UmweltBank AGFRA:UBK +1.14%58 Net Margin % is 2.36% as of Dec. 2024, which is 91% below its 10-year median of 25.80. GuruFocus rates FRA:UBK with a GF Score™ of 58/100 and a GF Value™ of €2.80 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, UmweltBank AG ranks worse than 93.98% on this metric.
Net margin is calculated as Net Income divided by its Revenue. UmweltBank AG's Net Income for the
six
months ended in Dec. 2024 was €0.73 Mil. UmweltBank AG's Revenue for the
six
months ended in Dec. 2024 was €31.09 Mil. Therefore, UmweltBank AG's net margin for the quarter that ended in Dec. 2024 was 2.36%.
The historical rank and industry rank for UmweltBank AG's Net Margin % or its related term are showing as below:
FRA:UBK'
s Net Margin % Range Over the Past 10 Years
Min: 1.54 Med: 25.8 Max: 30.54
Current: 2.36
FRA:UBK's Net Margin % is ranked worse than 93.98% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:UBK: 2.36
UmweltBank AG (FRA:UBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
UmweltBank AG Net Margin % Related Terms
UmweltBank AG Net Margin % Historical Data
* Premium members only.
The historical data trend for UmweltBank AG's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, UmweltBank AG's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, UmweltBank AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where UmweltBank AG's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UmweltBank AG (FRA:UBK) has a Net Margin % of 2.36% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on UmweltBank AG and its competitors. This is 91% below median its historical median of 25.80. Over the past decade, UmweltBank AG's Net Margin % has ranged from 1.54 to 30.54. According to the industry distribution chart, UmweltBank AG ranks #1435 out of 1527 companies in the Banks industry, placing it in the top 94%.
Is UmweltBank AG's Net Margin % too high?
UmweltBank AG's current Net Margin % of 2.36% is 91% below median its 10-year median of 25.80. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 30.54. The Banks industry median Net Margin % is 26.95. UmweltBank AG's value of 2.36% is 91.2% below this industry median. Based on the distribution chart, UmweltBank AG ranks #1435 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, UmweltBank AG has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UmweltBank AG's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, UmweltBank AG ranks #1435 out of 1527 companies for Net Margin %. This places UmweltBank AG in the lower half of its industry. The industry median Net Margin % is 26.95. UmweltBank AG's value of 2.36% is 91.2% below this benchmark. Historically, UmweltBank AG's own Net Margin % has ranged from 1.54 to 30.54 over the past decade. While the company's 10-year median is 25.80 vs. the industry median of 26.95, UmweltBank AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UmweltBank AG's current Net Margin % of 2.36% is 91.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on UmweltBank AG and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UmweltBank AG's current Net Margin % is 2.36%, which is 91% below median its own 10-year median of 25.80. 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 (FRA:UBK) is currently considered Modestly Overvalued. The stock's GF Value™ is €2.80, compared to a current price of €3.56 — trading 27.1% above its estimated fair value. The current Net Margin % is 2.36%, which is 91% below median its 10-year median of 25.80 and 91.2% below the Banks industry median of 26.95. UmweltBank AG's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For UmweltBank AG (FRA:UBK), the current Net Margin % is 2.36% as of Dec. 2024. 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 (FRA:UBK) Overvalued in 2026?
Based on GuruFocus' analysis, UmweltBank AG stock appears to be overvalued.
The current stock price of €3.56 is trading 27.1% above its estimated GF Value™ of €2.80.
GuruFocus considers UmweltBank AG to be Modestly Overvalued.
Key valuation signals for FRA:UBK:
Net Margin %: 2.36% (91% below median its 10-year median of 25.80)
GF Value™: €2.80 vs. price of €3.56 (27.1% above fair value)
Industry Position: 91.2% below the Banks median (#1435 of 1527)
No single metric tells the full story. See the FRA:UBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
58GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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