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
 07:28:09 2024-04-30 am EDT 		5-day change 1st Jan Change
17 EUR -1.73% Intraday chart for United Bankers Oyj +1.19% +18.06%
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
Mar. 22 United Bankers plc Approves Dividend for the Year 2023, Payable on April 4, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 91.55 111.3 147.5 150 154.9 183.1 - -
Enterprise Value (EV) 1 94.36 111.3 147.5 150 145.5 161.1 153.6 183.1
P/E ratio 20.5 x - - 11.7 x 11.7 x 10.5 x 12.6 x 11.6 x
Yield 4.89% 4.77% 4.93% 6.62% 6.94% 6.47% 7.06% 7.65%
Capitalization / Revenue 2.82 x 3.24 x 3.36 x 3.09 x 2.97 x 2.98 x 3.06 x 2.87 x
EV / Revenue 2.91 x 3.24 x 3.36 x 3.09 x 2.79 x 2.62 x 2.57 x 2.87 x
EV / EBITDA 12.3 x - - 8.11 x 7.61 x 6.27 x 6.92 x 7.6 x
EV / FCF 16.1 x 14.4 x 12.7 x 19 x 15 x 6.88 x 7.87 x 11 x
FCF Yield 6.21% 6.94% 7.86% 5.25% 6.68% 14.5% 12.7% 9.12%
Price to Book 2.47 x - - 3.01 x 3.03 x 3.18 x 3.05 x -
Nbr of stocks (in thousands) 10,404 10,402 10,384 11,028 10,754 10,768 - -
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 61.4 59.8 63.8
EBITDA 1 7.674 - - 18.5 19.13 25.7 22.2 24.1
EBIT 1 5.929 8.627 14.42 16.68 16.92 23.3 19.7 21.5
Operating Margin 18.26% 25.11% 32.9% 34.34% 32.45% 37.95% 32.94% 33.7%
Earnings before Tax (EBT) 1 5.929 - - 16.51 16.97 23.3 19.7 21.5
Net income 1 4.421 - - 12.87 13.84 17.5 14.6 16.1
Net margin 13.61% - - 26.5% 26.54% 28.5% 24.41% 25.24%
EPS 2 0.4300 - - 1.160 1.230 1.620 1.350 1.470
Free Cash Flow 1 5.858 7.725 11.59 7.876 9.725 23.4 19.5 16.7
FCF margin 18.04% 22.48% 26.45% 16.22% 18.65% 38.11% 32.61% 26.18%
FCF Conversion (EBITDA) 76.34% - - 42.57% 50.83% 91.05% 87.84% 69.29%
FCF Conversion (Net income) 132.5% - - 61.19% 70.28% 133.71% 133.56% 103.73%
Dividend per Share 2 0.4300 0.5100 0.7000 0.9000 1.000 1.100 1.200 1.300
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 34.4 27
EBITDA 1 4.791 6.368 - - 8.392 10.11 - 11.08 15.9 9.9
EBIT 1 3.83 5.505 3.123 8.032 7.543 9.133 7.001 9.922 14.7 8.7
Operating Margin 21.49% 30.81% 18.94% 35.25% 32.29% 36.23% 28.31% 36.2% 42.73% 32.22%
Earnings before Tax (EBT) 1 3.83 - - - 7.434 9.072 - 9.969 14.7 8.7
Net income 1 2.788 - - - 5.763 7.108 - 8.391 11.3 6.2
Net margin 15.64% - - - 24.67% 28.2% - 30.61% 32.85% 22.96%
EPS 2 0.2700 - - - 0.5200 0.6400 - 0.7300 1.040 0.5800
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 22 29.5 -
Leverage (Debt/EBITDA) 0.3658 x - - - - - - -
Free Cash Flow 1 5.86 7.73 11.6 7.88 9.73 23.4 19.5 16.7
ROE (net income / shareholders' equity) 13.1% - - 28.2% 27.8% 32.2% 24.7% -
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share 2 3.560 - - 4.520 4.750 5.350 5.570 -
Cash Flow per Share 2 0.6500 0.8400 1.240 0.9500 1.200 2.470 2.100 -
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% 5.37% 5.69% 5.33%
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
OUTPERFORM
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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