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UmweltBank AG

UmweltBank AG

UBK · XETRA · Financial Services / Banks - Regional

3.69EUR+0.10 (+2.79%)

Price History

Full chart

Market Stats

Previous Close3.59
Open3.62
Day Range3.60 – 3.69
52-Week Range3.21 – 4.11
Volume2.29K
Market Cap149.00M
P/E (TTM)10.56
Forward P/E10.22
EPS0.34
Dividend Yield1.43%
Beta0.74
50-Day Avg3.78
200-Day Avg3.81

About

UmweltBank AG provides various banking products and services in Germany. It offers checking, saving, and call and term deposit accounts. The company also has securities offerings, including bonds, project and corporate bonds from other issuers, as well as wind power, online bank services, credit cards, investment funds and ETFs, all selected according to ecological criteria. In addition, it offers corporate banking services focused on financing renewable energy projects, such as photovoltaic systems, wind turbines, battery energy storage systems, and real estate projects, including rental apartments, commercial properties, investment projects, nursing homes, schools, kindergartens, daycare centers, and student housing. UmweltBank AG was incorporated in 1994 and is headquartered in Nuremberg, Germany.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Dietmar von Blücher
  • Employees370
  • HeadquartersLaufertorgraben 6, Nuremberg, Germany, 90489, Germany
  • Websitehttps://www.umweltbank.de

Leadership

  • Mr. Goran Ba?icMember of the Management Board · b. 1969
  • Mr. Dietmar von BlücherCEO & Chairman of the Management Board · b. 1973
  • Dr. Nicole HandschuherMember of the Management Board · b. 1974
  • Oliver PatzschManager of Investor Relations

Financials

Income Statement

Currency: EUR1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue6.35M7.04M8.67M10.63M11.67M26.91M15.66M38.43M51.34M55.02M63.81M73.86M79.38M86.43M89.37M88.50M88.48M88.22M77.77M73.90M81.19M83.11M81.42M106.53M112.87M124.76M149.52M
Growth (%)-+10.87%+23.15%+22.61%+9.78%+130.62%-41.80%+145.37%+33.59%+7.17%+15.97%+15.76%+7.47%+8.88%+3.40%-0.97%-0.02%-0.30%-11.85%-4.97%+9.87%+2.36%-2.04%+30.84%+5.96%+10.53%+19.84%
Cost of Revenue3.32M5.39M8.30M10.62M11.66M13.33M23.60M18.84M26.60M35.01M35.50M35.16M39.46M42.98M37.32M31.76M26.78M24.45M20.03M18.45M19.98M16.97M7.66M15.61M59.89M80.71M76.09M
Gross Profit3.03M1.65M370.00K10.00K10.00K640.00K3.11M19.59M24.74M20.01M28.31M38.71M39.92M43.45M52.05M56.74M61.71M63.77M57.73M55.45M61.21M66.14M73.76M90.92M54.55M40.42M73.43M
Gross Margin47.72%23.44%4.27%0.09%0.09%2.38%19.84%50.97%48.19%36.37%44.37%52.40%50.29%50.27%58.24%64.11%69.74%72.28%74.24%75.03%75.39%79.58%90.60%85.35%48.33%32.40%49.11%
Operating Expense1.68M-180.00K1.81M-1.42M-3.07M-4.49M-4.32M10.94M12.14M10.14M14.56M20.32M20.51M23.12M26.52M25.64M32.03M33.76M28.46M26.54M32.36M36.29M41.68M62.70M58.74M69.67M56.34M
Operating Income1.35M1.83M-1.44M1.43M3.08M5.13M7.42M8.64M12.60M9.87M13.74M18.39M19.42M20.33M25.53M31.11M29.68M30.01M29.27M28.91M28.86M29.85M32.09M28.21M-4.19M-29.25M17.09M
Operating Margin21.26%25.99%-16.61%13.45%26.39%19.07%47.39%22.49%24.55%17.94%21.54%24.90%24.46%23.53%28.56%35.15%33.54%34.01%37.64%39.12%35.54%35.91%39.41%26.48%-3.71%-23.45%11.43%
EBITDA4.02M6.34M6.85M11.36M13.26M5.13M7.54M8.80M12.85M10.12M16.18M20.69M21.54M25.41M26.75M30.40M30.07M31.66M30.16M30.85M31.82M28.02M33.01M28.92M-4.94M-7.75M-533.73K
EBITDA Margin63.31%90.06%79.01%106.87%113.62%19.07%48.17%22.89%25.02%18.39%25.35%28.01%27.14%29.40%29.94%34.35%33.98%35.88%38.78%41.75%39.19%33.72%40.55%27.15%-4.37%-6.22%-0.36%
Net Income490.00K700.00K-1.46M740.00K1.60M4.24M5.92M5.84M6.63M6.59M8.04M10.00M11.01M12.04M13.45M14.54M15.59M16.15M16.66M16.94M17.17M18.50M19.38M19.55M729.00K734.38K14.26M
Net Income Margin7.72%9.94%-16.84%6.96%13.71%15.77%37.78%15.20%12.92%11.98%12.60%13.54%13.87%13.93%15.05%16.43%17.62%18.31%21.43%22.92%21.15%22.26%23.80%18.35%0.65%0.59%9.54%
Interest Expense00000015.36M18.84M26.60M35.01M35.50M35.16M39.46M42.98M37.32M31.76M26.78M24.45M20.03M18.45M19.98M16.97M7.66M15.61M59.89M80.71M70.06M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%98.08%49.03%51.81%63.63%55.63%47.60%49.71%49.73%41.76%35.89%30.26%27.72%25.76%24.97%24.61%20.42%9.40%14.65%53.06%64.69%46.86%

