Luzerner Kantonalbank AG
Luzerner Kantonalbank AG provides various banking products and services in Switzerland. It operates through Private & Commercial Customers, Corporate Customers, Private Banking, and Corporate Center segments. The company offers real estate and business financing, pension provision, and asset advisory and management; investment fund administration; savings, private, gift savings, investment, club,… Read more
Luzerner Kantonalbank AG (LUKN) - Net Assets
Latest net assets as of December 2025: CHF3.53 Billion CHF
Based on the latest financial reports, Luzerner Kantonalbank AG (LUKN) has net assets worth CHF3.53 Billion CHF as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CHF62.25 Billion) and total liabilities (CHF58.72 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CHF3.53 Billion |
| % of Total Assets | 5.67% |
| Annual Growth Rate | 6.11% |
| 5-Year Change | -90.84% |
| 10-Year Change | 36.87% |
| Growth Volatility | 232.28 |
Luzerner Kantonalbank AG - Net Assets Trend (2005–2025)
This chart illustrates how Luzerner Kantonalbank AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Luzerner Kantonalbank AG (2005–2025)
The table below shows the annual net assets of Luzerner Kantonalbank AG from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | CHF3.53 Billion | -12.73% |
| 2024-12-31 | CHF4.05 Billion | +26.94% |
| 2023-12-31 | CHF3.19 Billion | -1.30% |
| 2022-12-31 | CHF3.23 Billion | -91.62% |
| 2021-12-31 | CHF38.53 Billion | +5.98% |
| 2020-12-31 | CHF36.35 Billion | +12.91% |
| 2019-12-31 | CHF32.19 Billion | +1062.29% |
| 2018-12-31 | CHF2.77 Billion | +3.73% |
| 2017-12-31 | CHF2.67 Billion | +3.53% |
| 2016-12-31 | CHF2.58 Billion | +3.66% |
| 2015-12-31 | CHF2.49 Billion | +8.89% |
| 2014-12-31 | CHF2.29 Billion | +4.61% |
| 2013-12-31 | CHF2.18 Billion | +3.93% |
| 2012-12-31 | CHF2.10 Billion | +43.92% |
| 2011-12-31 | CHF1.46 Billion | +5.36% |
| 2010-12-31 | CHF1.39 Billion | +7.09% |
| 2009-12-31 | CHF1.29 Billion | +5.06% |
| 2008-12-31 | CHF1.23 Billion | +2.80% |
| 2007-12-31 | CHF1.20 Billion | +5.48% |
| 2006-12-31 | CHF1.14 Billion | +5.34% |
| 2005-12-31 | CHF1.08 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Luzerner Kantonalbank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 499.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CHF2.86 Billion | 81.46% |
| Common Stock | CHF183.46 Million | 5.22% |
| Other Comprehensive Income | CHF487.07 Million | 13.85% |
| Total Equity | CHF3.52 Billion | 100.00% |
Luzerner Kantonalbank AG Competitors by Market Cap
The table below lists competitors of Luzerner Kantonalbank AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
CICT Mobile Communication Technology Co. Ltd. A
SHG:688387
|
$2.20 Billion |
|
Teradata Corp
NYSE:TDC
|
$2.20 Billion |
|
Katilimevim Tasaruf Finansman A.S.
IS:KTLEV
|
$2.21 Billion |
|
Ebos Group Ltd
AU:EBO
|
$2.21 Billion |
|
IOI Corporation Berhad
OTCGREY:IOIOF
|
$2.20 Billion |
|
Kojamo Oyj
OTCGREY:KOJAF
|
$2.20 Billion |
|
CarGurus Inc
F:0C6
|
$2.20 Billion |
|
TRIPLE FLAG PREC.MET.
F:3Y0
|
$2.20 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Luzerner Kantonalbank AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 4,045,258,000 to 3,516,303,000, a change of -528,955,000 (-13.1%).
- Net income of 295,497,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 65,738,000.
