United Bankers
16.9 EUR -0.59%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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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 |
---|---|---|
Rainer Häggblom | 03.10.2023 | 108,000EUR |
Rasmus Finnilä | 03.10.2023 | 297,000EUR |
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Income statement
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Revenue | 34.4 | 43.8 | 48.6 | 52.2 | 61.4 | 59.8 | 63.8 | 69.3 |
growth-% | 5.7 % | 27.5 % | 10.9 % | 7.5 % | 17.7 % | -2.7 % | 6.8 % | 8.6 % |
EBITDA | 10.1 | 15.9 | 18.4 | 19.2 | 25.7 | 22.2 | 24.1 | 27.2 |
EBIT (adj.) | 8.6 | 14.4 | 16.5 | 16.9 | 23.3 | 19.7 | 21.5 | 24.4 |
EBIT | 8.4 | 14.3 | 16.5 | 17.0 | 23.3 | 19.7 | 21.5 | 24.4 |
Profit before taxes | 8.4 | 14.3 | 16.5 | 17.0 | 23.3 | 19.7 | 21.5 | 24.4 |
Net income | 6.2 | 10.3 | 12.5 | 13.3 | 17.5 | 14.6 | 16.1 | 18.4 |
EPS (adj.) | 0.62 | 1.01 | 1.18 | 1.22 | 1.62 | 1.35 | 1.47 | 1.68 |
growth-% | 23.6 % | 62.2 % | 17.4 % | 3.6 % | 32.3 % | -16.8 % | 9.2 % | 14.1 % |
Dividend | 0.51 | 0.80 | 0.90 | 1.00 | 1.10 | 1.20 | 1.30 | 1.40 |
Dividend ratio | 85.4 % | 80.3 % | 76.4 % | 81.1 % | 67.9 % | 89.1 % | 88.4 % | 83.4 % |
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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 % | 41.9 % | 37.1 % | 37.8 % | 39.3 % |
EBIT-% (adj.) | 25.0 % | 33.0 % | 34.0 % | 32.3 % | 38.0 % | 32.9 % | 33.6 % | 35.3 % |
EBIT-% | 24.3 % | 32.7 % | 34.0 % | 32.5 % | 38.0 % | 32.9 % | 33.6 % | 35.3 % |
ROE | 16.4 % | 25.1 % | 27.5 % | 26.9 % | 32.2 % | 24.7 % | 25.9 % | 28.0 % |
ROI | 20.6 % | 32.8 % | 35.0 % | 34.1 % | 42.1 % | 32.2 % | 33.1 % | 35.3 % |
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Valuation
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Share price (EUR) | 10.70 | 14.20 | 13.60 | 14.40 | 16.90 | 16.90 | 16.90 | 16.90 |
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 | 182.9 | 183.8 | 184.6 | 185.4 |
Enterprise value | 102.4 | 135.2 | 135.9 | 146.6 | 161.8 | 155.1 | 152.3 | 148.1 |
EV/S | 3.0 | 3.1 | 2.8 | 2.8 | 2.6 | 2.6 | 2.4 | 2.1 |
EV/EBITDA | 10.2 | 8.5 | 7.4 | 7.6 | 6.3 | 7.0 | 6.3 | 5.4 |
EV/EBIT (adj.) | 11.9 | 9.4 | 8.2 | 8.7 | 6.9 | 7.9 | 7.1 | 6.1 |
EV/EBIT | 12.3 | 9.4 | 8.2 | 8.6 | 6.9 | 7.9 | 7.1 | 6.1 |
P/E (adj.) | 17.3 | 14.1 | 11.5 | 11.8 | 10.4 | 12.6 | 11.5 | 10.1 |
P/E | 17.9 | 14.3 | 11.5 | 11.7 | 10.4 | 12.6 | 11.5 | 10.1 |
P/B | 2.9 | 3.4 | 3.0 | 3.0 | 3.2 | 3.0 | 2.9 | 2.7 |
P/S | 3.3 | 3.4 | 3.0 | 3.0 | 3.0 | 3.1 | 2.9 | 2.7 |
Dividend yield | 4.8 % | 5.6 % | 6.6 % | 6.9 % | 6.5 % | 7.1 % | 7.7 % | 8.3 % |
Equity ratio | 66.8 % | 56.7 % | 67.1 % | 67.8 % | 69.7 % | 71.2 % | 71.9 % | 72.8 % |
Gearing ratio | -24.7 % | -29.5 % | -19.8 % | -18.1 % | -37.1 % | -47.0 % | -49.7 % | -53.1 % |
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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 | 34.4 | 27.0 | ||||
EBITDA | 8.0 | 11.2 | 19.2 | 15.9 | 9.9 | ||||
EBIT | 7.0 | 10.0 | 17.0 | 14.7 | 8.7 | ||||
Profit before taxes | 7.0 | 10.0 | 17.0 | 14.7 | 8.7 | ||||
Net income | 5.4 | 7.9 | 13.3 | 11.3 | 6.2 |
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United Bankers Oyj: UNITED BANKERS PLC: ACQUISITION OF OWN SHARES 26.03.2024
United Bankers Oyj: UNITED BANKERS PLC: ACQUISITION OF OWN SHARES 25.03.2024
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