Hypothekarbank Lenzburg AGXSWX:HBLN 59 PB Ratio is 0.49 as of Jul. 02, 2026, which is 21% below its 10-year median of 0.62. GuruFocus rates XSWX:HBLN with a GF Score™ of 59/100 and a GF Value™ of CHF5,024.16 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,517 Banks companies, Hypothekarbank Lenzburg AG ranks better than 88.4% on this metric.
Hypothekarbank Lenzburg AG stock PB Ratio (=0.49) is close to 10-year low of 0.47.
The historical rank and industry rank for Hypothekarbank Lenzburg AG's PB Ratio or its related term are showing as below:
XSWX:HBLN'
s PB Ratio Range Over the Past 10 Years
Min: 0.47 Med: 0.62 Max: 0.74
Current: 0.49
During the past 13 years, Hypothekarbank Lenzburg AG's highest PB Ratio was 0.74. The lowest was 0.47. And the median was 0.62.
XSWX:HBLN's PB Ratio is ranked better than 88.4% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs XSWX:HBLN: 0.49
During the past 12 months, Hypothekarbank Lenzburg AG's average Book Value Per Share Growth Rate was 2.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Hypothekarbank Lenzburg AG was 13.40% per year. The lowest was 1.90% per year. And the median was 3.50% per year.
Back to Basics: PB Ratio
Hypothekarbank Lenzburg AG (XSWX:HBLN) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Hypothekarbank Lenzburg AG PB Ratio Related Terms
Hypothekarbank Lenzburg AG PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, Hypothekarbank Lenzburg AG's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hypothekarbank Lenzburg AG PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hypothekarbank Lenzburg AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hypothekarbank Lenzburg AG's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Hypothekarbank Lenzburg AG (XSWX:HBLN) has a PB Ratio of 0.49 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hypothekarbank Lenzburg AG and its competitors. This is 21% below median its historical median of 0.62. Over the past decade, Hypothekarbank Lenzburg AG's PB Ratio has ranged from 0.47 to 0.74. According to the industry distribution chart, Hypothekarbank Lenzburg AG ranks #176 out of 1517 companies in the Banks industry, placing it in the top 11.6%.
Is Hypothekarbank Lenzburg AG's PB Ratio too high?
Hypothekarbank Lenzburg AG's current PB Ratio of 0.49 is 21% below median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 0.74. The Banks industry median PB Ratio is 1.10. Hypothekarbank Lenzburg AG's value of 0.49 is 55.5% below this industry median. Based on the distribution chart, Hypothekarbank Lenzburg AG ranks #176 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hypothekarbank Lenzburg AG has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hypothekarbank Lenzburg AG's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Hypothekarbank Lenzburg AG ranks #176 out of 1517 companies for PB Ratio. This places Hypothekarbank Lenzburg AG in the top 12% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. Hypothekarbank Lenzburg AG's value of 0.49 is 55.5% below this benchmark. Historically, Hypothekarbank Lenzburg AG's own PB Ratio has ranged from 0.47 to 0.74 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 1.10, Hypothekarbank Lenzburg AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hypothekarbank Lenzburg AG's current PB Ratio of 0.49 is 55.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hypothekarbank Lenzburg AG and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypothekarbank Lenzburg AG's current PB Ratio is 0.49, which is 21% below median its own 10-year median of 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypothekarbank Lenzburg AG stock overvalued right now?
Based on GuruFocus' analysis, Hypothekarbank Lenzburg AG (XSWX:HBLN) is currently considered Modestly Undervalued. The stock's GF Value™ is CHF5,024.16, compared to a current price of CHF4,100.00 — trading 18.4% below its estimated fair value. The current PB Ratio is 0.49, which is 21% below median its 10-year median of 0.62 and 55.5% below the Banks industry median of 1.10. Hypothekarbank Lenzburg AG's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Hypothekarbank Lenzburg AG (XSWX:HBLN), the current PB Ratio is 0.49 as of Jul. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hypothekarbank Lenzburg AG (XSWX:HBLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hypothekarbank Lenzburg AG stock appears to be undervalued.
The current stock price of CHF4,100.00 is trading 18.4% below its estimated GF Value™ of CHF5,024.16.
GuruFocus considers Hypothekarbank Lenzburg AG to be Modestly Undervalued.
Key valuation signals for XSWX:HBLN:
PB Ratio: 0.49 (21% below median its 10-year median of 0.62)
GF Value™: CHF5,024.16 vs. price of CHF4,100.00 (18.4% below fair value)
Industry Position: 55.5% below the Banks median (#176 of 1517)
No single metric tells the full story. See the XSWX:HBLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hypothekarbank Lenzburg AG is a Swiss mortgage bank. The Bank provides lending and other general banking services. It also focuses on housing construction, commercial, industrial, and Rest properties. It provides consultation services, mortgage, investment options to its clients and E-banking service.
59GF Score
Get the complete analysis for XSWX:HBLN
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:HBLN has been successfully added to your 
