UmweltBank AG (UBK) Fair Value & Analysis
Financial Services · DE · Market cap €150M
Fair value as of: Jul 15, 2026
From 16 valuation models · updated today
Share price −3.7% over the past month.
Price vs Fair Value (12 months)
12‑month range €3.33 – €5.10 · fair‑value band €2.86 – €4.76 · the €3.65 price screens below the €3.81 fair value. As of Jul 15, 2026.
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UmweltBank AG (UBK) currently trades at €3.65, while our model-based Fair Value estimate is €3.81 — implying the stock looks roughly 4.3% fairly valued today. We read business quality at 30/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, UmweltBank AG generated revenue of €78.3M at a net margin of 18.2%. Revenue grew 27.1% year over year. It earns a return on equity of 7.8%. Net debt stands at €1.8B. Fundamentals as of Jul 15, 2026
Our scenario range runs from €2.86 (bear case) to €4.76 (bull case); at €3.65, the current price sits within that range. The share trades about 31% below its 52-week high and 12% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 20% fair-value upside — at 4%, UBK screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 15, 2026. TTM = trailing twelve months.
About the company
UmweltBank AG provides various banking products and services in Germany. It offers checking, saving, and call and term deposit accounts. The company also provides finance for environmental projects, energy and infrastructure projects, photovoltaic, and wind power, as well as ETF and online bank services, and credit cards. In addition, it is involved in securities business; and real estate that includes real estate, rental accommodation projects, commercial real estate, investor projects, nursing care properties, educational facilities, and student resident projects. UmweltBank AG was incorporated in 1994 and is headquartered in Nuremberg, Germany.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
UmweltBank AG reported revenue of €150M in FY2025 versus €81.4M in FY2021, a compound +16.4%/yr. Reported net income was €14.3M in FY2025, compounding −7.4%/yr from FY2021.
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Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹747.05 | ₹894.11 | +20% |
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| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,500 KRW | 122,401 KRW | +14% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
| Hana Financial Group 086790 | 123,600 KRW | 112,429 KRW | -9% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 182.00 CLP | 64.07 CLP | -65% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.