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How does UNITED.HE make money? Does UNITED.HE have pricing power? What's the Earnings Whisper? Will UNITED.HE profit more as the business scales? What is UNITED.HE's management track record? Is UNITED.HE's current price justified?

United Bankers Oyj

€24 +$5.25 (+28.00%)

HEL · 15 Sep 2026 11:42 UTC

Previous Close

€24.6

Day Range

€24 - €24

Year Range

€16.85€27.2

Market Cap

266.68M

AVG Volume

1.96K

Trailing/Forward PE

21.82/16.33

PEG ratio

1.56

Dividend Yield

4.71%

Next Earnings Date

2027-03-03

Primary Exchange

NASDAQ Helsinki

Revenue (EUR)

UNITED.HE Revenue (EUR) by quarter
Period	Revenue (EUR)
26 Q2	30.39M
25 Q4	28.01M
25 Q2	28.68M
24 Q4	29.09M
24 Q2	32.29M
23 Q4	26.58M
23 Q2	24.23M
22 Q4	25.13M
22 Q2	23.25M
21 Q4	22.79M

Net Income (EUR)

UNITED.HE Net Income (EUR) by quarter
Period	Net Income (EUR)
26 Q2	5.88M
25 Q4	6.1M
25 Q2	6.83M
24 Q4	7.74M
24 Q2	10.3M
23 Q4	7.92M
23 Q2	5.37M
22 Q4	6.96M
22 Q2	5.58M
21 Q4	5.85M

Operating Income (EUR)

UNITED.HE Operating Income (EUR) by quarter
Period	Operating Income (EUR)
26 Q2	7.68M
25 Q4	7.83M
25 Q2	8.81M
24 Q4	9.87M
24 Q2	13.52M
23 Q4	9.97M
23 Q2	7M
22 Q4	9.11M
22 Q2	7.43M
21 Q4	8.03M

EBITDA (EUR)

UNITED.HE EBITDA (EUR) by quarter
Period	EBITDA (EUR)
26 Q2	9.18M
25 Q4	9.35M
25 Q2	10.37M
24 Q4	11.42M
24 Q2	14.7M
23 Q4	11.13M
23 Q2	16.09M
22 Q4	20.07M
22 Q2	16.79M
21 Q4	18.01M

Cash Flows (EUR)

UNITED.HE Cash Flows (EUR) by quarter
Period	Cash Flows (EUR)
26 Q2	3.85M
25 Q4	5.76M
25 Q2	562K
24 Q4	11.9M
24 Q2	19.29M
23 Q4	7.38M
23 Q2	2.42M
22 Q4	1.62M
22 Q2	6.34M
21 Q4	6.55M

EPS (EUR)

UNITED.HE EPS (EUR) by quarter
Period	EPS (EUR)
26 Q2	0.53
25 Q4	0.56
25 Q2	0.62
24 Q4	0.7
24 Q2	0.94
23 Q4	0.73
23 Q2	0.5
22 Q4	0.64
22 Q2	0.52
21 Q4	0.56

Expenses (EUR)

UNITED.HE Expenses (EUR) by quarter
Period	Expenses (EUR)
26 Q2	17.9M
25 Q4	-7.01M
25 Q2	15.74M
24 Q4	12.74M
24 Q2	16.23M
23 Q4	14.35M
23 Q2	15.07M
22 Q4	13.48M
22 Q2	13.06M
21 Q4	11.73M

Cash & Debt (EUR)

UNITED.HE Cash & Debt (EUR) by quarter
Period	Cash & Debt (EUR)
26 Q2	0
25 Q4	0
25 Q2	0
24 Q4	0
24 Q2	0
23 Q4	-1.9M
23 Q2	0
22 Q4	0
22 Q2	0
21 Q4	0

Debt ratios

UNITED.HE Debt ratios by quarter
Period	Debt ratios
26 Q2	0.29
25 Q4	0.07
25 Q2	0
24 Q4	0.02
24 Q2	0
23 Q4	0.06
23 Q2	0.01
22 Q4	0.03
22 Q2	0.03
21 Q4	0.09

