Want to see DE:UBK full AI Analyst Report?
UmweltBank AG (UBK) AI Stock Analysis
UmweltBank AG
(XETRA:UBK)
Overall score is held back primarily by weak financial quality: high leverage and sustained negative operating/free cash flow in recent years outweigh the 2025 revenue rebound and improved net margin. Technical signals are neutral with only modest near-term strength and a slightly negative MACD. Valuation is mixed, supported by a moderate dividend yield but constrained by a negative P/E.
UmweltBank AG (UBK) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 151.93M
- Dividend Yield
- 2.72%
- Average Volume (3M)
- 4,203
- Price to Earnings (P/E)
- -264.0
- Beta (1Y)
- 0.15
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- Germany
- Employees
- 435
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 ecolo...
UmweltBank AG Financial Statement Overview
Summary
Income statement is mixed (2025 revenue rebound and improved net margin), but operating profitability has been inconsistent with negative operating margins in 2023–2025. Balance sheet risk is elevated due to persistently high leverage (debt-to-equity roughly ~6.4x to ~11.9x). Cash flow is the main weakness with negative operating and free cash flow in 2023–2025, including a very large 2024 outflow.
Income Statement
58NeutralBalance Sheet
41NeutralCash Flow
22Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 74.40M | 149.52M | 124.76M | 112.87M | 106.53M | 81.42M |
| Gross Profit | 74.40M | 73.43M | 40.42M | 54.55M | 90.92M | 73.76M |
| EBITDA | 0 | 8.51M | -7.75M | -4.94M | 28.92M | 33.01M |
| Net Income | 1.97M | 14.26M | 734.38K | 729.00K | 19.55M | 19.38M |
Balance Sheet | ||||||
| Total Assets | 0 | 6.81B | 6.19B | 5.69B | 5.98B | 5.93B |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 39.13M | 46.52M | 116.38M | 332.81M | 814.23M |
| Total Debt | 0 | 1.83B | 1.90B | 2.36B | 2.38B | 2.57B |
| Total Liabilities | -437.44M | 6.52B | 5.94B | 5.44B | 5.72B | 5.68B |
| Stockholders Equity | 437.44M | 284.87M | 249.93M | 249.15M | 256.50M | 245.12M |
Cash Flow | ||||||
| Free Cash Flow | 0 | -384.13M | -2.31B | -199.98M | 1.42M | 1.86M |
| Operating Cash Flow | 0 | -311.66M | -2.27B | -155.45M | 1.42M | 1.86M |
| Investing Cash Flow | 0 | -421.56M | 1.24B | 273.88M | 0 | 0 |
| Financing Cash Flow | 0 | 733.52M | 957.94M | -334.94M | 0 | 0 |
UmweltBank AG Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:UBK, the sentiment is Positive. The current price of 3.67 is above the 20-day moving average (MA) of 3.56, above the 50-day MA of 3.63, and below the 200-day MA of 3.75, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 55.24 is Neutral, neither overbought nor oversold. The STOCH value of 76.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:UBK.
UmweltBank AG Peers Comparison
Overall Rating
DE:PCZ60Neutral
DE:CBK56Neutral- DE:UBK46Neutral
DE:PBB31Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| DE:PCZ | 60Neutral | EUR 514.18M | 6.79 | 6.97% | 5.41% | 5.93% | -20.09% |
| DE:CBK | 56Neutral | EUR 43.07B | 13.78 | 9.51% | 2.84% | 0.50% | 32.22% |
| DE:UBK | 46Neutral | EUR 152.75M | -264.03 | -0.13% | 2.72% | ― | ― |
| DE:PBB | 31Underperform | EUR 402.62M | -7.83 | -0.96% | 5.01% | -20.56% | 76.04% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:UBK | UmweltBank AG | 3.67 | 0.09 | 2.40% | |
| DE:CBK | Commerzbank AG (UK) | 38.73 | 7.85 | 25.43% | |
| DE:PBB | Deutsche Pfandbriefbank | 3.02 | -0.90 | -22.98% | |
| DE:PCZ | ProCredit Holding | 8.69 | 1.50 | 20.93% | |
| DE:QB7 | Quirin Privatbank AG | 3.06 | -0.31 | -9.17% | |
| DE:MBK | MERKUR PRIVATBANK KGaA | 10.40 | -8.90 | -46.11% |
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.
Date of analysis: Oct 30, 2026