UmweltBank AG

UBK.DE

Banks - Regional · Financial Services

Exchange

Frankfurt Stock Exchange

Winston Score

–

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Winston Score History

The full picture

UmweltBank AG is a small German bank that focuses entirely on lending money for environmentally friendly projects. Its main customers are individuals, housing cooperatives, and businesses that want to build energy-efficient homes, install renewable energy systems, or fund other green initiatives. It is one of the few banks in Germany dedicated exclusively to sustainable and ecological financing.

The bank makes money primarily through interest income — it takes in deposits from customers and lends that money out at higher interest rates to fund green projects. It operates entirely within Germany and has a balance sheet of roughly €5 billion, making it a niche regional player. Its focus on ecological lending gives it a clear identity and a loyal customer base, but its small size and concentration in a single country and theme mean it is exposed to changes in German interest rates and shifts in government subsidies for renewable energy projects.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+51.9% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

YoY Growth Rate

EPS data limited

Insider Activity

13.8%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

€0 cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

UmweltBank AG grew revenue 52% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

N/A

Data not available

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

2/4 quarters

Earnings inconsistent quarter-to-quarter

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

2.56%

no trend

Moderate income — 2.56% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

-36.1%

no trend

Dividend cut (-36.1% YoY) — warning sign

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