Focused Sustainable Lending FranchiseA dedicated focus on renewable energy and energy-efficient building loans creates a durable niche and differentiated origination pipeline. Structural demand and policy support for green finance improve long-term loan growth potential and client stickiness versus generalist regional banks.

Stable Reported Equity BufferA roughly stable equity base provides a persistent capital cushion versus cyclical losses, supporting solvency and regulatory compliance. That stability helps preserve depositor and counterparty confidence and creates optionality to raise capital or absorb shocks over the medium term.

Material Revenue Rebound In 2024A strong revenue recovery signals renewed demand for the bank’s core sustainable lending products and the ability to scale interest income. If sustained, higher top-line capacity underpins medium-term recovery in net interest margin and reinvestment into origination capacity.

Bears Say

Severe Negative Operating And Free Cash FlowMassive cash outflows in 2024 materially increase funding and liquidity risk, forcing reliance on external financing or asset sales. Persistent negative cash generation undermines organic capital formation and constrains sustainable lending growth without restructuring or new capital.

Very High LeverageElevated debt-to-equity meaningfully magnifies credit and market shocks and limits balance-sheet flexibility. High leverage raises regulatory and refinancing risk, making the bank more sensitive to funding stress and reducing capacity to absorb loan losses over the medium term.

Operating Profitability Weak; Returns CompressedNegative operating profits and near-zero ROE indicate structural margin or cost problems and weak underwriting economics. Without sustained improvement in core operating income or cost base, the bank will struggle to generate internal capital and maintain long-term competitiveness.

UBK FAQ

What was UmweltBank AG’s price range in the past 12 months?

UmweltBank AG lowest stock price was €3.25 and its highest was €5.26 in the past 12 months.

What is UmweltBank AG’s market cap?

UmweltBank AG’s market cap is €161.03M.

When is UmweltBank AG’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were UmweltBank AG’s earnings last quarter?

Currently, no data Available

Is UmweltBank AG overvalued?

According to Wall Street analysts UmweltBank AG’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does UmweltBank AG pay dividends?

UmweltBank AG pays a Annually dividend of €0.33 which represents an annual dividend yield of N/A. See more information on UmweltBank AG dividends here

What is UmweltBank AG’s EPS estimate?

UmweltBank AG’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does UmweltBank AG have?

UmweltBank AG has 41,396,717 shares outstanding.

What happened to UmweltBank AG’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of UmweltBank AG?

Currently, no hedge funds are holding shares in DE:UBK

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

UmweltBank AG Stock Smart Score

Underperform

Insider Transactions

Bought Shares

Worth €59.3K over
the Last 3 Months

Technicals

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Company Description

UmweltBank AG

UmweltBank AG provides various banking products and services in Germany. The company offers various deposit products, savings plans and green bonds, and environmental fund accounts; and personal loans and construction financing products. It also provides guaranteed bonus, income plans, investment products, and insurance and retirement products, as well as online and phone banking services. In addition, the company offers finance for residential, photovoltaic, wind and hydropower, and biomass projects. UmweltBank AG was founded in 1997 and is based in Nuremberg, Germany.