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UmweltBank AG (UBK) AI Stock Analysis
UmweltBank AG
(XETRA:UBK)
The score is primarily constrained by weak financial performance, especially sustained negative cash flow, high leverage, declining returns, and deteriorating operating profitability. Mixed technical signals and a negative P/E ratio provide limited support, while the dividend yield offers only a modest offset.
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
Financial performance is weak overall: the income statement shows volatile earnings and deteriorating margins, the balance sheet has high leverage and declining returns on equity, and recent operating and free cash flows are deeply negative despite reported profits.
Income Statement
38NegativeBalance Sheet
32NegativeCash Flow
20Very Negative| 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:UBK41Neutral
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 | 41Neutral | 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