Luzerner Kantonalbank (VTX:LUKN) shareholders have faced an 11% loss over the past three years, with the share price down 20%, underperforming the market's decline of 6.2%. Despite this, the company grew its earnings per share by 3.7% annually and revenue by 4.1%, suggesting potential underlying value. The total shareholder return, including dividends, was -11%, indicating that while share prices fell, dividend payments provided some compensation.