UNITED Stock Overview
United Bankers Oyj provides investment products and services in Finland.
United Bankers Oyj Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€14.35|
|52 Week High||€15.95|
|52 Week Low||€12.50|
|1 Month Change||6.30%|
|3 Month Change||2.87%|
|1 Year Change||10.39%|
|3 Year Change||79.38%|
|5 Year Change||102.11%|
|Change since IPO||106.18%|
Recent News & Updates
One Analyst's Earnings Estimates For United Bankers Oyj (HEL:UNITED) Are Surging Higher
United Bankers Oyj ( HEL:UNITED ) shareholders will have a reason to smile today, with the covering analyst making...
|UNITED||FI Capital Markets||FI Market|
Return vs Industry: UNITED exceeded the Finnish Capital Markets industry which returned 0.9% over the past year.
Return vs Market: UNITED exceeded the Finnish Market which returned -11.7% over the past year.
|UNITED Average Weekly Movement||6.1%|
|Capital Markets Industry Average Movement||6.0%|
|Market Average Movement||6.2%|
|10% most volatile stocks in FI Market||9.0%|
|10% least volatile stocks in FI Market||4.4%|
Stable Share Price: UNITED is not significantly more volatile than the rest of Finnish stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: UNITED's weekly volatility (6%) has been stable over the past year.
About the Company
United Bankers Oyj provides investment products and services in Finland. The company offers asset management services, including investment funds, wealth management, structured investments, traditional equity and fixed income funds, direct and structured bonds, real assets investment funds, private equity funds, and securities brokerage. It also provides capital markets services, such as corporate finance advisory, IPOs, equity-based and debt-based financing, and a corporate lending platform.
United Bankers Oyj Fundamentals Summary
|UNITED fundamental statistics|
Is UNITED overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UNITED income statement (TTM)|
|Cost of Revenue||€5.29m|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||1.00|
|Net Profit Margin||23.67%|
How did UNITED perform over the long term?See historical performance and comparison
4.9%Current Dividend Yield
Is United Bankers Oyj undervalued compared to its fair value and its price relative to the market?
Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UNITED (€14.35) is trading below our estimate of fair value (€14.95)
Significantly Below Fair Value: UNITED is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: UNITED's PE Ratio (14.4x) is in line with the Finnish Capital Markets industry average.
PE vs Market: UNITED is good value based on its PE Ratio (14.4x) compared to the Finnish market (17.6x).
Price to Earnings Growth Ratio
PEG Ratio: UNITED is poor value based on its PEG Ratio (1.8x)
Price to Book Ratio
PB vs Industry: UNITED is overvalued based on its PB Ratio (3.4x) compared to the FI Capital Markets industry average (2.3x).
How is United Bankers Oyj forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UNITED's forecast earnings growth (7.9% per year) is above the savings rate (0.2%).
Earnings vs Market: UNITED's earnings (7.9% per year) are forecast to grow slower than the Finnish market (8.1% per year).
High Growth Earnings: UNITED's earnings are forecast to grow, but not significantly.
Revenue vs Market: UNITED's revenue (6.8% per year) is forecast to grow faster than the Finnish market (2.9% per year).
High Growth Revenue: UNITED's revenue (6.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UNITED's Return on Equity is forecast to be high in 3 years time (24.9%)
How has United Bankers Oyj performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UNITED has high quality earnings.
Growing Profit Margin: UNITED's current net profit margins (23.7%) are higher than last year (18.3%).
Past Earnings Growth Analysis
Earnings Trend: UNITED's earnings have grown significantly by 35.6% per year over the past 5 years.
Accelerating Growth: UNITED's earnings growth over the past year (66%) exceeds its 5-year average (35.6% per year).
Earnings vs Industry: UNITED earnings growth over the past year (66%) underperformed the Capital Markets industry 66%.
Return on Equity
High ROE: UNITED's Return on Equity (25.3%) is considered high.
How is United Bankers Oyj's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: UNITED's short term assets (€15.1M) exceed its short term liabilities (€8.3M).
Long Term Liabilities: UNITED's short term assets (€15.1M) do not cover its long term liabilities (€25.6M).
Debt to Equity History and Analysis
Debt Level: UNITED has more cash than its total debt.
Reducing Debt: UNITED's debt to equity ratio has reduced from 19.4% to 4.5% over the past 5 years.
Debt Coverage: UNITED's debt is well covered by operating cash flow (654.3%).
Interest Coverage: Insufficient data to determine if UNITED's interest payments on its debt are well covered by EBIT.
What is United Bankers Oyj current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UNITED's dividend (4.88%) is higher than the bottom 25% of dividend payers in the Finnish market (2.38%).
High Dividend: UNITED's dividend (4.88%) is in the top 25% of dividend payers in the Finnish market (4.74%)
Stability and Growth of Payments
Stable Dividend: UNITED has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: UNITED's dividend payments have increased, but the company has only paid a dividend for 7 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (70.3%), UNITED's dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonable cash payout ratio (62.6%), UNITED's dividend payments are covered by cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Patrick Anderson (42 yo)
Mr. Patrick Anderson serves as the Chairman of the Management Board and President at United Bankers Oyj and has been its Chief Executive Officer since 2010.
Experienced Management: UNITED's management team is considered experienced (2.4 years average tenure).
Experienced Board: UNITED's board of directors are considered experienced (4.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
United Bankers Oyj's employee growth, exchange listings and data sources
- Name: United Bankers Oyj
- Ticker: UNITED
- Exchange: HLSE
- Founded: 1986
- Industry: Diversified Capital Markets
- Sector: Diversified Financials
- Implied Market Cap: €148.833m
- Shares outstanding: 10.37m
- Website: https://www.unitedbankers.fi
Number of Employees
- United Bankers Oyj
- Aleksanterinkatu 21 A
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/19 00:00|
|End of Day Share Price||2022/05/19 00:00|
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.