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UmweltBank AG (DE:UBK)
XETRA:UBK
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UmweltBank AG
(XETRA:UBK)
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Rating:44Neutral
Price Target:
€3.50
▼(-2.78% Downside)
The score is primarily held down by weak financial performance—especially the severe deterioration in operating and free cash flow in 2024, alongside high leverage and near-zero ROE. Technicals are only mildly supportive (neutral momentum but price below longer-term averages), while valuation cannot be meaningfully assessed due to missing P/E and dividend yield.
UmweltBank AG (UBK) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€155.64M
Dividend YieldN/A
Average Volume (3M)17.86K
Price to Earnings (P/E)―
Beta (1Y)0.25
Revenue GrowthN/A
EPS GrowthN/A
CountryDE
Employees232
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding41,282,700
10 Day Avg. Volume21,312
30 Day Avg. Volume17,863
Financial Highlights & Ratios
PEG Ratio308.46
Price to Book (P/B)0.90
Price to Sales (P/S)2.01
P/FCF Ratio-0.10
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 DescriptionUmweltBank 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.
How the Company Makes Money
UmweltBank AG Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 21.18M | 111.81M | 107.28M | 106.53M | 81.42M | 83.11M |
| Gross Profit | 21.18M | 31.09M | 47.39M | 90.92M | 73.76M | 66.14M |
| EBITDA | 0.00 | -7.75M | -4.94M | 28.92M | 33.01M | 28.02M |
| Net Income | 3.35M | 734.38K | 729.00K | 19.55M | 19.38M | 18.50M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 6.19B | 5.69B | 5.98B | 5.93B | 4.94B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 46.52M | 116.38M | 332.81M | 814.23M | 98.66M |
| Total Debt | 0.00 | 1.90B | 2.36B | 2.38B | 2.53B | 1.94B |
| Total Liabilities | -417.13M | 5.94B | 5.44B | 5.72B | 5.68B | 4.78B |
| Stockholders Equity | 417.13M | 249.93M | 249.15M | 256.50M | 245.12M | 162.89M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -2.31B | -199.98M | 1.42M | 1.86M | 679.09M |
| Operating Cash Flow | 0.00 | -2.27B | -155.45M | 1.42M | 1.86M | 679.54M |
| Investing Cash Flow | 0.00 | 1.24B | 273.88M | 0.00 | 0.00 | -629.80M |
| Financing Cash Flow | 0.00 | 957.94M | 0.00 | 0.00 | 0.00 | 8.40M |
UmweltBank AG Peers Comparison
UnderperformOutperform
Sector (68)
DE:UBK
UmweltBank AG
3.77
-1.94
-33.98%
DE:PCZ
ProCredit Holding AG
8.72
0.81
10.24%
DE:QB7
Quirin Privatbank AG
3.38
0.04
1.20%
DE:VG80
Varengold Bank AG
2.75
-0.05
-1.79%
DE:MBK
MERKUR PRIVATBANK KGaA
18.90
4.57
31.89%
DE:VVV3
OEKOWORLD AG Pref.
26.60
-0.23
-0.86%
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.