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Companies Financials UBKG.DE
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UBKG.DE XETRA Banks

Umweltbank AG

€3,86
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About

Umweltbank AG is a financial institution that provides banking and investment services, primarily generating revenue through interest income, fees, and commissions from its lending, deposit-taking, and investment activities.

Business. Umweltbank AG (UBKG.DE) is a German banking institution headquartered in Germany that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the Xetra exchange under the ticker symbol UBKG.DE. Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
BUY3 analysts
3 buy0 hold0 sell
Avg 12m price target7,60

Analyst recommendations

3 analysts · consensus Buy
Buy3
Hold0
Sell0
12-month price target
7,60
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
Buy
3 analysts · indicative
Ownership
not yet wired
Profitability
not yet wired
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning UBKG.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to UBKG.DE. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Umweltbank AG (UBKG.DE) is a German banking institution headquartered in Germany that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the Xetra exchange under the ticker symbol UBKG.DE. Specific details regarding operating segments or geographic revenue breakdowns are not available.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    Umweltbank AG has a fully diluted share count of 41,282,700 shares, with no difference between basic and diluted shares outstanding, indicating no dilution from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

    Profitability and return metrics are not available for Umweltbank AG, as no valuation snapshot data is provided. Without access to key metrics such as ROIC, net interest margin, or return on equity, it is not possible to compare the company’s performance to industry benchmarks or cohort medians.

    The company’s revenue concentration and geographic exposure are not disclosed in the available data. No segment or geographic breakdown is provided, making it difficult to assess the diversification of its revenue streams or exposure to regional economic conditions.

    Growth trajectory is also unclear, as no outlook data is available for the current or next fiscal year. Without revenue history or forward-looking guidance, it is not possible to determine whether the company is expanding, contracting, or maintaining its current level of operations.

    Risk factors include the inability to assess liquidity risk, which could impact the company’s ability to meet short-term obligations. Additionally, the absence of detailed financial data limits the ability to evaluate credit risk or operational stability.

    Recent events, such as filings or transcripts, are not provided in the available data, so no specific developments can be reported at this time.

    Key takeaways
    • Umweltbank AG has no dilution from stock options or convertible securities, as basic and diluted shares are equal.
    • Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
    • Profitability and return metrics are not available, preventing a comparison to industry benchmarks.
    • Revenue concentration and geographic exposure are not disclosed, limiting visibility into diversification.
    • Growth trajectory and forward-looking guidance are not available, making it difficult to assess future performance.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    €3,86
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    Net cash
    Current ratio
    Debt / equity
    ROA
    ROE
    Cash conversion
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    0,36
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    3
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-05-25 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate0,36
    Revenueno estimateno estimate84,4M
    Operating incomeno estimateno estimate6,3M
    Full-year consensus mean (period as reported by source). Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution3 analysts
    Strong buy3
    Buy0
    Hold0
    Sell0
    Strong sell0
    12-month price target€7,60 · Median €7,00
    Low €6,80High €9,00
    Operating income · consensus6,3M
    EPS surprise
    −94,7 %
    reported vs consensus · miss
    Revenue surprise
    −36,6 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low€6,80
    Mean€7,60
    Median€7,00
    High€9,00
    Spot€3,86
    +96.9 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskUnknown

    Benchmarks vs cohort

    No cohort benchmark data available for this issuer yet.

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    Source documents
    • Umweltbank AG Market data — financials · 2026-05-29
    • Umweltbank AG Market data — analyst estimates · 2026-05-29

    Ownership & reference

    Leadership

    • Goran BasicMember of the Management Board
    • Heike SchmitzMember of the Management Board
    • Michael KemmerChairman of the Supervisory Board

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    UBKG.DECanonical
    XETRA · EUR

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown
    Relationship graph
    UBKGJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage