Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Luzerner Kantonalbank AG is a leading cantonal bank founded in 1850, serving as the dominant retail banking institution in Canton Lucerne, Switzerland, with a market share of 50-60%. Operating as a full-service universal bank, it provides comprehensive services including real estate and business financing, mortgage loans, pension provision, asset advisory, portfolio management, and investment fund administration through its subsidiaries like LUKB Expert Fondsleitung AG. Backed by a state guarantee from Canton Lucerne, its principal shareholder holding about 61% of shares, the bank maintains high trust levels and supports small and medium-sized enterprises across German-speaking Switzerland. With a balance sheet exceeding 62 billion Swiss Francs, over 1,400 employees, and 23 branches, it ranks among Switzerland's top ten banks, managing client assets of around 42.6 billion Swiss Francs. Luzerner Kantonalbank AG emphasizes sustainable growth, diversified income from interest, commissions, and trading, while integrating ESG factors into its offerings, underscoring its role in regional economic stability and global investment strategies.
Revenue growth slowed to 0.6%, essentially flat. This is a business that needs a catalyst.
Negative free cash flow of -CHF 423M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
CHF 709M
▲ +0.6% YoY
Net Income (TTM)
CHF 295M
▲ +3.1% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
-CHF 423M
▼ -77.1% YoY
Op. Cash Flow (TTM)
CHF 450M
▲ +175.4% YoY
Net Debt
CHF 10.52B
Cash & Equiv.
CHF 7.80B
3Y CAGR: +5.2%
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