UmweltBank AG (UBK) AI Stock Analysis

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UmweltBank AG

(XETRA:UBK)

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Rating:50Neutral

Price Target:EUR 3.50▼(-4.63% Downside)

Action:reiterated

Date:10/30/26

Score of 50 driven primarily by moderate financial performance from revenue and balance sheet growth tempered by volatility and cash flow pressures, with neutral technicals and weak valuation from negative earnings.

Positive Factors

Sustainable banking nicheA defined focus on environmentally and socially sustainable financing gives UmweltBank a clear market identity and supports specialized customer relationships. Continued demand for renewable energy and efficiency investment can provide a durable basis for lending growth across private and institutional segments.

Negative Factors

High leveragePersistently high leverage limits financial flexibility and makes results more sensitive to earnings fluctuations. It can constrain the bank’s ability to absorb setbacks, expand lending without additional funding, or strengthen capital internally, leaving balance-sheet resilience dependent on sustained operating improvement.

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

Moderate performance with revenue growth and balance sheet expansion as strengths, offset by earnings volatility, high leverage, and negative cash flows.

Income Statement

55Neutral

Balance Sheet

65Positive

Cash Flow

40Negative

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price3.67

Price Trends

50DMA3.63Positive

100DMA3.69Negative

200DMA3.75Negative

Market Momentum

MACD0.02Negative

RSI55.24Neutral

STOCH76.77Neutral

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

UnderperformOutperform

Sector (68)

Financial Indicators

DE:UBK against its peers
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	50Neutral	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

DE:UBK and its peers over the selected period
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%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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

UmweltBank AG AI Stock Analysis