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VP Bank AG (0RG7.L)

CHF96.05 +0.96 (+1.00%)
LI LSE Financial Services Banks - Regional
Address Aeulestrasse 6
Vaduz, LI
CEO Urs Monstein
Website vpbank.com
IPO 2015-04-30
ISIN LI0315487269

Explore sections of this company profile

Also trades on London Stock Exchange · 0RG7.L (CHF) Other OTC · VUPPF (USD) Swiss Exchange · VPBN.SW (CHF)
Description

Headquartered in Vaduz, Oberland, VP Bank AG operates as a commercial banking institution with a workforce of 970 full-time employees. The bank organizes its activities into four core business divisions. The "Banking Liechtenstein & Regional Markets" segment is responsible for universal banking services in Liechtenstein and Switzerland, in addition to managing international private banking, intermediary, and fund-solution businesses from its Liechtenstein base. The "Private Banking International" segment oversees private banking operations in its various global branches. Group-wide functions including wealth management, information technology, operations, and logistics & security are consolidated within the "Wealth Management Solutions & Services" division. Lastly, the "CFO & Corporate Center" handles the bank's internal administrative and management needs. VP Bank maintains a significant international presence, conducting business in Liechtenstein, Switzerland, Luxembourg, the British Virgin Islands, Singapore, Germany, the Russian Federation, and Hong Kong.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CHF96.05 +0.96 (+1.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
155
Beta
0.27
Float Shares
3.41M
Free Float %
60.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.06% +1.53% +0.91% +0.24% +6.89% +2.92% +3.83% -3.33% -21.61% -27.85% -27.85%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
96.05
DCF (Unlevered) 157.85 +64.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.38
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -10.4% Q4'25: +30.4% (vs Q4'23)
  • EPS growth
    +153.0% Q4'25: -3.9% (vs Q4'23)
  • FCF margin
    Q4'25: +0.0% (vs Q4'23)
  • EBIT margin
    Q4'25: +10.2% (vs Q4'23)
  • ROIC
    Q4'25: +12.3% (vs Q4'23)
  • Share dilution
    +0.7% Q4'25: +1.3% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 5.26× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.26) × ERP
WACC = 42% × Ke + 58% × Kd (17.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 157.92 Current price: 96.05
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2007
actual
Dec 2008
actual
Dec 2009
actual
Dec 2010
actual
Dec 2011
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
1 EPS Ana.
Dec 2027
2 Rev. Ana.
1 EPS Ana.
Revenue
366.85M
est.
271.25M
est.
302.63M
est.
267.03M
est.
219.67M
est.
233.04M
est: 241.48M (-3.5%)
215.24M
est: 225.57M (-4.6%)
329.41M
est: 294.20M (+12.0%)
350.71M
est: 260.20M (+34.8%)
390.66M
est: 289.22M (+35.1%)
389.74M
est: 297.10M (+31.2%)
435.51M
est: 321.94M (+35.3%)
389.15M
est: 323.00M (+20.5%)
392.68M
est: 341.58M (+15.0%)
423.13M
est: 326.67M (+29.5%)
359.48M
est: 368.14M (-2.4%)
552.49M
est: 335.85M (+64.5%)
495.17M
est: 333.37M (+48.5%)
332.55M
325.71M – 339.39M
-0.2% YoY
339.74M
331.64M – 347.85M
+2.2% YoY
EBITDA
350.52M
est.
43.46M
est.
162.22M
est.
172.26M
est.
84.16M
est.
3.0K
est: 92.85M (-100.0%)
-1.22M
est: 78.75M (-101.6%)
110.42M
est: 86.50M (+27.7%)
83.45M
est: 100.74M (-17.2%)
93.18M
est: 123.98M (-24.8%)
83.65M
est: 132.21M (-36.7%)
112.33M
est: 142.47M (-21.2%)
78.31M
est: 174.78M (-55.2%)
94.14M
est: 183.31M (-48.6%)
86.16M
est: 189.03M (-54.4%)
-449.0K
est: 197.12M (-100.2%)
20.37M
est: 41.46M (-50.9%)
68.44M
est: 41.15M (+66.3%)
41.05M
40.21M – 41.89M
-0.2% YoY
41.94M
40.94M – 42.94M
+2.2% YoY
EBIT
156.45M
est.
129.62M
est.
-98.40M
est.
63.82M
est.
15.79M
est.
38.03M
est: 17.43M (+118.3%)
20.60M
est: 35.50M (-42.0%)
72.17M
est: 27.30M (+164.4%)
61.04M
est: 52.53M (+16.2%)
69.62M
est: 70.76M (-1.6%)
58.53M
est: 72.64M (-19.4%)
82.99M
est: 61.48M (+35.0%)
49.55M
est: 85.01M (-41.7%)
57.76M
est: 89.16M (-35.2%)
45.19M
est: 91.94M (-50.9%)
50.90M
est: 95.88M (-46.9%)
20.37M
est: 36.66M (-44.4%)
56.18M
est: 36.39M (+54.4%)
36.30M
35.56M – 37.05M
-0.2% YoY
37.09M
36.20M – 37.97M
+2.2% YoY
Net Income
141.17M
est.
116.68M
est.
-92.82M
est.
50.60M
est.
12.42M
est.
35.73M
est: 13.70M (+160.7%)
20.03M
est: 35.59M (-43.7%)
64.06M
est: 26.51M (+141.7%)
57.99M
est: 55.93M (+3.7%)
65.77M
est: 67.21M (-2.1%)
54.72M
est: 67.92M (-19.4%)
73.54M
est: 57.47M (+28.0%)
41.62M
est: 75.38M (-44.8%)
50.64M
est: 79.06M (-35.9%)
40.16M
est: 81.53M (-50.7%)
44.21M
est: 85.02M (-48.0%)
18.47M
est: 18.26M (+1.1%)
47.02M
est: 41.87M (+12.3%)
47.30M
45.93M – 48.66M
+13.0% YoY
51.85M
50.35M – 53.35M
+9.6% YoY
SGA
244.19M
est.
200.16M
est.
62.72M
est.
252.30M
est.
45.53M
est.
194.85M
est: 50.05M (+289.3%)
193.31M
est: 198.59M (-2.7%)
225.91M
est: 285.58M (-20.9%)
208.60M
est: 225.68M (-7.6%)
225.42M
est: 251.95M (-10.5%)
244.75M
est: 240.01M (+2.0%)
250.23M
est: 252.49M (-0.9%)
247.64M
est: 255.56M (-3.1%)
271.58M
est: 268.03M (+1.3%)
289.49M
est: 276.40M (+4.7%)
305.40M
est: 288.23M (+6.0%)
est: 173.30M (-100.0%)
175.63M
est: 172.02M (+2.1%)
171.59M
168.07M – 175.12M
-0.2% YoY
175.31M
171.13M – 179.49M
+2.2% YoY
EPS
26.49
est.
4.40
est.
11.51
est.
5.82
est.
0.67
est.
6.17
est: 7.01 (-12.0%)
3.45
est: 3.86 (-10.6%)
10.17
est: 6.80 (+49.6%)
9.61
est: 7.67 (+25.3%)
10.89
est: 10.37 (+5.0%)
9.04
est: 9.95 (-9.2%)
12.28
est: 10.52 (+16.7%)
6.90
est: 6.92 (-0.2%)
8.33
est: 11.38 (-26.8%)
6.57
est: 7.12 (-7.7%)
7.19
est: 7.62 (-5.6%)
2.98
est: 2.93 (+1.7%)
7.55
est: 6.72 (+12.4%)
7.59
7.37 – 7.81
+13.0% YoY
8.32
8.08 – 8.56
+9.6% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-28 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-27 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-26 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-22 B+ 3/5 5/5 2/5 3/5 2/5 2/5 4/5
2026-05-21 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-20 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-19 B+ 3/5 5/5 2/5 3/5 2/5 2/5 4/5
2026-05-18 B+ 3/5 5/5 2/5 3/5 2/5 2/5 4/5
2026-05-15 B+ 3/5 5/5 2/5 3/5 2/5 2/5 4/5
2026-05-13 B 3/5 4/5 2/5 2/5 2/5 2/5 4/5
2026-05-12 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-11 B 3/5 5/5 2/5 2/5 2/5 2/5 4/5
2026-05-08 B+ 3/5 5/5 2/5 3/5 2/5 3/5 4/5
2026-05-07 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-05-06 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-05-05 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-04-30 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-04-29 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-04-28 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-04-27 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-04-24 B+ 3/5 4/5 2/5 3/5 2/5 3/5 4/5
2026-04-23 A- 4/5 5/5 2/5 4/5 2/5 3/5 4/5
2026-04-22 A- 4/5 5/5 2/5 4/5 2/5 3/5 4/5
2026-04-21 A- 4/5 5/5 2/5 4/5 2/5 3/5 4/5
2026-04-20 A- 4/5 5/5 2/5 4/5 2/5 3/5 4/5
2026-04-17 A- 4/5 5/5 2/5 4/5 2/5 3/5 4/5
2026-04-16 A- 4/5 5/5 2/5 4/5 2/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.07B
OE per share TTM
171.01
Owner's Yield
196.64%
Maintenance CapEx ratio
6,440.40%
Maint CapEx / Avg PPE
19.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
59.4K
Shares Outstanding
5.68M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Urs Monstein Chief Executive Officer, Chief Operating Officer, Interim Head of International Locations & Member of Executive Boar 1M
Daniela Jenni Head of Corporate Communications
Felix Brill Head of International Locations, Chief Investment Officer & Member of Executive Board
Markus Reinacher Head of Group Compliance & Operational Risk
Michele Schnyder Head of Investor Relations female
Adrian Schneider Head of Liechtenstein Region & BVI and Member of Executive Board male
Philippe Wust Member of Executive Board
Roland Kläy Chief Financial Officer & Member of Executive Board male
Rolf Steiner Head of Market Strategy & Client Development and Member of the Executive Board
Stefan Zünd Head of Group Legal Services
Patrick Bont Deputy CEO, Chief Risk Officer & Member of Executive Board male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits