Stock UNITED UNITED BANKERS OYJ
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Financials United Bankers Oyj

Equities

UNITED

FI4000081427

Diversified Investment Services

Market Closed - Nasdaq Helsinki
Other stock markets
 12:00:00 2024-07-05 pm EDT 		5-day change 1st Jan Change
17.25 EUR +1.47% Intraday chart for United Bankers Oyj -3.63% +19.79%
Jun. 20 United Bankers Fund, Altana to Invest in Finnish Technology Group Nordtreat MT
Mar. 25 United Bankers Oyj commences an Equity Buyback Plan for 150,000 shares, representing 1.39% of its issued share capital, under the authorization approved on March 22, 2024. CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 91.55 111.3 147.5 150 154.9 186.2 - -
Enterprise Value (EV) 1 94.36 111.3 147.5 150 145.5 164.9 157.8 186.2
P/E ratio 20.5 x - - 11.7 x 11.7 x 10.8 x 13.1 x 12.2 x
Yield 4.89% 4.77% 4.93% 6.62% 6.94% 6.47% 6.76% 7.06%
Capitalization / Revenue 2.82 x 3.24 x 3.36 x 3.09 x 2.97 x 3.07 x 3.15 x 2.97 x
EV / Revenue 2.91 x 3.24 x 3.36 x 3.09 x 2.79 x 2.72 x 2.67 x 2.97 x
EV / EBITDA 12.3 x - - 8.11 x 7.61 x 6.6 x 7.31 x 8.1 x
EV / FCF 16.1 x 14.4 x 12.7 x 19 x 15 x 7.26 x 8.31 x 11.9 x
FCF Yield 6.21% 6.94% 7.86% 5.25% 6.68% 13.8% 12% 8.43%
Price to Book 2.47 x - - 3.01 x 3.03 x 3.21 x 3.1 x -
Nbr of stocks (in thousands) 10,404 10,402 10,384 11,028 10,754 10,953 - -
Reference price 2 8.800 10.70 14.20 13.60 14.40 17.00 17.00 17.00
Announcement Date 3/2/20 2/19/21 2/18/22 2/17/23 2/16/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 32.48 34.36 43.83 48.56 52.14 60.6 59.1 62.6
EBITDA 1 7.674 - - 18.5 19.13 25 21.6 23
EBIT 1 5.929 8.627 14.42 16.68 16.92 22.6 19.1 20.3
Operating Margin 18.26% 25.11% 32.9% 34.34% 32.45% 37.29% 32.32% 32.43%
Earnings before Tax (EBT) 1 5.929 - - 16.51 16.97 22.6 19.1 20.3
Net income 1 4.421 - - 12.87 13.84 16.9 14.2 15.2
Net margin 13.61% - - 26.5% 26.54% 27.89% 24.03% 24.28%
EPS 2 0.4300 - - 1.160 1.230 1.570 1.300 1.390
Free Cash Flow 1 5.858 7.725 11.59 7.876 9.725 22.7 19 15.7
FCF margin 18.04% 22.48% 26.45% 16.22% 18.65% 37.46% 32.15% 25.08%
FCF Conversion (EBITDA) 76.34% - - 42.57% 50.83% 90.8% 87.96% 68.26%
FCF Conversion (Net income) 132.5% - - 61.19% 70.28% 134.32% 133.8% 103.29%
Dividend per Share 2 0.4300 0.5100 0.7000 0.9000 1.000 1.100 1.150 1.200
Announcement Date 3/2/20 2/19/21 2/18/22 2/17/23 2/16/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2
Net sales 1 17.83 17.87 16.49 22.78 23.36 25.2 24.73 27.41 32 28.6
EBITDA 1 4.791 6.368 - - 8.392 10.11 - 11.08 13.7 11.3
EBIT 1 3.83 5.505 3.123 8.032 7.543 9.133 7.001 9.922 12.5 10.1
Operating Margin 21.49% 30.81% 18.94% 35.25% 32.29% 36.23% 28.31% 36.2% 39.06% 35.31%
Earnings before Tax (EBT) 1 3.83 - - - 7.434 9.072 - 9.969 12.5 10.1
Net income 1 2.788 - - - 5.763 7.108 - 8.391 9.6 7.4
Net margin 15.64% - - - 24.67% 28.2% - 30.61% 30% 25.87%
EPS 2 0.2700 - - - 0.5200 0.6400 - 0.7300 0.8800 0.6800
Dividend per Share - - 0.5100 0.7000 - - - - - -
Announcement Date 3/2/20 8/26/20 2/19/21 2/18/22 8/26/22 2/17/23 8/25/23 2/16/24 - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 2.81 - - - - - - -
Net Cash position 1 - - - - 9.36 21.3 28.4 -
Leverage (Debt/EBITDA) 0.3658 x - - - - - - -
Free Cash Flow 1 5.86 7.73 11.6 7.88 9.73 22.7 19 15.7
ROE (net income / shareholders' equity) 13.1% - - 28.2% 27.8% 31.3% 24.2% -
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share 2 3.560 - - 4.520 4.750 5.290 5.480 -
Cash Flow per Share 2 0.6500 0.8400 1.240 0.9500 1.200 2.400 2.060 -
Capex 1 0.74 1.13 - 2.32 3.25 3.3 3.4 3.4
Capex / Sales 2.29% 3.28% - 4.78% 6.22% 5.45% 5.75% 5.43%
Announcement Date 3/2/20 2/19/21 2/18/22 2/17/23 2/16/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for United Bankers Oyj

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
UNDERPERFORM
Number of Analysts
1
Last Close Price
17 EUR
Average target price
19 EUR
Spread / Average Target
+11.76%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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