1. Germany Stocks

  2. •

    Finance

  3. •

    Regional banks
UmweltBank AG

UmweltBank AG

3.49
EUR
0.00
(0.00%)
0.34EPS
10.36P/E
147.78MMarket Cap
Mar 03Next Earn
UmweltBank AG
MUN:UBK
(Munich Stock Exchange)

Recent

price

3.49

P/E

ratio

10.36

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
EUR
1.33
2.23
1.49
1.78
1.94
2.11
2.18
1.96
1.86
1.93
2.06
2.08
2.55
1.31
0.82
1.77
Revenue per Share
0.34
0.61
0.41
0.46
0.5
0.53
0.55
0.57
0.57
0.54
0.58
0.55
0.55
0.02
0.02
0.34
Basic EPS, GAAP
1.64
2.47
5.54
-1.45
-4.16
-0.05
14.41
7.65
4.96
6.68
21.14
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
0.14
0.3
0.19
0.21
0.23
0.25
0.27
0.32
0.3
0.29
0.31
- -
- -
- -
- -
- -
Dividend per Share
1.78
1.97
2.18
2.42
2.68
2.95
3.23
3.52
3.83
4.54
4.85
6.62
6.89
6.62
6.19
6.25
Book Value per Share
1.77
1.96
2.17
2.41
2.67
2.94
3.22
3.51
3.81
4.52
4.83
6.61
6.88
6.61
6.17
6.24
Tangible Book Value per Share
29
18
29
29
29
29
29
29
30
32
32
35
36
36
38
41
Basic Weighted Avg Shares
39
40
43
52
57
62
64
58
55
61
66
74
91
47
31
73
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
5
1
-1
- -
2
1
2
3
-2
1
1
1
1
1
Depreciation Expense
10
11
12
13
15
16
16
17
17
17
18
19
20
1
1
14
Net Income, GAAP
45.61
43.3
40.77
47.33
53.25
47.48
46.16
43.08
41.42
40.49
38.03
39.61
30.7
- -
- -
- -
Effective Tax Rate (%)
25.84
27.57
27.72
25.84
25.63
25.26
25.33
28.86
30.54
28.05
27.97
26.27
21.5
1.54
2.36
19.43
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
502
606
598
572
571
881
1,036
1,070
1,229
1,891
2,528
2,336
2,361
1,941
1,825
LT Debt
54
60
66
74
82
90
98
108
119
151
163
245
257
249
242
268
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
19.52
3.57
1.95
2
2.19
2.37
1.97
1.57
1.45
1.34
1.08
0.8
0.73
- -
- -
- -
Return on Capital (%)
19.52
19.28
19.08
19.19
18.72
18.16
17.14
16.14
14.91
12.73
11.8
9.5
7.79
0.29
0.3
5.79
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

EUR

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.38%
11.98%
10.35%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
177.05%
350.6%
1,842.92%
Sales/Revenue/Turnover
9.7%
17.72%
136.07%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
47
2024
- -
- -
31
2025
- -
- -
73

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.02
2024
- -
- -
0.02
2025
- -
- -
0.34

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -
Similar Companies
ICICI Bank Limited (NSE:ICICIBANK)
State Bank of India (NSE:SBIN)
Nu Holdings Ltd. (NYSE:NU)
Sberbank (MOEX:SBER)
Akbank T.A.S. (BIST:AKBNK)
PT Bank Rakyat Indonesia (Persero) Tbk Class B (IDX:BBRI)
Business
UmweltBank AG (UBK.DE) operates as Germany's pioneering green direct bank, specializing in sustainable and ethical finance by channeling customer deposits exclusively into ecological and social projects. The company provides a comprehensive range of banking products and services to private and commercial customers throughout Germany, including checking accounts, savings accounts, fixed-term deposits, fund savings, daily money accounts, green bonds, sustainable investment funds and ETFs, personal loans, construction financing, and online brokerage services; it also offers insurance, retirement products, and payment cards tied to environmental initiatives. UmweltBank finances projects in renewable energies such as solar, wind, hydropower, and biomass; combined heat and power stations; low-energy and sustainable construction; environmentally friendly production; organic farming; and recycling. Founded in 1997 and headquartered in Nuremberg, Germany, at Laufertorgraben 6, UmweltBank maintains a focused business model in the financial services sector, targeting environmentally conscious individuals, businesses, and institutional investors seeking transparent green investments. The bank operates solely within Germany, leveraging a scalable core banking system to support efficient processes and rapid product introductions. In recent developments, UmweltBank successfully completes a rights issue capital increase in September 2025 to expand its lending for sustainable projects, following its transition to the Scale segment of the Frankfurt Stock Exchange; it launches an equity ETF in Q2 2024 and a Green and Social Bond ETF in August 2025 under new CEO leadership. The company introduces a new giro checking account with green cards and enhances its product portfolio amid a growth strategy emphasizing organic expansion in renewable energy financing. Additionally, UmweltBank implements a modern core banking system to enable state-of-the-art digital banking and operational efficiencies.