Hypothekarbank Lenzburg makes its money the old-fashioned way, lending against Swiss residential and commercial property and funding that book with customer deposits, and it is a 302M CHF market cap bank rather than a fintech story. Its edge is local: a long-standing franchise in the Aargau region, where a regional lender can hold share against larger Swiss banks through deposit relationships and mortgage servicing. The near-term driver is simply the rate and credit cycle, since net interest income on a mortgage book moves with the spread between lending and funding costs. The stock trades at a 14.2 trailing P/E with a 16.8% operating margin, but revenue grew only 0.7% and ROE sits at 3.6%, which is thin for a bank and suggests a large, lightly levered balance sheet earning little on its equity. That combination makes it a candidate for a deeper look on capital efficiency and loan book quality, not on growth.
Plain-English pros, cons, and what to watch. Pro feature.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
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Follow the informed money: 13F position changes, insider and Congress trades, and 13D activist filings.
| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 23 Oct 2026, 01:53 CEST | ACCE price target | CHF 4150 | first publication | CHF 4200 |
| 22 Oct 2026, 12:04 CEST | Rating | Undervalued | first publication | CHF 4200 |
| 22 Oct 2026, 12:04 CEST | Fair value | CHF 5446 | first publication | CHF 4200 |
Answered from Hypothekarbank Lenzburg AG fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| HBLN.SW Hypothekarbank Lenzburg AG | CHF 4160.00 | CHF 5446 | 24% below | 14.0x | 3.6% | 59 | 54 |
| BETR Better Home & Finance Holding Company Class A Common Stock | $16.72 | - | - | - | -250.4% | 29 | 27 |
| PBB.DE Deutsche Pfandbriefbank AG | €2.83 | - | - | - | -0.9% | 38 | 26 |
| LDI loanDepot Inc. Class A Common Stock | $0.61 | - | - | - | -26.7% | 29 | 24 |
| ONIT Onity Group Inc. Common Stock | $25.70 | - | - | 1.7x | 23.8% | 74 | 51 |
| VEL Velocity Financial Inc. Common Stock | $15.30 | $31 | 51% below | 5.6x | 16.3% | 72 | 47 |
| WD Walker & Dunlop Inc Common Stock | $34.16 | $48 | 29% below | 28.9x | 2.4% | 45 | 33 |
Where HBLN.SW ranks against its sector peers on each metric.