF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $92.26 versus the last price from Sep 25, 2026 of $139.90, about −34% upside (overvalued).
What is the fair value of LLAZF?
Our model-based fair value for Liechtensteinische Landesbank Aktiengesellschaft is $92.26 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $139.90.
What is the quality score of LLAZF?
Liechtensteinische Landesbank Aktiengesellschaft has a Quality Score of 53/100. 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 Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
Our model-based price target is the fair value of $92.26 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $69.19, optimistic scenario $115.32. It is a calculation from audited fundamentals, not an analyst target.
What is the Liechtensteinische Landesbank Aktiengesellschaft stock forecast for 2026?
Our models put fair value at $92.26, about −34% upside versus the last price from Sep 25, 2026 of $139.90 (overvalued). Cautious scenario $69.19, optimistic scenario $115.32. The calculation is refreshed regularly with new filings.
What is the revenue of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
Liechtensteinische Landesbank Aktiengesellschaft reported trailing-twelve-month revenue of about CHF 612M (latest available figure, as of Sep 24, 2026).
Does Liechtensteinische Landesbank Aktiengesellschaft pay a dividend?
Liechtensteinische Landesbank Aktiengesellschaft currently shows a dividend yield of about 2.00% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Liechtensteinische Landesbank Aktiengesellschaft it is $92.26 per share (as of Sep 24, 2026), against a price of $139.90. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Liechtensteinische Landesbank Aktiengesellschaft stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LLAZF trades above its calculated fair value: price $139.90, fair value $92.26, a gap of about −34% (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 LLAZF?
No. The price is what the market pays today ($139.90); the fair value is what the company's own numbers justify ($92.26). For Liechtensteinische Landesbank Aktiengesellschaft the two are $47.64 per share apart. That gap is exactly why we show both numbers side by side.
How much is Liechtensteinische Landesbank Aktiengesellschaft worth?
The market values Liechtensteinische Landesbank Aktiengesellschaft at about $2.1B (market capitalisation, as of Sep 24, 2026). Per share that is $139.90; our models calculate a fair value of $92.26 per share.
What do the bullish and bearish scenarios say about LLAZF?
Our models span a range for Liechtensteinische Landesbank Aktiengesellschaft: cautious scenario $69.19, base $92.26, optimistic $115.32 per share (as of Sep 24, 2026, price $139.90). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is LLAZF from its 52-week high?
Liechtensteinische Landesbank Aktiengesellschaft trades at $139.90, at its 52-week high of $139.90 and 111% above the low of $66.40 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $92.26 is for.
Which stocks are comparable to Liechtensteinische Landesbank Aktiengesellschaft?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 Liechtensteinische Landesbank Aktiengesellschaft stock attractive at the current price?
The data as of Sep 24, 2026: price $139.90, calculated fair value $92.26 (−34%), Quality Score 53/100, from 4 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 LLAZF calculated?
We run Liechtensteinische Landesbank Aktiengesellschaft through 4 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 $92.26, 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 14.5 % above its aggregate fair value. Liechtensteinische Landesbank Aktiengesellschaft 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 Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The latest price we hold is from Sep 25, 2026 and stands at $139.90. Our model-based fair value is $92.26, about −34% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Liechtensteinische Landesbank Aktiengesellschaft right now?
The price sits above even our optimistic bull case ($115.32). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Liechtensteinische Landesbank Aktiengesellschaft

How large is the market capitalisation of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The market capitalisation of Liechtensteinische Landesbank Aktiengesellschaft is $2.1B. 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/E ratio of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The price-to-earnings ratio of Liechtensteinische Landesbank Aktiengesellschaft is 11.2 (as of Jun 21, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The price-to-sales ratio of Liechtensteinische Landesbank Aktiengesellschaft is 3.04 (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 Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
Earnings per share at Liechtensteinische Landesbank Aktiengesellschaft are $6.25 (price ÷ EPS = P/E 11.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The dividend yield of Liechtensteinische Landesbank Aktiengesellschaft is 2.0% (payout 44.8%). 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 Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The net margin of Liechtensteinische Landesbank Aktiengesellschaft is 27.2% (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 Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The return on equity (ROE) of Liechtensteinische Landesbank Aktiengesellschaft is 7.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The return on assets (ROA) of Liechtensteinische Landesbank Aktiengesellschaft is 0.6% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
The operating margin of Liechtensteinische Landesbank Aktiengesellschaft is 29.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
Revenue at Liechtensteinische Landesbank Aktiengesellschaft is growing +5.7% versus a year earlier (3y avg +6.5%). 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 Liechtensteinische Landesbank Aktiengesellschaft (LLAZF)?
Earnings per share at Liechtensteinische Landesbank Aktiengesellschaft are growing −2.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Liechtensteinische Landesbank Aktiengesellschaft (LLAZF) generate?
The free cash flow of Liechtensteinische Landesbank Aktiengesellschaft is −CHF 1.5B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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