0.73%
5.69%
7.68%
3.00%
-4.72%
-16.65%
-15.03%
AI Spotlight on LUKN
Company Description
Luzerner Kantonalbank AG provides various banking products and services to individuals, companies, institutions, families, and non-profit organizations in Switzerland.It offers accounts and deposit products; savings and pension solutions; investment funds for investments; cards; and financing and guarantee services.The company also provides payment transaction, financial planning, trade finance, cash management, portfolio management, investment products and advisory, FX instruments advisory and support, real estate and business financing, pension provision, asset advisory and management, and e-banking services.
It operates through a network pf 26 branches.The company was formerly known as Kantonale Spar-und Leihkasse and changed its name to Luzerner Kantonalbank AG in 1892.Luzerner Kantonalbank AG was founded in 1850 and is headquartered in Lucerne, Switzerland.
Market Data
| Last Price | 68.7 |
| Change Percentage | 0.73% |
| Open | 67.8 |
| Previous Close | 68.2 |
| Market Cap ( Millions) | 3388 |
| Volume | 16934 |
| Year High | 72.9 |
| Year Low | 60.5 |
| M A 50 | 65.63 |
| M A 200 | 65.78 |
Financial Ratios
| FCF Yield | 0.45% |
| Dividend Yield | 3.64% |
| ROE | 7.91% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 15761.43% |
| Price To Book | 0.87 |
| Price Earnings Ratio | 12.16 |
| Price To FCF | 224.11 |
| Price To sales | 2.99 |
| EV / EBITDA | 97.88 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Private and Commercial Customers
Expected Growth : 2.5 %
What the company do ?
Private customers are individuals, while commercial customers are businesses and corporations, both served by Luzerner Kantonalbank AG with tailored financial solutions.
Why we expect these perspectives ?
For Private Customers, growth drivers include increasing demand for digital banking services, expanding mortgage lending, and a strong reputation in the region. For Commercial Customers, drivers include a growing SME sector, increasing demand for cash management and trade finance solutions, and the bank's expertise in serving the local business community.
Segment n°2 -> Corporate Center
Expected Growth : 1.8 %
What the company do ?
The Corporate Center of Luzerner Kantonalbank AG is the central hub for corporate banking, providing tailored financial solutions to businesses and institutions.
Why we expect these perspectives ?
The 1.8% growth of Corporate Center at Luzerner Kantonalbank AG is driven by increasing demand for cash management and trade finance services from Swiss SMEs, coupled with the bank's strategic expansion into digital banking platforms, enhancing customer experience and driving operational efficiency.
Segment n°3 -> Corporate Customers
Expected Growth : 2.2 %
What the company do ?
Corporate Customers from Luzerner Kantonalbank AG refers to large businesses and organizations that maintain a banking relationship with the bank, receiving tailored financial services and solutions.
Why we expect these perspectives ?
The 2.2% growth in Corporate Customers from Luzerner Kantonalbank AG is driven by a combination of factors, including a strong Swiss economy, increasing demand for cash management and trade finance services, and the bank's strategic expansion into new industries such as renewable energy and technology.
Segment n°4 -> Private Banking
Expected Growth : 1.5 %
What the company do ?
Private Banking from Luzerner Kantonalbank AG offers personalized wealth management services to high net worth individuals, providing tailored investment solutions and discreet advisory.
Why we expect these perspectives ?
Luzerner Kantonalbank AG's private banking segment growth of 1.5% is driven by increasing demand for wealth management services from high net worth individuals, strong relationships with local entrepreneurs, and a solid reputation for discretion and security. Additionally, the bank's strategic expansion into adjacent regions and its investment in digital platforms have contributed to its growth.
Luzerner Kantonalbank Ag Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized financial services and investment advice for high net worth individuals |
| Corporate Banking | Financial solutions and advisory services for businesses and corporations |
| Retail Banking | Everyday banking services for individuals and small businesses |
| Mortgage Lending | Home financing solutions for individuals and businesses |
| Investment Management | Portfolio management and investment advisory services |
| E-Banking | Online banking platform for secure and convenient banking |
| Card Services | Credit and debit card solutions for individuals and businesses |
| Payment Services | Secure and efficient payment processing solutions |
Luzerner Kantonalbank AG's Porter Forces
Threat Of Substitutes
The threat of substitutes for Luzerner Kantonalbank AG is moderate, as customers have alternative banking options available.
Bargaining Power Of Customers
The bargaining power of customers is low, as Luzerner Kantonalbank AG has a strong customer base and offers personalized services.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate, as Luzerner Kantonalbank AG relies on a few key suppliers for its operations.
Threat Of New Entrants
The threat of new entrants is high, as the banking industry is highly competitive and new fintech companies are emerging.
Intensity Of Rivalry
The intensity of rivalry is high, as Luzerner Kantonalbank AG operates in a highly competitive market with many established players.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 87.92% |
| Debt Cost | 3.95% |
| Equity Weight | 12.08% |
| Equity Cost | 4.94% |
| WACC | 4.07% |
| Leverage | 727.52% |
Luzerner Kantonalbank AG : Quality Control
Luzerner Kantonalbank AG passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CMBN.SW | Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and … |
| BAP | Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current … |
| BIRG.IR | Bank of Ireland Group plc provides various banking and financial products and services. The company operates through Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury segments. It … |
| ZUGER.SW | 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, … |
| BCP.LS | Banco Comercial Português, S.A., together with its subsidiaries, provides various banking and financial products and services under the Millennium bcp brand. It operates through Retail Banking; Companies, Corporate & Investment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Cembra Money Bank
A-Score
1-Year Total Return ->
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BCP
A-Score
1-Year Total Return ->
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Credicorp
A-Score
1-Year Total Return ->
4
Bank of Ireland
A-Score
1-Year Total Return ->
5
Zuger KB
A-Score
1-Year Total Return ->
6
