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1. Company Snapshot

1.a. Company Description

Zuger Kantonalbank provides various banking products and services to private and corporate clients in Switzerland.It offers private banking products comprising bank accounts in various currencies and card products; personal, savings, and retirement accounts; credit and debit cards; investment advisory, asset management, and online financial investment services; home financing services, including mortgage and home ownership service; and pension products, financial planning, and tax services.The company also provides corporate banking products and services, such as corporate savings accounts and corporate cards; corporate and real estate financing services; occupational pension schemes; and foundation and succession planning services.


In addition, it offers e-banking and mobile banking services.The company operates through 14 branches.Zuger Kantonalbank was founded in 1892 and is based in Zug, Switzerland.

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1.b. Last Insights on ZUGER

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Zuger Kantonalbank Reports First Half 2025 Earnings

Jul -18

Source:

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Should You Be Adding Bâloise Holding (VTX:BALN) To Your Watchlist Today?

Mar -19

Source:

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Growing demand for digital banking services, increasing adoption of online payment systems, and a strong Swiss economy drive growth in Zuger Kantonalbank's Banking and Related Activities segment.

7. Detailed Products

Private Banking

Personalized financial services and investment advice for private individuals

Corporate Banking

Financial solutions for businesses, including cash management, trade finance, and risk management

Mortgage Lending

Competitive mortgage rates and flexible repayment terms for homeowners and investors

Investment Products

Range of investment products, including mutual funds, exchange-traded funds, and structured products

E-Banking and Mobile Banking

Secure online and mobile banking services for easy account management

Payment Services

Efficient payment processing and card services for individuals and businesses

Wealth Management

Comprehensive wealth management solutions, including portfolio management and estate planning

8. Zuger Kantonalbank's Porter Forces

Forces Ranking

Threat Of Substitutes

Zuger Kantonalbank operates in a highly competitive market, with many substitutes available to customers. However, the bank's strong brand reputation and customer loyalty mitigate the threat of substitutes to some extent.

Bargaining Power Of Customers

Zuger Kantonalbank's customers have significant bargaining power due to the availability of alternative banking services. The bank's customers are highly informed and have the ability to switch to competitors if they are not satisfied with the services offered.

Bargaining Power Of Suppliers

Zuger Kantonalbank has a strong bargaining position with its suppliers, as it is a large and established bank with significant purchasing power. This allows the bank to negotiate favorable terms with its suppliers.

Threat Of New Entrants

The threat of new entrants in the banking industry is moderate, as there are significant barriers to entry, including regulatory hurdles and the need for significant capital investment. However, the rise of fintech companies and digital banking platforms has increased the threat of new entrants.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. Zuger Kantonalbank faces intense competition from other banks, as well as from fintech companies and digital banking platforms.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 74.66%
Debt Cost 3.95%
Equity Weight 25.34%
Equity Cost 4.02%
WACC 3.96%
Leverage 294.60%

11. Quality Control: Zuger Kantonalbank passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Growth: 7.1

Quality: 7.3

Yield: 7.5

Momentum: 8.5

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Luzerner Kantonalbank

A-Score: 6.9/10

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Quality: 5.0

Yield: 6.9

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Intercorp Financial Services

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Quality: 6.9

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Quality: 5.7

Yield: 3.1

Momentum: 9.0

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A-Score: 5.2/10

Value: 5.2

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Quality: 5.6

Yield: 0.0

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A-Score: 5.2/10

Value: 2.9

Growth: 5.8

Quality: 5.0

Yield: 5.0

Momentum: 2.5

Volatility: 10.0

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

8740.0$

Current Price

8740$

Potential

-0.00%

Expected Cash-Flows