UmweltBank AG (HAM:UBK) GF Score: 59/100 (As of Jul. 06, 2026) — Near Median


HAM:UBK UmweltBank AG HAM:UBK
59 GF Score
Price €3.65
GF Value €2.89
Valuation Modestly Overvalued
! 2 Warning Signs
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What is UmweltBank AG GF Score?

UmweltBank AG HAM:UBK +2.24% 59 GF Score is 59 as of Jul. 06, 2026, which is 2% above its 10-year median of 58.00. GuruFocus rates HAM:UBK with a GF Score™ of 59/100 and a GF Value™ of €2.89 (Modestly Overvalued). The stock has 2 warning signs investors should review.

UmweltBank AG has the GF Score of 59, which implies that the company might have Poor future performance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 1/10
2. Profitability Rank : 3/10
3. Growth Rank : 5/10
4. GF Value Rank : 5/10
5. Momentum Rank : 5/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes UmweltBank AG might have Poor future performance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

UmweltBank AG  (HAM:UBK) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

UmweltBank AG GF Score Related Terms

HAM:UBK vs PNC, USB: GF Score Comparison

For the Banks - Regional subindustry, UmweltBank AG's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

UmweltBank AG GF Score vs Banks Industry

For the Banks industry and Financial Services sector, UmweltBank AG's GF Score distribution charts can be found below:

* The bar in red indicates where UmweltBank AG's GF Score falls into.


HAM:UBK
59GF Score
UmweltBank AG HAM:UBK
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 59 mean?
UmweltBank AG (HAM:UBK) has a GF Score of 59 as of Jul. 06, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on UmweltBank AG and its competitors. This is near median its historical median of 58.00. Over the past decade, UmweltBank AG's GF Score has ranged from 17.00 to 66.00.
Is UmweltBank AG's GF Score too high?
UmweltBank AG's current GF Score of 59 is near median its 10-year median of 58.00. Over the past 10 years, this metric has ranged from a low of 17.00 to a high of 66.00. Overall, UmweltBank AG has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UmweltBank AG's GF Score compare to PNC and USB?
UmweltBank AG's GF Score of 59 can be compared against companies in the Banks industry. Historically, UmweltBank AG's own GF Score has ranged from 17.00 to 66.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on UmweltBank AG and its competitors. UmweltBank AG's current GF Score is 59, which is near median its own 10-year median of 58.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UmweltBank AG stock overvalued right now?
Based on GuruFocus' analysis, UmweltBank AG (HAM:UBK) is currently considered Modestly Overvalued. The stock's GF Value™ is €2.89, compared to a current price of €3.65 — trading 26.3% above its estimated fair value. The current GF Score is 59, which is near median its 10-year median of 58.00. UmweltBank AG's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For UmweltBank AG (HAM:UBK), the current GF Score is 59 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is UmweltBank AG (HAM:UBK) Overvalued in 2026?

Based on GuruFocus' analysis, UmweltBank AG stock appears to be overvalued. The current stock price of €3.65 is trading 26.3% above its estimated GF Value™ of €2.89. GuruFocus considers UmweltBank AG to be Modestly Overvalued.

Key valuation signals for HAM:UBK:

  • GF Score: 59 (near median its 10-year median of 58.00)
  • GF Value™: €2.89 vs. price of €3.65 (26.3% above fair value)
  • GF Score™: 59/100 with 2 warning signs

No single metric tells the full story. See the HAM:UBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

UmweltBank AG Business Description

Other Exchanges UBK:Germany
Address Laufertorgraben 6, Nuremberg, DEU, 90489
UmweltBank AG provides commercial banking services. The company offers various deposit products; savings accounts and bonds, investments, current accounts, and environmental accounts; and loan and financing products. The company offers its products for solar energy, wind and hydropower, combined heat and power station, low-energy construction, environmentally-friendly production, and organic farming and recycling fields.
59GF Score

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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.65
Price
€2.89
GF Value