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

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:UBK UmweltBank AG FRA:UBK
58 GF Score
Price €3.82
GF Value €8.52
Valuation Possible Value Trap
! 5 Warning Signs
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What is UmweltBank AG ROC %?

UmweltBank AG FRA:UBK 58 ROC % is % as of Dec. 2025. GuruFocus rates FRA:UBK with a GF Score™ of 58/100 and a GF Value™ of €8.52 (Possible Value Trap). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

FRA:UBK
58GF Score
UmweltBank AG FRA:UBK
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
UmweltBank AG (FRA:UBK) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on UmweltBank AG and its competitors.
Is UmweltBank AG's ROC % too high?
UmweltBank AG's current ROC % is %. Overall, UmweltBank AG has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does UmweltBank AG's ROC % compare to PNC and USB?
UmweltBank AG's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on UmweltBank AG and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UmweltBank AG's current ROC % 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 Possible Value Trap. The stock's GF Value™ is €8.52, compared to a current price of €3.82 — trading 55.2% below its estimated fair value. The current ROC % is %. UmweltBank AG's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For UmweltBank AG (FRA:UBK), the current ROC % 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 undervalued. The current stock price of €3.82 is trading 55.2% below its estimated GF Value™ of €8.52. GuruFocus considers UmweltBank AG to be Possible Value Trap.

Key valuation signals for FRA:UBK:

  • ROC %: %
  • GF Value™: €8.52 vs. price of €3.82 (55.2% below fair value)
  • GF Score™: 58/100 with 5 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 % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.82
Price
€8.52
GF Value