Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-2.89%
0%
-2.89%
6 Months
-0.27%
0%
-0.27%
1 Year
6.02%
0%
6.02%
2 Years
8.82%
0%
8.82%
3 Years
29.82%
0%
29.82%
4 Years
38.58%
0%
38.58%
5 Years
50.41%
0%
50.41%
United Bankers Oyj for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
10.70%
EBIT Growth (5y)
14.10%
EBIT to Interest (avg)
15.98
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
21.14%
Dividend Payout Ratio
95.37%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
32.27%
ROE (avg)
25.45%
Valuation key factors
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
3.55
EV to EBIT
13.04
EV to EBITDA
11.01
EV to Capital Employed
3.55
EV to Sales
3.82
PEG Ratio
NA
Dividend Yield
0.10%
ROCE (Latest)
27.25%
ROE (Latest)
21.38%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
Annual Results Snapshot (Consolidated) - Dec'25
Dec'25
Dec'24
Change(%)
Net Sales
57.10
62.10
-8.05%
Operating Profit (PBDIT) excl Other Income
19.80
26.20
-24.43%
Interest
0.00
0.00
Exceptional Items
0.00
0.00
Consolidate Net Profit
13.10
18.40
-28.80%
Operating Profit Margin (Excl OI)
291.70%
377.10%
-8.54%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2025 is -8.05% vs 19.19% in Dec 2024
Consolidated Net Profit
YoY Growth in year ended Dec 2025 is -28.80% vs 33.33% in Dec 2024
About United Bankers Oyj 
United Bankers Oyj
Capital Markets
United Bankers Oyj (UNIAV) is a Finland-based company providing investment products and services. It offers a range of financial solutions, fund management, investment banking, securities brokerage, business and structured investment loans, advisory, as well as real estate investment. The United Bankers Oyj operates a parent of the United Bankers group, which consists of six companies: UB Omaisuudenhoito Oy, providing asset management products and services; UB Rahastoyhtio Oy, engaged in fund management; UB Securities Oy, providing brokerage; UB Capital Oy, engaged in investment banking; UB Nordic Forest Management Oy, investing in forest property; and UB Real Asset Management Oy, specialized in real estate investments.
Company Coordinates 
Company Details
Aleksanterinkatu 21 A , HELSINKI None : 00100
Registrar Details






