UmweltBank stock
UBK.DEXETRAUmweltBank AG, Financial ServicesISIN DE0005570808WKN 557080
38Score 38 out of 100, Weak
Price and trend
51 / 100
Price history
−6.0% in one yearThe chart shows daily closes over 19 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 4.8% below it.
Since September 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 53).
The price is 13% below its 52-week high. Largest decline in 19 years: 86% (October 2021 to December 2025).
Chart figures for advanced users
- SMA 50$3.99
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$4.18
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)53
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$3.69
- The lowest closing price of the last twelve months.
- Resistance$4.59
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- UmweltBank AG belongs to the Banks (Regional) industry (Germany) and, with a market value of $164.68M, is number 419 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $15.8M (up 1,841.9% year on year).
- MEQIRI Score 38 out of 100 (Weak): rank 939 of 975 in Financial Services, median 68.
Show more
- Our model puts fair value at $6.71, with the price 41% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 59
Weaknesses
- DilutionShare count up 29% since 2020.Capital allocation 9
- Loss-makingLoss of $634.39K over the last 12 months.Fundamentals 59
- Low return on equityReturn on equity −0.1% over the last 12 months.Profitability 10
Its standout strength is valuation, while capital allocation and growth hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- low growth grade (crashed less often in the backtest)
- calm price action
Valuation
Valuation signal
Possible value trapIn our model the price counts as cheap below $5.16 and expensive above $9.59 (uncertainty medium, based on the price swings of the past year).
Calculated with a cost of equity of 7.1%. At 8.1% the fair value would be $5.59, at 6.1% it would be $8.39.
Possible value trap: looks cheap, but score below 50, weak growth.
Valuation metrics
From the excess return model alone; without earnings there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 60.8% on the twelve months before. Revenue has grown solidly since 2006, at about 8% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 22%, net 18%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net −1%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 3 Mar 2027in 110 days
- Last reported
- 29 Jul 2026EPS reported $0.02
Analyst estimates
Earnings estimates have barely changed since 28 Oct 2026.
- Earnings per share
- $0.350.0%
- Revenue
- $86.65M0.0%
- Earnings per share
- $0.50−0.7%
- Revenue
- $105.82M0.0%
MEQIRI has stored the estimates since 28 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at UmweltBank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 38
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- NewtekOneNEWT $328.67M66
- John Marshall BancorpJMSB $325.56M62
- Franklin Financial ServicesFRAF $314.06M77
- First Western FinancialMYFW $307.63M54
- First CommunityFCCO $307.56M68
- Princeton BancorpBPRN $302.89M64
- Ames NationalATLO $302.83M70
- Quirin PrivatbankQB7.DE $139.51M64
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = €0.9024)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 30 Jun 2024)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.