United Bankers Oyj (HEL:UNITED)

United Bankers Oyj Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Trading Asset Securities	-	23.65	24.61	9.46	9.86	9.46
Accounts Receivable	-	17.77	5.73	7.15	6.93	14.49
Other Receivables	13.4	10.37	15.88	11.24	10.93	15.24
Property, Plant & Equipment	3.37	3.74	2.06	2.9	2.67	3.1
Goodwill	26.81	15.59	15.59	15.59	15.59	15.59
Other Intangible Assets	9.42	5.35	6.58	6.1	5.1	4.28
Investments in Debt & Equity Securities	19.63	-	-	-	-	-
Long-Term Deferred Tax Assets	0	0.01	0	0	0	0
Other Long-Term Assets	39.87	22.1	18.03	23.68	20.48	16.01
Total Assets	112.51	98.59	88.48	76.12	71.57	78.16

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	18.13	5.75	7.15	6.96	14.51
Accrued Expenses	15.14	10.56	15.97	10.24	9.64	10.26
Short-Term Debt	1.62	-	-	-	-	-
Current Portion of Long-Term Debt	-	-	-	-	-	2
Current Portion of Leases	-	0.59	0.63	0.61	0.54	0.52
Long-Term Debt	10	-	-	-	-	-
Long-Term Leases	-	2.61	0.65	1.28	1.71	2.25
Long-Term Deferred Tax Liabilities	3.26	2.32	1.81	3.02	2.49	1.35
Other Long-Term Liabilities	23.29	2.21	2.1	2.01	2.01	2.71
Total Liabilities	53.31	36.88	26.98	24.55	23.51	33.83

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	5.46	5.46	5.46	5.46	5.46	5.46
Retained Earnings	28.83	35.52	35.33	22.76	17.63	16.67
Comprehensive Income & Other	24.62	20.39	20.39	22.9	24.61	21.37
Total Common Equity	58.91	61.38	61.18	51.13	47.7	43.51
Minority Interest	0.29	0.33	0.32	0.45	0.36	0.83
Shareholders' Equity	59.2	61.71	61.5	51.57	48.06	44.34
Total Liabilities & Equity	112.51	98.59	88.48	76.12	71.57	78.16

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	11.62	3.2	1.28	1.9	2.25	4.77
Net Cash (Debt)	-11.62	20.46	23.33	7.56	7.62	4.69
Net Cash Growth	-	-12.30%	208.41%	-0.72%	62.40%	-16.83%
Net Cash Per Share	-1.05	1.87	2.12	0.70	0.71	0.45
Filing Date Shares Outstanding	11.12	10.89	10.93	10.75	10.63	10.38
Total Common Shares Outstanding	11.06	10.89	10.93	10.75	10.63	10.38
Working Capital	-3.36	22.05	23.8	9.61	10.42	11.66
Book Value Per Share	5.33	5.64	5.60	4.75	4.49	4.19
Tangible Book Value	22.68	40.44	39.01	29.43	27	23.63
Tangible Book Value Per Share	2.05	3.71	3.57	2.74	2.54	2.28

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Aug 31, 2026

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