UmweltBank Balance Sheet Health
Financial Health criteria checks 3/6
UmweltBank has total assets of €5.7B and total equity of €249.1M. Total deposits are €2.9B, and total loans are €3.4B.
Key information
22.8x
Asset to equity ratio
0.8%
Net interest margin
| Total deposits | €2.85b |
| Loan to deposit ratio | Appropriate |
| Bad loans | n/a |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | €5.57m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UBK's Assets to Equity ratio (22.8x) is very high.
Allowance for Bad Loans: Insufficient data to determine if UBK has a sufficient allowance for bad loans.
Low Risk Liabilities: 52% of UBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: UBK has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: UBK's Loans to Deposits ratio (117%) is appropriate.
Level of Bad Loans: Insufficient data to determine if UBK has an appropriate level of bad loans.
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 12:37 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2023/12/31 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
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Analyst Sources
UmweltBank AG is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Milosz Papst | Edison Investment Research |
| Cosmin Filker | GBC AG |
| Christoph Hoffmann | Montega AG |