A Business at a Glance
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| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 67M | 67M | 57M | 51M | 52M | 39M |
| Net Income | 19M | 19M | 14M | 14M | 13M | 7.5M |
| EPS | $1.77 | $1.77 | $1.34 | $1.22 | $1.16 | $0.68 |
| Free Cash Flow | 34M | 34M | 14M | 11M | 15M | 10M |
| ROIC | 39.8% | 40.5% | 33.6% | 34.6% | 38.5% | 23.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | - | - | - | - | - |
| Dividends/Share | $1.08 | $1.08 | $0.98 | $0.81 | $0.56 | $0.47 |
| Operating Income | 26M | 26M | 19M | 18M | 17M | 9.7M |
| Operating Margin | 39.3% | - | - | - | - | - |
| ROE | 29.3% | 29.3% | 25.8% | 26.8% | 25.3% | 16.7% |
| Shares Outstanding | 11M | 11M | 11M | 11M | 11M | 11M |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | 36M | 39M | 52M | 51M | 57M | 67M | 67M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 6.8M | 9.7M | 17M | 18M | 19M | 26M | 26M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | N/A | 39.3% |
| Net Income | 4.9M | 7.5M | 13M | 14M | 14M | 19M | 19M |
| Net Margin | 13.6% | 19.0% | 25.6% | 26.5% | 25.5% | 29.0% | 29.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||
| ROIC | 19.4% | 23.4% | 38.5% | 34.6% | 33.6% | 40.5% | 39.8% |
| ROE | 11.9% | 16.7% | 25.3% | 26.8% | 25.8% | 29.3% | 29.3% |
| ROA | 7.1% | 11.2% | 14.3% | 18.0% | 17.5% | 20.4% | 20.4% |
| Cash Flow | |||||||
| Op. Cash Flow | 7.4M | 10M | 15M | 11M | 14M | 34M | 34M |
| Free Cash Flow | 7.4M | 10M | 15M | 11M | 14M | 34M | 34M |
| Owner Earnings | 5.4M | 8.2M | 13M | 8.7M | 12M | 31M | 31M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 2.0M | 1.9M | 2.3M | 2.0M | 2.4M | 3.0M | 3.0M |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 2.0M | 1.9M | 2.3M | 2.0M | 2.4M | 3.0M | 3.0M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||
| Dividends Paid | 4.4M | 5.2M | 6.3M | 8.8M | 11M | 12M | 12M |
| Dividend Yield | 5.0% | 4.7% | 3.6% | 5.6% | 6.4% | 5.7% | 5.7% |
| Share Buybacks | 191K | 498K | 584K | 355K | 320K | 622K | 622K |
| Buyback Yield | 0.2% | 0.4% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 2.4M | 997K | 1.3M | 2.1M | 876K | 0 | 0 |
| Balance Sheet | |||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | -14M |
| Cash & Equiv. | 14M | 12M | 17M | 10M | 10M | 14M | 14M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Interest Coverage | 44.6 | 61.9 | 106.3 | 98.1 | 13.5 | 17.1 | 17.1 |
| Equity | 41M | 45M | 52M | 51M | 56M | 66M | 66M |
| Total Assets | 70M | 67M | 92M | 75M | 83M | 96M | 96M |
| Total Liabilities | 28M | 22M | 40M | 25M | 27M | 29M | 29M |
| Intangibles | 18M | 18M | 18M | 16M | 17M | 17M | 17M |
| Retained Earnings | 12M | 14M | 20M | 19M | 25M | 38M | 38M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Per Share Data | |||||||
| EPS | 0.48 | 0.68 | 1.16 | 1.22 | 1.34 | 1.77 | 1.77 |
| Owner EPS | 0.54 | 0.76 | 1.17 | 0.81 | 1.09 | 2.82 | 2.82 |
| Book Value | 4.13 | 4.13 | 4.67 | 4.68 | 5.22 | 6.11 | 6.11 |
| Cash Flow/Share | 0.69 | 0.87 | 1.38 | 1.44 | 1.57 | 2.07 | 2.07 |
| Dividends/Share | 0.44 | 0.47 | 0.56 | 0.81 | 0.98 | 1.08 | 1.08 |
| Shares Out. | 10.0M | 10.9M | 11.2M | 10.8M | 10.7M | 10.9M | 10.9M |
| Valuation | |||||||
| P/E Ratio | 20.8 | 18.2 | 13.2 | 12.0 | 11.9 | 10.8 | 10.6 |
| P/FCF | 13.6 | 13.2 | 11.1 | 14.8 | 12.1 | 6.2 | 6.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | 7.2 |
| Price/Book | 2.4 | 3.0 | 3.3 | 3.1 | 3.0 | 3.1 | 3.1 |
| Price/Sales | 2.8 | 3.4 | 3.3 | 3.1 | 3.0 | 3.1 | 3.0 |
| FCF Yield | 7.3% | 7.6% | 9.0% | 6.8% | 8.3% | 16.1% | 16.4% |
| Market Cap | 101M | 134M | 171M | 159M | 171M | 209M | 204M |
| Avg. Price | 8.88 | 10.01 | 15.74 | 14.34 | 15.38 | 18.88 | 18.80 |
| Year-End Price | 10.03 | 12.30 | 15.29 | 14.70 | 15.92 | 19.20 | 18.80 |
United Bankers Oyj passes 6 of 9 quality checks, suggesting mixed fundamentals.
United Bankers Oyj trades at 10.6x trailing earnings, compared to its 15-year median P/E of 12.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 6.1x vs a median of 12.6x. The company's 5-year average ROIC is 34.1%. Total shareholder yield (dividends + buybacks) is 6.0%. At current prices, the estimated annualized return to fair value is +22.2%.
United Bankers Oyj (UNITED-HE) has a current P/E ratio of 10.6, compared to its historical median P/E of 12.6. The stock is currently considered Fair based on its historical valuation range.
United Bankers Oyj (UNITED-HE) has a 5-year average return on invested capital (ROIC) of 34.1%. This indicates strong capital allocation and a potential competitive advantage.
United Bankers Oyj (UNITED-HE) has a market capitalization of $204M. It is classified as a small-cap stock.
Yes, United Bankers Oyj (UNITED-HE) pays a dividend with a trailing twelve-month yield of 5.74%. The company also returns capital through share buybacks, with a buyback yield of 0.30%.
Based on historical P/E analysis, United Bankers Oyj (UNITED-HE) appears fair. The current P/E of 10.6 is 16% below its historical median of 12.6. The estimated fair value CAGR (P/E method) is 24.0%.
United Bankers Oyj (UNITED-HE) reported annual revenue of $67 million in its most recent fiscal year, based on SEC EDGAR filings.
United Bankers Oyj (UNITED-HE) has a net profit margin of 29.0%. This is a strong margin indicating high profitability.
United Bankers Oyj (UNITED-HE) generated $34 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
United Bankers Oyj (UNITED-HE) reported earnings per share (EPS) of $1.77 in its most recent fiscal year.
United Bankers Oyj (UNITED-HE) has a return on equity (ROE) of 29.3%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 6 years of financial data for United Bankers Oyj (UNITED-HE), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
United Bankers Oyj (UNITED-HE) has a book value per share of $6.11, based on its most recent annual SEC filing.
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