UmweltBank AGFRA:UBK +2.02%58 PEG Ratio is 21.92 as of Jul. 04, 2026, which is 915% above its 10-year median of 2.16. 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 1,228 Banks companies, UmweltBank AG ranks worse than 97.48% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, UmweltBank AG's PE Ratio without NRI is 186.32. UmweltBank AG's 5-Year Book Value growth rate is 8.50%. Therefore, UmweltBank AG's PEG Ratio for today is 21.92.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for UmweltBank AG's PEG Ratio or its related term are showing as below:
FRA:UBK'
s PEG Ratio Range Over the Past 10 Years
Min: 0.76 Med: 2.16 Max: 36.78
Current: 21.92
During the past 13 years, UmweltBank AG's highest PEG Ratio was 36.78. The lowest was 0.76. And the median was 2.16.
FRA:UBK's PEG Ratio is ranked worse than 97.48% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs FRA:UBK: 21.92
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
UmweltBank AG (FRA:UBK) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
UmweltBank AG PEG Ratio Related Terms
UmweltBank AG PEG Ratio Historical Data
* Premium members only.
The historical data trend for UmweltBank AG's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, UmweltBank AG's PEG Ratio distribution charts can be found below:
* The bar in red indicates where UmweltBank AG's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
UmweltBank AG (FRA:UBK) has a PEG Ratio of 21.92 as of Jul. 04, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on UmweltBank AG and its competitors. This is 915% above median its historical median of 2.16. Over the past decade, UmweltBank AG's PEG Ratio has ranged from 0.76 to 36.78. According to the industry distribution chart, UmweltBank AG ranks #1197 out of 1228 companies in the Banks industry, placing it in the top 97.5%.
Is UmweltBank AG's PEG Ratio too high?
UmweltBank AG's current PEG Ratio of 21.92 is 915% above median its 10-year median of 2.16. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 36.78. The Banks industry median PEG Ratio is 1.53. UmweltBank AG's value of 21.92 is 1332.7% above this industry median. Based on the distribution chart, UmweltBank AG ranks #1197 out of 1228 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 PEG Ratio compare to PNC and USB?
According to the Banks industry distribution chart, UmweltBank AG ranks #1197 out of 1228 companies for PEG Ratio. This places UmweltBank AG in the lower half of its industry. The industry median PEG Ratio is 1.53. UmweltBank AG's value of 21.92 is 1332.7% above this benchmark. Historically, UmweltBank AG's own PEG Ratio has ranged from 0.76 to 36.78 over the past decade. While the company's 10-year median is 2.16 vs. the industry median of 1.53, UmweltBank AG has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UmweltBank AG's current PEG Ratio of 21.92 is 1332.7% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on UmweltBank AG and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UmweltBank AG's current PEG Ratio is 21.92, which is 915% above median its own 10-year median of 2.16. 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 €3.54 — trading 26.4% above its estimated fair value. The current PEG Ratio is 21.92, which is 915% above median its 10-year median of 2.16 and 1332.7% above the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For UmweltBank AG (FRA:UBK), the current PEG Ratio is 21.92 as of Jul. 04, 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 (FRA:UBK) Overvalued in 2026?
Based on GuruFocus' analysis, UmweltBank AG stock appears to be overvalued.
The current stock price of €3.54 is trading 26.4% above its estimated GF Value™ of €2.80.
GuruFocus considers UmweltBank AG to be Modestly Overvalued.
Key valuation signals for FRA:UBK:
PEG Ratio: 21.92 (915% above median its 10-year median of 2.16)
GF Value™: €2.80 vs. price of €3.54 (26.4% above fair value)
Industry Position: 1332.7% above the Banks median (#1197 of 1228)
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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