UmweltBank AG
UmweltBank AG provides various banking products and services in Germany. It offers checking, saving, and call and term deposit accounts. The company also provides finance for environmental projects, energy and infrastructure projects, photovoltaic, and wind power, as well as ETF and online bank services, and credit cards. In addition, it is involved in securities business; and real estate that in… Read more
UmweltBank AG (UBK) - Net Assets
Latest net assets as of March 2018: €-1.66 Million EUR
Based on the latest financial reports, UmweltBank AG (UBK) has net assets worth €-1.66 Million EUR as of March 2018.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€42.32K) and total liabilities (€1.70 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €-1.66 Million |
| % of Total Assets | -3917.49% |
| Annual Growth Rate | 10.65% |
| 5-Year Change | 53.43% |
| 10-Year Change | -88.81% |
| Growth Volatility | 518.56 |
UmweltBank AG - Net Assets Trend (1999–2024)
This chart illustrates how UmweltBank AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for UmweltBank AG (1999–2024)
The table below shows the annual net assets of UmweltBank AG from 1999 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €249.93 Million | +0.31% |
| 2023-12-31 | €249.15 Million | -2.87% |
| 2022-12-31 | €256.50 Million | +4.64% |
| 2021-12-31 | €245.12 Million | +50.48% |
| 2020-12-31 | €162.89 Million | +8.19% |
| 2019-12-31 | €150.56 Million | -94.40% |
| 2018-12-31 | €2.69 Billion | +7.36% |
| 2017-12-31 | €2.51 Billion | +5.54% |
| 2016-12-31 | €2.37 Billion | +6.23% |
| 2015-12-31 | €2.23 Billion | +7.74% |
| 2014-12-31 | €2.07 Billion | +5.70% |
| 2013-12-31 | €1.96 Billion | +10.70% |
| 2012-12-31 | €1.77 Billion | +18.82% |
| 2011-12-31 | €1.49 Billion | +2649.34% |
| 2010-12-31 | €54.25 Million | +12.60% |
| 2009-12-31 | €48.18 Million | +12.09% |
| 2008-12-31 | €42.99 Million | +9.84% |
| 2007-12-31 | €39.13 Million | +7.13% |
| 2006-12-31 | €36.53 Million | +10.36% |
| 2005-12-31 | €33.10 Million | +21.25% |
| 2004-12-31 | €27.30 Million | +5.00% |
| 2003-12-31 | €26.00 Million | +6.56% |
| 2002-12-31 | €24.40 Million | +3.39% |
| 2001-12-31 | €23.60 Million | +16.83% |
| 2000-12-31 | €20.20 Million | +1.51% |
| 1999-12-31 | €19.90 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to UmweltBank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 983.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €105.14 Million | 42.07% |
| Common Stock | €36.12 Million | 14.45% |
| Other Comprehensive Income | €26.20 | 0.00% |
| Other Components | €108.67 Million | 43.48% |
| Total Equity | €249.93 Million | 100.00% |
UmweltBank AG Competitors by Market Cap
The table below lists competitors of UmweltBank AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
FFB Bancorp
OTCQX:FFBB
|
$124.74 Million |
|
TPI Polene Power Public Company Limited
BK:TPIPP
|
$124.77 Million |
|
Don Muang Tollway Public Company Limited
BK:DMT
|
$124.78 Million |
|
innoscripta SE
XETRA:1INN
|
$124.83 Million |
|
National Petroleum Co Ltd
TW:9937
|
$124.67 Million |
|
TBI Motion Technology Co Ltd
TW:4540
|
$124.66 Million |
|
Espey Mfg & Electronics Corp
NYSE MKT:ESP
|
$124.64 Million |
|
Jikai Equipment Manufacturing Co Ltd
SHE:002691
|
$124.64 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UmweltBank AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 249,145,457 to 249,928,796, a change of 783,339 (0.3%).
