UmweltBank AG (FRA:UBK) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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FRA:UBK UmweltBank AG FRA:UBK
58 GF Score
Price €3.69
GF Value €2.80
Valuation Significantly Overvalued
! 3 Warning Signs
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What is UmweltBank AG ROC (Joel Greenblatt) %?

UmweltBank AG FRA:UBK -1.60% 58 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates FRA:UBK with a GF Score™ of 58/100 and a GF Value™ of €2.80 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 46 Banks companies, UmweltBank AG ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:UBK
58GF Score
UmweltBank AG FRA:UBK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
UmweltBank AG (FRA:UBK) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on UmweltBank AG and its competitors. According to the industry distribution chart, UmweltBank AG ranks #999999 out of 46 companies in the Banks industry.
Is UmweltBank AG's ROC (Joel Greenblatt) % too high?
UmweltBank AG's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, UmweltBank AG ranks #999999 out of 46 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UmweltBank AG's ROC (Joel Greenblatt) % compare to PNC and USB?
According to the Banks industry distribution chart, UmweltBank AG ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places UmweltBank AG in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on UmweltBank AG and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UmweltBank AG's current ROC (Joel Greenblatt) % is %. 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 Significantly Overvalued. The stock's GF Value™ is €2.80, compared to a current price of €3.69 — trading 31.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. UmweltBank AG's overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For UmweltBank AG (FRA:UBK), the current ROC (Joel Greenblatt) % is % as of Dec. 2025. 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 €3.69 is trading 31.8% above its estimated GF Value™ of €2.80. GuruFocus considers UmweltBank AG to be Significantly Overvalued.

Key valuation signals for FRA:UBK:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €2.80 vs. price of €3.69 (31.8% above fair value)
  • GF Score™: 58/100 with 3 warning signs

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 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.
58GF Score

Get the complete analysis for FRA:UBK

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.69
Price
€2.80
GF Value