UmweltBank Valuation
Is UBK undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of UBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: UBK (€6.26) is trading above our estimate of fair value (€5.62)
Significantly Below Fair Value: UBK is trading above our estimate of fair value.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for UBK?
Key metric: As UBK is a barely profitable bank we use its Price-To-Book Ratio for relative valuation analysis.
| What is UBK's PB Ratio? | |
|---|---|
| PB Ratio | 0.9x |
| Book | €249.15m |
| Market Cap | €225.66m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does UBK's PB Ratio compare to its peers?
| Company | Forward PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 0.5x | ||
MBK Merkur PrivatBank KgaA | 0.4x | 8.6% | €108.9m |
PCZ ProCredit Holding | 0.4x | 10.7% | €451.2m |
CBK Commerzbank | 0.5x | 8.8% | €17.1b |
UBN Union Bank of Nigeria | 0.6x | n/a | ₦194.6b |
UBK UmweltBank | 0.9x | n/a | €225.7m |
Price-To-Book vs Peers: UBK is expensive based on its Price-To-Book Ratio (0.9x) compared to the peer average (0.5x).
Price to Book Ratio vs Industry
How does UBK's PB Ratio compare vs other companies in the European Banks Industry?
| 6 Companies | Price / Book | Estimated Growth | Market Cap |
|---|---|---|---|
| 6 Companies | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Book vs Industry: UBK is expensive based on its Price-To-Book Ratio (0.9x) compared to the European Banks industry average (0.8x).
Price to Book Ratio vs Fair Ratio
What is UBK's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PB Ratio | 0.9x |
| Fair PB Ratio | n/a |
Price-To-Book vs Fair Ratio: Insufficient data to calculate UBK's Price-To-Book Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | €6.26 | €9.00 +43.8% | 11.1% | €10.00 | €8.00 | n/a | 2 |
| Nov ’25 | €5.90 | €8.82 +49.4% | 9.2% | €9.63 | €8.00 | n/a | 2 |
| Oct ’25 | €4.97 | €8.82 +77.4% | 9.2% | €9.63 | €8.00 | n/a | 2 |
| Sep ’25 | €5.52 | €8.82 +59.7% | 9.2% | €9.63 | €8.00 | n/a | 2 |
| Aug ’25 | €6.20 | €8.80 +41.9% | 9.1% | €9.60 | €8.00 | n/a | 2 |
Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.
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