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UmweltBank AG
(XETRA:UBK)
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Rating:48Neutral
Price Target:
€3.50
▼(-2.78% Downside)
Action:Reiterated
Date:07/09/26
The score is held back primarily by weak financial quality—especially sustained negative operating/free cash flow in recent years and persistently high leverage—despite a strong 2025 revenue rebound and improved net profitability. Technicals are mixed (below key longer-term moving averages with only neutral momentum), while valuation is reasonable but not compelling enough to outweigh the fundamental balance-sheet and cash-flow risks.
Positive Factors
Niche sustainability-focused business model
Specialist focus on financing environmentally sustainable projects creates a durable, differentiated lending franchise tied to long-term structural trends (energy transition, green investment). Niche positioning supports customer loyalty and repeat origination opportunities that persist over multiple years.
Negative Factors
Persistently high leverage
Very high debt-to-equity ratios materially constrain financial flexibility and raise sensitivity to earnings or funding shocks. Elevated leverage increases refinancing and liquidity risk, amplifying the impact of cyclical stress and limiting strategic optionality over the next several months to years.
Read all positive and negative factors
Positive Factors
Negative Factors
Niche sustainability-focused business model
Specialist focus on financing environmentally sustainable projects creates a durable, differentiated lending franchise tied to long-term structural trends (energy transition, green investment). Niche positioning supports customer loyalty and repeat origination opportunities that persist over multiple years.
Read all positive factors
UmweltBank AG (UBK) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€153.17M
Dividend YieldN/A
Average Volume (3M)17.86K
Price to Earnings (P/E)―
Beta (1Y)0.15
Revenue GrowthN/A
EPS GrowthN/A
CountryDE
Employees432
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding41,396,717
10 Day Avg. Volume21,312
30 Day Avg. Volume17,863
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.51
Price to Sales (P/S)0.98
P/FCF Ratio-0.38
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
UmweltBank AG Business Overview & Revenue Model
Company Description
Operating as a financial institution in Germany, UmweltBank AG delivers a diverse array of banking and financial services. Its offerings include various deposit solutions, structured savings plans, environmentally-focused bonds, and specialized ec...
How the Company Makes Money
UmweltBank AG primarily makes money through traditional banking income tied to its sustainability-focused lending business. Key revenue streams typically include: (1) Net interest income: earning interest on loans and project financing (e.g., fina...
UmweltBank AG Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
41
Neutral
Cash Flow
22
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 149.52M | 111.81M | 107.28M | 106.53M | 81.42M |
| Gross Profit | 73.43M | 31.09M | 47.39M | 90.92M | 73.76M |
| EBITDA | -533.73K | -7.75M | -4.94M | 28.92M | 33.01M |
| Net Income | 14.26M | 734.38K | 729.00K | 19.55M | 19.38M |
Balance Sheet | |||||
| Total Assets | 6.81B | 6.19B | 5.69B | 5.98B | 5.93B |
| Cash, Cash Equivalents and Short-Term Investments | 39.13M | 46.52M | 116.38M | 332.81M | 814.23M |
| Total Debt | 1.83B | 1.90B | 2.36B | 2.38B | 2.53B |
| Total Liabilities | 6.52B | 5.94B | 5.44B | 5.72B | 5.68B |
| Stockholders Equity | 284.87M | 249.93M | 249.15M | 256.50M | 245.12M |
Cash Flow | |||||
| Free Cash Flow | -384.13M | -2.31B | -199.98M | 1.42M | 1.86M |
| Operating Cash Flow | -311.66M | -2.27B | -155.45M | 1.42M | 1.86M |
| Investing Cash Flow | -421.56M | 1.24B | 273.88M | 0.00 | 0.00 |
| Financing Cash Flow | 733.52M | 957.94M | 0.00 | 0.00 | 0.00 |
UmweltBank AG Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | €42.88B | 17.85 | 8.41% | 1.82% | -4.17% | -0.03% | |
53 Neutral | €487.68M | 6.09 | 7.52% | 7.13% | 3.97% | -16.74% | |
48 Neutral | €153.17M | -85.25 | 1.61% | ― | ― | ― | |
42 Neutral | €484.11M | -1.57 | -10.36% | 3.61% | -25.75% | -496.17% |
* Financial Sector Average
DE:UBK
UmweltBank AG
3.76
-1.11
-22.79%
DE:CBK
Commerzbank
36.85
9.49
34.66%
DE:PBB
Deutsche Pfandbriefbank
3.62
-1.82
-33.53%
DE:PCZ
ProCredit Holding AG
8.25
-0.38
-4.46%
DE:QB7
Quirin Privatbank AG
3.34
-0.13
-3.61%
DE:MBK
MERKUR PRIVATBANK KGaA
11.20
-6.10
-35.26%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.