(LUKN) Luzerner Kantonalbank - Ratings and Ratios
Accounts, Mortgages, Cards, E-Banking, Asset Management
LUKN EPS (Earnings per Share)
LUKN Revenue
Description: LUKN Luzerner Kantonalbank
Luzerner Kantonalbank AG is a Swiss banking institution providing a comprehensive range of financial products and services to individuals and businesses. The banks extensive offerings include account management, pension products, mortgage financing, digital banking, and various investment solutions.
With a history dating back to 1850, Luzerner Kantonalbank AG has established itself as a reputable player in the Swiss banking sector. The banks headquarters is located in Lucerne, Switzerland, and it operates under the ticker symbol LUKN, categorized under the Consumer Finance sub-industry according to the GICS classification.
From a financial perspective, Luzerner Kantonalbank AG has a market capitalization of approximately CHF 3.66 billion, with a price-to-earnings ratio of 12.74, indicating a relatively stable valuation. The banks return on equity stands at 7.51%, suggesting a decent level of profitability. To further assess the banks performance, key performance indicators (KPIs) such as the net interest margin, cost-to-income ratio, and loan-to-deposit ratio could be examined.
Some additional KPIs that could be considered when evaluating Luzerner Kantonalbank AG include the banks capital adequacy ratio, which is crucial for assessing its financial stability, and the ratio of non-performing loans to total loans, which provides insight into the banks asset quality. Furthermore, the banks dividend yield and payout ratio could be analyzed to determine its attractiveness to income-seeking investors.
LUKN Stock Overview
| Market Cap in USD | 4,712m |
| Sub-Industry | Consumer Finance |
| IPO / Inception |
LUKN Stock Ratings
| Growth Rating | 30.5% |
| Fundamental | 59.5% |
| Dividend Rating | 29.8% |
| Return 12m vs S&P 500 | 2.38% |
| Analyst Rating | - |
LUKN Dividends
| Dividend Yield 12m | 1.81% |
| Yield on Cost 5y | 1.91% |
| Annual Growth 5y | 0.33% |
| Payout Consistency | 96.3% |
| Payout Ratio | 29.3% |
LUKN Growth Ratios
| Growth Correlation 3m | 94.2% |
| Growth Correlation 12m | 92.3% |
| Growth Correlation 5y | -43.1% |
| CAGR 5y | 2.34% |
| CAGR/Max DD 5y | 0.10 |
| Sharpe Ratio 12m | 2.26 |
| Alpha | 11.40 |
| Beta | 0.340 |
| Volatility | 10.81% |
| Current Volume | 17.7k |
| Average Volume 20d | 14.4k |
| Stop Loss | 74 (-3%) |
| Signal | -0.22 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (288.4m TTM) > 0 and > 6% of Revenue (6% = 53.8m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 1.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -244.7% (prev 672.6%; Δ -917.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 823.0m > Net Income 288.4m (YES >=105%, WARN >=100%) |
| Current Ratio 0.78 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (49.3m) change vs 12m ago 0.02% (target <= -2.0% for YES) |
| Gross Margin 46.40% (prev 41.94%; Δ 4.46pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 1.50% (prev 1.62%; Δ -0.12pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.36 (EBITDA TTM 160.2m / Interest Expense TTM 480.9m) >= 6 (WARN >= 3) |
Altman Z'' -0.01
| (A) -0.04 = (Total Current Assets 8.00b - Total Current Liabilities 10.20b) / Total Assets 60.22b |
| (B) 0.04 = Retained Earnings (Balance) 2.71b / Total Assets 60.22b |
| (C) 0.00 = EBIT TTM 174.1m / Avg Total Assets 59.64b |
| (D) 0.06 = Book Value of Equity 3.44b / Total Liabilities 56.78b |
| Total Rating: -0.01 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.49
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 1.45% = 0.72 |
| 3. FCF Margin 89.58% = 7.50 |
| 4. Debt/Equity 17.35 = -2.50 |
| 5. Debt/Ebitda 372.4 = -2.50 |
| 6. ROIC - WACC 0.18% = 0.22 |
| 7. RoE 7.51% = 0.63 |
| 8. Rev. Trend 56.82% = 2.84 |
| 9. Rev. CAGR 24.18% = 2.50 |
| 10. EPS Trend 56.61% = 1.42 |
| 11. EPS CAGR 6.59% = 0.66 |
What is the price of LUKN shares?