- Other factors decreased equity by 758,714,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CHF295.50 Million | +8.4% |
| Other Comprehensive Income | CHF-65.74 Million | -1.87% |
| Other Changes | CHF-758.71 Million | -21.58% |
| Total Change | CHF- | -13.08% |
Book Value vs Market Value Analysis
This analysis compares Luzerner Kantonalbank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.51x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.21x to 1.51x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | CHF25.45 | CHF107.20 | x |
| 2006-12-31 | CHF26.67 | CHF107.20 | x |
| 2007-12-31 | CHF28.29 | CHF107.20 | x |
| 2008-12-31 | CHF29.49 | CHF107.20 | x |
| 2009-12-31 | CHF29.95 | CHF107.20 | x |
| 2010-12-31 | CHF32.70 | CHF107.20 | x |
| 2011-12-31 | CHF35.33 | CHF107.20 | x |
| 2012-12-31 | CHF49.45 | CHF107.20 | x |
| 2013-12-31 | CHF51.53 | CHF107.20 | x |
| 2014-12-31 | CHF53.11 | CHF107.20 | x |
| 2015-12-31 | CHF57.83 | CHF107.20 | x |
| 2016-12-31 | CHF59.87 | CHF107.20 | x |
| 2017-12-31 | CHF61.97 | CHF107.20 | x |
| 2018-12-31 | CHF64.18 | CHF107.20 | x |
| 2019-12-31 | CHF66.49 | CHF107.20 | x |
| 2020-12-31 | CHF69.17 | CHF107.20 | x |
| 2021-12-31 | CHF71.43 | CHF107.20 | x |
| 2022-12-31 | CHF74.85 | CHF107.20 | x |
| 2023-12-31 | CHF64.54 | CHF107.20 | x |
| 2024-12-31 | CHF82.00 | CHF107.20 | x |
| 2025-12-31 | CHF70.92 | CHF107.20 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Luzerner Kantonalbank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.40%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.82%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 17.70x
- Recent ROE (8.40%) is below the historical average (8.90%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 11.13% | 17.30% | 0.04x | 17.50x | CHF12.16 Million |
| 2006 | 12.38% | 19.64% | 0.04x | 16.64x | CHF27.01 Million |
| 2007 | 12.50% | 18.71% | 0.04x | 16.36x | CHF30.02 Million |
| 2008 | 11.63% | 16.69% | 0.04x | 18.42x | CHF20.05 Million |
| 2009 | 10.87% | 18.99% | 0.03x | 18.54x | CHF11.31 Million |
| 2010 | 12.22% | 23.65% | 0.03x | 18.64x | CHF30.79 Million |
| 2011 | 10.86% | 22.40% | 0.03x | 18.39x | CHF12.56 Million |
| 2012 | 8.01% | 24.93% | 0.02x | 13.34x | CHF-41.91 Million |
| 2013 | 7.98% | 26.80% | 0.02x | 13.02x | CHF-44.14 Million |
| 2014 | 7.96% | 28.96% | 0.02x | 12.85x | CHF-46.69 Million |
| 2015 | 7.24% | 30.35% | 0.02x | 13.37x | CHF-68.70 Million |
| 2016 | 7.23% | 30.58% | 0.02x | 13.51x | CHF-71.36 Million |
| 2017 | 7.43% | 31.29% | 0.02x | 13.44x | CHF-68.61 Million |
| 2018 | 7.24% | 31.18% | 0.02x | 13.99x | CHF-76.56 Million |
| 2019 | 7.15% | 31.13% | 0.02x | 14.83x | CHF-81.63 Million |
| 2020 | 7.07% | 31.54% | 0.01x | 16.35x | CHF-87.29 Million |
| 2021 | 7.18% | 31.55% | 0.01x | 17.14x | CHF-86.80 Million |
| 2022 | 7.02% | 29.60% | 0.01x | 17.65x | CHF-96.27 Million |
| 2023 | 8.33% | 22.44% | 0.02x | 18.01x | CHF-53.27 Million |
| 2024 | 7.09% | 22.86% | 0.02x | 14.70x | CHF-117.88 Million |
| 2025 | 8.40% | 28.82% | 0.02x | 17.70x | CHF-56.13 Million |
Industry Comparison
This section compares Luzerner Kantonalbank AG's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,296,499,556
- Average return on equity (ROE) among peers: 5.82%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Luzerner Kantonalbank AG (LUKN) | CHF3.53 Billion | 11.13% | 16.63x | $2.20 Billion |
| Banque Cantonale de Geneve (BCGE) | $1.47 Billion | 5.54% | 14.40x | $825.51 Million |
| Banque Cantonale Du Jura SA (BCJ) | $260.59 Million | 2.72% | 14.35x | $118.37 Million |
| Banque Cantonale Vaudoise (BCVN) | $-3.76 Billion | 0.00% | 0.00x | $3.74 Billion |
| Berner Kantonalbank AG (BEKN) | $2.32 Billion | 5.65% | 11.07x | $3.61 Billion |
| Basellandschaftliche Kantonalbank (BLKB) | $878.30 Million | 11.45% | 16.93x | $721.98 Million |
| Basler Kantonalbank (BSKP) | $3.14 Billion | 7.29% | 11.47x | $595.92 Million |
| Graubuendner Kantonalbank (GRKP) | $2.66 Billion | 6.83% | 8.94x | $1.66 Billion |
| St Galler Kantonalbank AG (SGKN) | $1.86 Billion | 7.29% | 12.99x | $4.00 Billion |
| Thurgauer Kantonalbank (TKBP) | $2.83 Billion | 5.58% | 11.52x | $786.31 Million |