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Liechtensteinische Landesbank AG has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Liechtensteinische Landesbank AG displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Liechtensteinische Landesbank AG's interest coverage with the available data.
Liechtensteinische Landesbank AG's debt to revenue ratio for the quarter that ended in Dec. 2025 was 6.02.
Altman Z-Score does not apply to banks and insurance companies.
Liechtensteinische Landesbank AG (XSWX:LLBN) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Liechtensteinische Landesbank AG has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Liechtensteinische Landesbank AG Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Liechtensteinische Landesbank AG has enough cash to cover all of its debt. Its financial situation is stable.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Liechtensteinische Landesbank AG (XSWX:LLBN) has a Financial Strength of 3 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Liechtensteinische Landesbank AG and its competitors. This is near median its historical median of 3.00. Over the past decade, Liechtensteinische Landesbank AG's Financial Strength has ranged from 1.00 to 6.00.
Is Liechtensteinische Landesbank AG's Financial Strength too high?
Liechtensteinische Landesbank AG's current Financial Strength of 3 is near median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 6.00. Overall, Liechtensteinische Landesbank AG has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Liechtensteinische Landesbank AG's Financial Strength compare to competitors?
Liechtensteinische Landesbank AG's Financial Strength of 3 can be compared against companies in the Banks industry. Historically, Liechtensteinische Landesbank AG's own Financial Strength has ranged from 1.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Liechtensteinische Landesbank AG and its competitors. Liechtensteinische Landesbank AG's current Financial Strength is 3, which is near median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liechtensteinische Landesbank AG stock overvalued right now?
Based on GuruFocus' analysis, Liechtensteinische Landesbank AG (XSWX:LLBN) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF79.85, compared to a current price of CHF114.60 — trading 43.5% above its estimated fair value. The current Financial Strength is 3, which is near median its 10-year median of 3.00. Liechtensteinische Landesbank AG's overall GF Score™ is 59/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Liechtensteinische Landesbank AG (XSWX:LLBN), the current Financial Strength is 3 as of Dec. 2025. 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 Liechtensteinische Landesbank AG (XSWX:LLBN) Overvalued in 2026?
Based on GuruFocus' analysis, Liechtensteinische Landesbank AG stock appears to be overvalued.
The current stock price of CHF114.60 is trading 43.5% above its estimated GF Value™ of CHF79.85.
GuruFocus considers Liechtensteinische Landesbank AG to be Significantly Overvalued.
Key valuation signals for XSWX:LLBN:
Financial Strength: 3 (near median its 10-year median of 3.00)
GF Value™: CHF79.85 vs. price of CHF114.60 (43.5% above fair value)
No single metric tells the full story. See the XSWX:LLBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Liechtensteinische Landesbank AG Business Description
Liechtensteinische Landesbank AG is a universal banking and financial services group. The bank business activities are divided into the following segments: Retail & Corporate Banking and International Wealth Management. The companies product and services portfolio includes various financial services, such as payment processing, lending, mortgage, individual pension fund solutions, wealth planning, taxation, asset management, and investment advisory, among others. The company generates a majority of its revenue from the Retail & Corporate Banking segment and more than half of its revenue is earned in Liechtenstein and the rest from Switzerland and Austria.
59GF Score
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