United Bankers Oyj (HEL:UNITED)

United Bankers Oyj Statistics

Total Valuation

HEL:UNITED has a market cap or net worth of EUR 207.37 million.

Market Cap	207.37M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, February 12, 2026.

Earnings Date	Feb 12, 2026
Ex-Dividend Date	Mar 23, 2026

Share Statistics

HEL:UNITED has 10.89 million shares outstanding. The number of shares has decreased by -0.17% in one year.

Current Share Class	10.89M
Shares Outstanding	10.89M
Shares Change (YoY)	-0.17%
Shares Change (QoQ)	-0.17%
Owned by Insiders (%)	15.37%
Owned by Institutions (%)	10.27%
Float	5.79M

Valuation Ratios

The trailing PE ratio is 16.14 and the forward PE ratio is 16.01.

PE Ratio	16.14
Forward PE	16.01
PS Ratio	3.67
PB Ratio	3.36
P/TBV Ratio	5.13
P/FCF Ratio	32.81
P/OCF Ratio	28.38
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 1.74, with a Debt / Equity ratio of 0.05.

Current Ratio	1.74
Quick Ratio	1.74
Debt / Equity	0.05
Debt / EBITDA	n/a
Debt / FCF	0.51
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 21.30% and return on invested capital (ROIC) is 21.27%.

Return on Equity (ROE)	21.30%
Return on Assets (ROA)	14.03%
Return on Invested Capital (ROIC)	21.27%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.51%
Revenue Per Employee	362,218
Profits Per Employee	82,891
Employee Count	156
Asset Turnover	0.60
Inventory Turnover	n/a

Taxes

In the past 12 months, HEL:UNITED has paid 3.52 million in taxes.

Income Tax	3.52M
Effective Tax Rate	21.13%

Stock Price Statistics

The stock price has increased by +6.70% in the last 52 weeks. The beta is 0.43, so HEL:UNITED's price volatility has been lower than the market average.

Beta (5Y)	0.43
52-Week Price Change	+6.70%
50-Day Moving Average	18.90
200-Day Moving Average	18.13
Relative Strength Index (RSI)	52.93
Average Volume (20 Days)	2,272

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 56.51 million and earned 12.93 million in profits. Earnings per share was 1.18.

Revenue	56.51M
Gross Profit	51.30M
Operating Income	16.64M
Pretax Income	16.64M
Net Income	12.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.18

Balance Sheet

The company has 23.65 million in cash and 3.20 million in debt, with a net cash position of 20.46 million or 1.88 per share.

Cash & Cash Equivalents	23.65M
Total Debt	3.20M
Net Cash	20.46M
Net Cash Per Share	1.88
Equity (Book Value)	61.71M
Book Value Per Share	5.64
Working Capital	22.05M

Cash Flow

In the last 12 months, operating cash flow was 7.31 million and capital expenditures -986,000, giving a free cash flow of 6.32 million.

Operating Cash Flow	7.31M
Capital Expenditures	-986,000
Free Cash Flow	6.32M
FCF Per Share	0.58

Margins

Gross margin is 90.78%, with operating and profit margins of 29.45% and 22.88%.

Gross Margin	90.78%
Operating Margin	29.45%
Pretax Margin	29.45%
Profit Margin	22.88%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	11.19%

Dividends & Yields

This stock pays an annual dividend of 1.16, which amounts to a dividend yield of 6.09%.

Dividend Per Share	1.16
Dividend Yield	6.09%
Dividend Growth (YoY)	7.62%
Years of Dividend Growth	6
Payout Ratio	92.88%
Buyback Yield	0.17%
Shareholder Yield	6.18%
Earnings Yield	6.24%
FCF Yield	3.05%

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	4