Over the past week, the price has changed by -0.26%, over one month by +3.67%, over three months by +11.55% and over the past year by +19.76%.
Is Luzerner Kantonalbank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LUKN is around 80.72 CHF . This means that LUKN is currently overvalued and has a potential downside of 5.79%.
Is LUKN a buy, sell or hold?
What are the forecasts/targets for the LUKN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 87 | 14% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 85.2 | 11.6% |
LUKN Fundamental Data Overview
Market Cap CHF = 3.78b (3.78b CHF * 1.0 CHF.CHF)
CCE Cash And Equivalents = 7.87b CHF (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.1164
P/S = 5.6642
P/B = 0.9139
Beta = 0.204
Revenue TTM = 897.1m CHF
EBIT TTM = 174.1m CHF
EBITDA TTM = 160.2m CHF
Long Term Debt = 56.09b CHF (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 3.59b CHF (from shortTermDebt, last quarter)
Debt = 59.68b CHF (Calculated: Short Term 3.59b + Long Term 56.09b)
Net Debt = 25.58b CHF (from netDebt column, last quarter)
Enterprise Value = 55.59b CHF (3.78b + Debt 59.68b - CCE 7.87b)
Interest Coverage Ratio = 0.36 (Ebit TTM 174.1m / Interest Expense TTM 480.9m)
FCF Yield = 1.45% (FCF TTM 803.6m / Enterprise Value 55.59b)
FCF Margin = 89.58% (FCF TTM 803.6m / Revenue TTM 897.1m)
Net Margin = 32.15% (Net Income TTM 288.4m / Revenue TTM 897.1m)
Gross Margin = 46.40% ((Revenue TTM 897.1m - Cost of Revenue TTM 480.9m) / Revenue TTM)
Tobins Q-Ratio = 16.14 (Enterprise Value 55.59b / Book Value Of Equity 3.44b)
Interest Expense / Debt = 0.15% (Interest Expense 92.3m / Debt 59.68b)
Taxrate = 11.63% (from yearly Income Tax Expense: 37.7m / 324.4m)
NOPAT = 153.9m (EBIT 174.1m * (1 - 11.63%))
Current Ratio = 0.78 (Total Current Assets 8.00b / Total Current Liabilities 10.20b)
Debt / Equity = 17.35 (Debt 59.68b / last Quarter total Stockholder Equity 3.44b)
Debt / EBITDA = 372.4 (Net Debt 25.58b / EBITDA 160.2m)
Debt / FCF = 74.26 (Debt 59.68b / FCF TTM 803.6m)
Total Stockholder Equity = 3.84b (last 4 quarters mean)
RoA = 0.48% (Net Income 288.4m, Total Assets 60.22b )
RoE = 7.51% (Net Income TTM 288.4m / Total Stockholder Equity 3.84b)
RoCE = 0.29% (Ebit 174.1m / (Equity 3.84b + L.T.Debt 56.09b))
RoIC = 0.74% (NOPAT 153.9m / Invested Capital 20.77b)
WACC = 0.56% (E(3.78b)/V(63.46b) * Re(7.27%)) + (D(59.68b)/V(63.46b) * Rd(0.15%) * (1-Tc(0.12)))
Shares Correlation 5-Years: 97.50 | Cagr: 3.86%
Discount Rate = 7.27% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈495.3m ; Y1≈325.2m ; Y5≈148.7m
Fair Price DCF = 59.27 (DCF Value 2.92b / Shares Outstanding 49.3m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 56.82 | Revenue CAGR: 24.18%
Rev Growth-of-Growth: -34.19
EPS Correlation: 56.61 | EPS CAGR: 6.59%
EPS Growth-of-Growth: -6.46