Balance Sheet

Currency: EUR1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets168.90M212.50M320.30M404.50M486.20M580.69M684.70M810.33M1.03B1.16B1.50B1.76B1.99B2.33B2.51B2.60B2.76B3.21B3.49B3.70B4.10B4.94B5.93B5.98B5.69B6.19B6.81B
Total Liabilities149.00M192.30M296.70M380.10M460.20M551.11M651.63M773.80M986.21M1.11B1.45B1.71B1.93B2.27B2.44B2.51B2.67B3.11B3.38B3.58B3.94B4.78B5.68B5.72B5.44B5.94B6.52B
Total Equity20.00M20.20M23.60M24.40M26.00M27.28M28.21M36.53M39.12M42.95M48.22M54.30M59.88M66.39M73.74M81.64M90.03M98.43M108.01M119.19M150.56M162.89M245.12M256.50M249.15M249.93M284.87M
Cash------6.53M12.13M15.57M21.82M24.79M22.95M25.07M158.03M164.65M36.91M33.17M54.59M32.46M31.56M40.52M98.66M814.23M332.81M116.38M46.52M39.13M
Total Debt38.60M51.40M79.40M105.90M134.60M170.50M191.99M251.62M345.55M387.55M433.16M503.48M502.39M605.60M660.87M635.51M634.05M944.62M1.04B1.12B1.28B1.94B2.57B2.38B2.36B1.90B1.83B
Net Debt38.60M51.40M79.40M105.90M134.60M170.50M185.46M239.48M329.98M365.73M408.37M480.53M477.31M447.57M496.21M598.60M600.88M890.03M1.00B1.09B1.24B1.84B1.71B2.05B2.24B1.85B1.79B

Cash Flow

Currency: EUR2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-32.10M99.29B48.36M44.43M-54.72M-42.12M-121.31M-1.23M421.57M225.35M148.03M212.29M679.54M1.86M1.42M-155.45M-2.27B-311.66M
Investing Cash Flow--99.12B-57.29M-47.96M-23.29M54.83M215.00K4.69M-413.18M-245.57M-172.33M-222.79M-629.80M--273.88M1.24B-421.56M
Financing Cash Flow2.80M2.80B7.09M5.65M210.97M-6.09M-6.65M-7.20M13.03M-1.91M23.40M19.46M8.40M---334.94M957.94M733.52M
Capital Expenditure100.00K269.00M408.00K150.00K117.00K121.00K86.00K313.00K715.00K379.00K319.00K371.00K451.00K0044.53M40.33M72.47M
Free Cash Flow-32.20M99.02B47.95M44.28M161.67M-42.24M-121.40M-1.54M420.85M224.97M147.71M211.92M679.09M1.86M1.42M-199.98M-2.31B-384.13M
Dividends Paid2.80M2.77B3.99M5.43M5.54M6.09M6.65M7.20M7.75M9.41M8.92M9.32M10.10M--11.77M--
FCF to OCF100.31%99.73%99.16%99.66%-295.47%100.29%100.07%125.43%99.83%99.83%99.78%99.83%99.93%100.00%100.00%128.64%101.78%123.25%
Dividend Paid to FCF-8.70%2.80%8.32%12.26%3.43%-14.42%-5.47%-466.32%1.84%4.19%6.04%4.40%1.49%---5.88%--

Key Statistics & Ratios

Market Cap149.00M
Enterprise Value2.29B
Trailing P/E10.56
Forward P/E10.22
PEG Ratio0.00
Price / Sales1.75
Price / Book0.59
EPS0.34
Book Value10.36
Revenue (TTM)85.26M
Gross Profit (TTM)85.18M
Profit Margin7.48%
Operating Margin6.52%
Return on Equity2.87%
Return on Assets0.18%
Shares Outstanding41.40M
Shares Float35.19M
Beta0.74
Dividend Yield1.43%
Dividend Rate0.05
Payout Ratio0.00%

Dividends

20261×
0.05Jul 31, 2026
20231×
0.22Jun 30, 2023
20221×
0.22Jun 24, 2022
20211×
0.31Jun 25, 2021
20201×
0.21Nov 6, 2020
20191×
0.21Jun 28, 2019
20181×
0.21Jun 29, 2018
20171×
0.22Jun 30, 2017
20161×
0.25Jul 1, 2016
20151×
0.24Aug 7, 2015
20141×
0.22Jun 30, 2014
20131×
0.20Jun 24, 2013
20121×
0.18Jul 2, 2012
20111×
0.18Jul 1, 2011
20101×
0.13Jun 28, 2010
20091×
0.09Jun 29, 2009
20081×
0.09Jun 30, 2008
20071×
0.13Jun 28, 2007
20061×
0.09Jun 29, 2006
20051×
0.06Jun 27, 2005
20041×
0.03Jun 28, 2004
20011×
0.03Jul 2, 2001

Stock Splits

  • Sep 1, 2025856:817
  • Oct 13, 2021292:283
  • Jul 3, 20191044:1027
  • Sep 18, 20175:1