Hypothekarbank Lenzburg AG

HBLN.SW

Banks - Regional · Financial Services

Exchange

SIX Swiss Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Mixed

Valuation

Mixed

Dividends

Good

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Winston Score History

The full picture

Hypothekarbank Lenzburg AG is a small Swiss regional bank based in Lenzburg, in the canton of Aargau. It offers everyday banking services like savings accounts, mortgages, and loans, mainly to individuals and small businesses in the local area. The bank is one of Switzerland's older independent cantonal-style banks and is known for being an early adopter of open banking technology.

The bank earns money primarily through interest income — it takes in deposits and lends that money out as mortgages and loans, keeping the difference. It operates almost entirely within Switzerland, making it a very locally focused institution with a market cap of around $0.3 billion. Its main competitive edge is its deep community roots and its fintech-forward approach, including its "Finstar" banking platform, which it licenses to other Swiss banks — but its small size and geographic concentration mean that any slowdown in the Swiss housing market or rise in interest rate pressure could meaningfully hurt earnings.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+39.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+16.0% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

1.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↑ Burn rate improving

CHF 8.4B cash & investments at current burn rate

Revenue accelerating

Hypothekarbank Lenzburg AG grew revenue 39% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-6.2%

Shrinking sales (-6.2% YoY)

Profit growth

EPS YoY

+12.8%

Earnings growing (+12.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

15.1x

no trend

Fair value — P/E 15.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

2.86%

no trend

Moderate income — 2.86% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+6.7%

no trend

Dividend growing modestly (6.7% YoY)

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