United Bankers
17.9 EUR -0.28%United Bankers operates in the financial industry. The bank offers a wide range of financial services in asset and fund management, as well as structured investment and corporate loans. The advice covers a large part of the major financial markets on a global level and includes both listed and unlisted companies, as well as a selection of listed funds and derivatives. The bank was founded in 1986 and is headquartered in Helsinki.
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![Kasper Mellas Kasper Mellas](https://www.inderes.se/cdn-cgi/image/format=auto,width=128,height=128,quality=90,fit=cover/https://core.inderes.fi/sites/default/files/2023-08/Kasper_Mellas.jpg)
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Financial calendar
Major OwnersSource: Millistream Market Data AB
Owner | Capital | Votes |
---|---|---|
OY Castor - Invest | 11.3 % | 11.3 % |
Amos Partners - Antti Asunmaa | 10.2 % | 10.2 % |
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Insider Transactions
Insider | Date | Total value |
---|---|---|
Inka Noramaa | 27.05.2024 | 29,307EUR |
Aki Ruohola | 27.05.2024 | 15,280EUR |
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Income statement
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Revenue | 34.4 | 43.8 | 48.6 | 52.2 | 60.6 | 59.1 | 62.6 | 66.5 |
growth-% | 5.7 % | 27.5 % | 10.9 % | 7.5 % | 16.2 % | -2.5 % | 5.9 % | 6.2 % |
EBITDA | 10.1 | 15.9 | 18.4 | 19.2 | 25.0 | 21.6 | 23.0 | 24.6 |
EBIT (adj.) | 8.6 | 14.4 | 16.5 | 16.9 | 22.6 | 19.1 | 20.3 | 21.8 |
EBIT | 8.4 | 14.3 | 16.5 | 17.0 | 22.6 | 19.1 | 20.3 | 21.8 |
Profit before taxes | 8.4 | 14.3 | 16.5 | 17.0 | 22.6 | 19.1 | 20.3 | 21.8 |
Net income | 6.2 | 10.3 | 12.5 | 13.3 | 16.9 | 14.2 | 15.2 | 16.4 |
EPS (adj.) | 0.62 | 1.01 | 1.18 | 1.22 | 1.57 | 1.30 | 1.39 | 1.49 |
growth-% | 23.6 % | 62.2 % | 17.4 % | 3.6 % | 27.9 % | -16.8 % | 6.6 % | 7.3 % |
Dividend | 0.51 | 0.80 | 0.90 | 1.00 | 1.10 | 1.15 | 1.20 | 1.25 |
Dividend ratio | 85.4 % | 80.3 % | 76.4 % | 81.1 % | 70.3 % | 88.3 % | 86.4 % | 83.9 % |
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Profitability and return on capital
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
EBITDA-% | 29.3 % | 36.3 % | 37.9 % | 36.7 % | 41.2 % | 36.5 % | 36.7 % | 37.1 % |
EBIT-% (adj.) | 25.0 % | 33.0 % | 34.0 % | 32.3 % | 37.3 % | 32.3 % | 32.5 % | 32.8 % |
EBIT-% | 24.3 % | 32.7 % | 34.0 % | 32.5 % | 37.3 % | 32.3 % | 32.5 % | 32.8 % |
ROE | 16.4 % | 25.1 % | 27.5 % | 26.9 % | 31.3 % | 24.2 % | 24.9 % | 25.6 % |
ROI | 20.6 % | 32.8 % | 35.0 % | 34.1 % | 41.0 % | 31.7 % | 32.0 % | 32.4 % |
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Valuation
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Share price (EUR) | 10.70 | 14.20 | 13.60 | 14.40 | 17.90 | 17.90 | 17.90 | 17.90 |
Shares | 10.4 | 10.4 | 10.6 | 10.8 | 10.8 | 10.9 | 10.9 | 11.0 |
Market cap | 111.7 | 147.5 | 144.5 | 155.1 | 193.7 | 194.6 | 195.5 | 196.4 |
Enterprise value | 102.4 | 135.2 | 135.9 | 146.6 | 173.3 | 167.1 | 164.7 | 161.8 |
EV/S | 3.0 | 3.1 | 2.8 | 2.8 | 2.9 | 2.8 | 2.6 | 2.4 |
EV/EBITDA | 10.2 | 8.5 | 7.4 | 7.6 | 6.9 | 7.7 | 7.2 | 6.6 |
EV/EBIT (adj.) | 11.9 | 9.4 | 8.2 | 8.7 | 7.7 | 8.8 | 8.1 | 7.4 |
EV/EBIT | 12.3 | 9.4 | 8.2 | 8.6 | 7.7 | 8.8 | 8.1 | 7.4 |
P/E (adj.) | 17.3 | 14.1 | 11.5 | 11.8 | 11.4 | 13.7 | 12.9 | 12.0 |
P/E | 17.9 | 14.3 | 11.5 | 11.7 | 11.4 | 13.7 | 12.9 | 12.0 |
P/B | 2.9 | 3.4 | 3.0 | 3.0 | 3.4 | 3.3 | 3.1 | 3.0 |
P/S | 3.3 | 3.4 | 3.0 | 3.0 | 3.2 | 3.3 | 3.1 | 3.0 |
Dividend yield | 4.8 % | 5.6 % | 6.6 % | 6.9 % | 6.2 % | 6.4 % | 6.7 % | 7.0 % |
Equity ratio | 66.8 % | 56.7 % | 67.1 % | 67.8 % | 69.6 % | 70.9 % | 71.6 % | 72.4 % |
Gearing ratio | -24.7 % | -29.5 % | -19.8 % | -18.1 % | -36.3 % | -46.0 % | -48.4 % | -51.0 % |
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Quarter data
Q1/23 | Q2/23 | Q3/23 | Q4/23 | 2023 | Q1/24e | Q2/24e | Q3/24e | Q4/24e | |
---|---|---|---|---|---|---|---|---|---|
Revenue | 24.7 | 27.5 | 52.2 | 32.0 | 28.6 | ||||
EBITDA | 8.0 | 11.2 | 19.2 | 13.7 | 11.3 | ||||
EBIT | 7.0 | 10.0 | 17.0 | 12.5 | 10.1 | ||||
Profit before taxes | 7.0 | 10.0 | 17.0 | 12.5 | 10.1 | ||||
Net income | 5.4 | 7.9 | 13.3 | 9.6 | 7.4 |
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United Bankers extensive report: Growth from real asset funds
United Bankers Oyj: UNITED BANKERS PLC: ACQUISITION OF OWN SHARES 25.06.2024
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