United Bankers Oyj (HEL:UNITED)

United Bankers Oyj Statistics

Total Valuation

HEL:UNITED has a market cap or net worth of EUR 202.79 million.

Market Cap	202.79M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, August 21, 2025.

Earnings Date	Aug 21, 2025
Ex-Dividend Date	Sep 25, 2025

Share Statistics

HEL:UNITED has 10.90 million shares outstanding. The number of shares has increased by 0.84% in one year.

Current Share Class	10.90M
Shares Outstanding	10.90M
Shares Change (YoY)	+0.84%
Shares Change (QoQ)	-0.08%
Owned by Insiders (%)	20.23%
Owned by Institutions (%)	11.19%
Float	4.20M

Valuation Ratios

The trailing PE ratio is 14.09 and the forward PE ratio is 14.65.

PE Ratio	14.09
Forward PE	14.65
PS Ratio	3.55
PB Ratio	3.61
P/TBV Ratio	5.93
P/FCF Ratio	20.30
P/OCF Ratio	17.92
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 0.73

Current Ratio	0.73
Quick Ratio	0.73
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 27.04%.

Return on Equity (ROE)	27.04%
Return on Assets (ROA)	16.71%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	343,837
Profits Per Employee	87,771
Employee Count	172
Asset Turnover	0.64
Inventory Turnover	n/a

Taxes

In the past 12 months, HEL:UNITED has paid 3.77 million in taxes.

Income Tax	3.77M
Effective Tax Rate	20.21%

Stock Price Statistics

The stock price has decreased by -6.75% in the last 52 weeks. The beta is 0.44, so HEL:UNITED's price volatility has been lower than the market average.

Beta (5Y)	0.44
52-Week Price Change	-6.75%
50-Day Moving Average	17.70
200-Day Moving Average	17.52
Relative Strength Index (RSI)	56.45
Average Volume (20 Days)	2,481

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, HEL:UNITED had revenue of EUR 57.08 million and earned 14.57 million in profits. Earnings per share was 1.32.

Revenue	57.08M
Gross Profit	51.84M
Operating Income	18.67M
Pretax Income	18.67M
Net Income	14.57M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.32

Balance Sheet

Cash & Cash Equivalents	n/a
Total Debt	n/a
Net Cash	n/a
Net Cash Per Share	n/a
Equity (Book Value)	56.22M
Book Value Per Share	5.12
Working Capital	-3.71M

Cash Flow

In the last 12 months, operating cash flow was 11.32 million and capital expenditures -1.33 million, giving a free cash flow of 9.99 million.

Operating Cash Flow	11.32M
Capital Expenditures	-1.33M
Free Cash Flow	9.99M
FCF Per Share	0.92

Margins

Gross margin is 90.82%, with operating and profit margins of 32.71% and 25.53%.

Gross Margin	90.82%
Operating Margin	32.71%
Pretax Margin	32.72%
Profit Margin	25.53%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	17.50%

Dividends & Yields

This stock pays an annual dividend of 1.10, which amounts to a dividend yield of 5.91%.

Dividend Per Share	1.10
Dividend Yield	5.91%
Dividend Growth (YoY)	10.00%
Years of Dividend Growth	5
Payout Ratio	78.85%
Buyback Yield	-0.84%
Shareholder Yield	4.86%
Earnings Yield	7.18%
FCF Yield	4.93%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 23, 2018. It was a forward split with a ratio of 5.

Last Split Date	Mar 23, 2018
Split Type	Forward
Split Ratio	5

Scores

Altman Z-Score	n/a
Piotroski F-Score	3