- Net income of 734,378 contributed positively to equity growth.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €734.38K | +0.29% |
| Other Changes | €48.96K | +0.02% |
| Total Change | €- | 0.31% |
Book Value vs Market Value Analysis
This analysis compares UmweltBank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.56x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 6.90x to 0.56x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1999-12-31 | €0.56 | €3.87 | x |
| 2000-12-31 | €0.57 | €3.87 | x |
| 2001-12-31 | €0.99 | €3.87 | x |
| 2002-12-31 | €1.02 | €3.87 | x |
| 2003-12-31 | €1.09 | €3.87 | x |
| 2004-12-31 | €1.14 | €3.87 | x |
| 2005-12-31 | €1.38 | €3.87 | x |
| 2006-12-31 | €1.25 | €3.87 | x |
| 2007-12-31 | €1.34 | €3.87 | x |
| 2008-12-31 | €1.47 | €3.87 | x |
| 2009-12-31 | €1.65 | €3.87 | x |
| 2010-12-31 | €1.86 | €3.87 | x |
| 2011-12-31 | €2.05 | €3.87 | x |
| 2012-12-31 | €2.27 | €3.87 | x |
| 2013-12-31 | €2.53 | €3.87 | x |
| 2014-12-31 | €2.80 | €3.87 | x |
| 2015-12-31 | €3.08 | €3.87 | x |
| 2016-12-31 | €3.37 | €3.87 | x |
| 2017-12-31 | €3.67 | €3.87 | x |
| 2018-12-31 | €4.00 | €3.87 | x |
| 2019-12-31 | €4.75 | €3.87 | x |
| 2020-12-31 | €5.07 | €3.87 | x |
| 2021-12-31 | €6.92 | €3.87 | x |
| 2022-12-31 | €7.19 | €3.87 | x |
| 2023-12-31 | €6.91 | €3.87 | x |
| 2024-12-31 | €6.93 | €3.87 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UmweltBank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.29%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.66%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 24.75x
- Recent ROE (0.29%) is below the historical average (10.90%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | 2.45% | 7.72% | 0.04x | 8.45x | €-1.51 Million |
| 2000 | 3.47% | 9.94% | 0.03x | 10.52x | €-1.32 Million |
| 2001 | -6.19% | -16.84% | 0.03x | 13.57x | €-3.82 Million |
| 2002 | 3.03% | 6.96% | 0.03x | 16.58x | €-1.70 Million |
| 2003 | 6.15% | 13.71% | 0.02x | 18.70x | €-1.00 Million |
| 2004 | 7.99% | 15.60% | 0.02x | 21.27x | €-550.00K |
| 2005 | 8.22% | 16.20% | 0.02x | 20.69x | €-590.00K |
| 2006 | 16.00% | 15.20% | 0.05x | 22.18x | €2.19 Million |
| 2007 | 16.96% | 12.92% | 0.05x | 26.21x | €2.72 Million |
| 2008 | 15.35% | 11.98% | 0.05x | 26.95x | €2.30 Million |
| 2009 | 16.68% | 12.60% | 0.04x | 31.02x | €3.22 Million |
| 2010 | 18.42% | 13.54% | 0.04x | 32.46x | €4.57 Million |
| 2011 | 18.38% | 13.87% | 0.04x | 33.30x | €5.02 Million |
| 2012 | 18.14% | 13.93% | 0.04x | 35.14x | €5.41 Million |
| 2013 | 18.24% | 15.05% | 0.04x | 34.07x | €6.07 Million |
| 2014 | 17.81% | 16.43% | 0.03x | 31.79x | €6.38 Million |
| 2015 | 17.31% | 17.62% | 0.03x | 30.63x | €6.58 Million |
| 2016 | 16.41% | 18.31% | 0.03x | 32.58x | €6.31 Million |
| 2017 | 15.43% | 21.43% | 0.02x | 32.26x | €5.86 Million |
| 2018 | 14.21% | 22.92% | 0.02x | 31.03x | €5.02 Million |
| 2019 | 11.41% | 21.15% | 0.02x | 27.20x | €2.12 Million |
| 2020 | 11.36% | 22.26% | 0.02x | 30.35x | €2.21 Million |
| 2021 | 7.90% | 23.80% | 0.01x | 24.18x | €-5.14 Million |
| 2022 | 7.62% | 18.35% | 0.02x | 23.32x | €-6.10 Million |
| 2023 | 0.29% | 0.68% | 0.02x | 22.85x | €-24.19 Million |
| 2024 | 0.29% | 0.66% | 0.02x | 24.75x | €-24.26 Million |
Industry Comparison
This section compares UmweltBank AG's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $2,151,195,313,100
- Average return on equity (ROE) among peers: 3.71%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UmweltBank AG (UBK) | €-1.66 Million | 2.45% | N/A | $124.68 Million |
| PT Bank Sinarmas Tbk (08S) | $6.07 Trillion | 0.11% | 5.02x | $303.68 Million |
| Seven Bank Ltd (0S7) | $275.85 Billion | 11.59% | 5.23x | $648.12 Million |
| Aktia Pankki Oyj (2A41) | $666.83 Million | 6.39% | 14.86x | $486.03 Million |
| Manx Financial Group PLC (3IM) | $24.98 Million | 11.18% | 11.36x | $13.98 Million |
| TowneBank (3T8) | $1.14 Billion | 7.67% | 6.46x | $2.10 Billion |
| TISCO Financial Group PCL (47T) | $42.45 Billion | 17.20% | 5.85x | $2.09 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $44.90 Billion | 9.50% | 14.37x | $867.69 Million |
| Fukuoka Financial Group Inc (4FK) | $853.06 Billion | 12.97% | 28.39x | $6.27 Billion |
| PT Bank KB Bukopin Tbk (5BB) | $14.11 Trillion | -42.76% | 4.97x | $15.54 Million |
| FIDEA Holdings Co. Ltd (5F9) | $109.23 Billion | 3.21% | 28.89x | $177.57 Million |