UmweltBank AG (UBK) Fair Value & Analysis
Financial Services · DE · Market cap €150M · ISIN DE0005570808
Strengths
Risks
Fair value as of: Aug 27, 2026
From 6 valuation models · updated 2 days ago
Share price −6.8% over the past month.
Below-average quality, trading 12% below our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from €3.29 (bear) to €5.49 (bull), base €4.39. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 28/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.
How to read this chart
60‑month range €3.33 – €21.36 · fair‑value band €3.29 – €5.49 · the €3.86 price screens below the €4.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.
Analysis
UmweltBank AG (UBK) currently trades at €3.86, while our model-based Fair Value estimate is €4.39, implying the stock looks roughly 13.9% undervalued today. The Quality Score stands at 28/100 (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 Aug 27, 2026
Our scenario range runs from €3.29 (bear case) to €5.49 (bull case); at €3.86, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 27% below its 52-week high and 19% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -7% fair-value upside, at 14%, UBK screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Economic Profit (€4.79) versus Dividend Discount (€3.14). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 23 · Market factors (momentum, volatility) 40
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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.
Full company description
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.
Company description, as reported by the company or data provider.
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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Peer Group
Banks - Regional · 1089 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | -46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | -17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €83.42 | €77.62 | -7% |
| Mizuho Financial Group MFG | $10.45 | $9.83 | -6% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | -42% |
| The PNC Financial Services Group PNC | $244.67 | $192.40 | -21% |
| CaixaBank, S.A CABK | €13.10 | €8.85 | -32% |
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Frequently asked questions
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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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