Margins

UNITED.HE Margins by quarter
Period	Margins
26 Q2	79.84%
25 Q4	79.43%
25 Q2	100%
24 Q4	83.41%
24 Q2	100%
23 Q4	66.77%
23 Q2	67.54%
22 Q4	70.61%
22 Q2	69.54%
21 Q4	69.11%

Return on Capital

UNITED.HE Return on Capital by quarter
Period	Return on Capital
26 Q2	9.94%
25 Q4	9.88%
25 Q2	12.15%
24 Q4	12.58%
24 Q2	19.09%
23 Q4	15.36%
23 Q2	12.42%
22 Q4	14.49%
22 Q2	13.64%
21 Q4	13.2%

Shares Outstanding

UNITED.HE Shares Outstanding by quarter
Period	Shares Outstanding
26 Q2	10.96M
25 Q4	10.9M
25 Q2	10.97M
24 Q4	10.94M
24 Q2	10.96M
23 Q4	10.85M
23 Q2	10.74M
22 Q4	10.9M
22 Q2	10.72M
21 Q4	10.64M

Dividends (EUR)

UNITED.HE Dividends (EUR) by quarter
Period	Dividends (EUR)
Sep 26	0.58
Mar 26	0.58
Sep 25	0.55
Mar 25	0.55
Sep 24	0.5
Mar 24	0.5
Sep 23	0.15
Mar 23	0.75
Mar 22	0.8
Mar 21	0.51

Book Value Per Share (EUR)

UNITED.HE Book Value Per Share (EUR) by quarter
Period	Book Value Per Share (EUR)
26 Q2	5.4
25 Q4	5.66
25 Q2	5.12
24 Q4	5.62
24 Q2	4.92
23 Q4	4.75
23 Q2	4.02
22 Q4	4.41
22 Q2	3.81
21 Q4	4.17

Total Assets (EUR)

UNITED.HE Total Assets (EUR) by quarter
Period	Total Assets (EUR)
26 Q2	112.51M
25 Q4	98.59M
25 Q2	94.73M
24 Q4	88.48M
24 Q2	83.59M
23 Q4	76.12M
23 Q2	69.08M
22 Q4	71.57M
22 Q2	64.35M
21 Q4	78.16M

PE Ratio

UNITED.HE PE Ratio by quarter
Period	PE Ratio
Sep 26	8.66
Sep 26	8.76
Sep 26	8.62
Aug 26	8.48
Aug 26	8.34
Aug 26	9.25
Aug 26	9.18
Jul 26	8.76
Jul 26	8.3
Jul 26	8.02
Jul 26	7.99
Jul 26	7.57
Jun 26	7.25
Jun 26	7.35
Jun 26	7.18
Jun 26	7.35
May 26	7.11
May 26	6.76
May 26	6.81
May 26	6.77
Apr 26	6.83
Apr 26	6.77
Apr 26	6.67
Apr 26	6.62
Apr 26	6.62
Mar 26	6.19
Mar 26	6.54
Mar 26	6.66
Mar 26	6.41
Feb 26	6.46
Feb 26	6.36
Feb 26	6.32
Feb 26	6.34
Jan 26	6.27
Jan 26	6.24
Jan 26	6.14
Jan 26	6.32
Jan 26	6.27
Dec 25	6.37
Dec 25	6.36
Dec 25	6.31
Dec 25	6.42
Nov 25	6.19
Nov 25	6.12
Nov 25	6.12
Nov 25	6.31
Oct 25	6
Oct 25	5.89
Oct 25	5.92
Oct 25	6.12
Oct 25	6.34
Sep 25	6.48
Sep 25	6.3
Sep 25	6.51
Sep 25	6.57
Aug 25	6.43
Aug 25	6.23
Aug 25	6.41
Aug 25	6.04
Aug 25	6.11
Jul 25	5.94
Jul 25	5.94
Jul 25	5.99
Jul 25	5.96
Jun 25	5.94
Jun 25	5.92
Jun 25	6.04
Jun 25	5.94
May 25	5.94
May 25	5.83
May 25	5.99
May 25	5.99
May 25	5.73
Apr 25	5.69
Apr 25	5.62
Apr 25	5.73
Apr 25	5.75
Mar 25	6.33
Mar 25	6.42
Mar 25	6.28
Mar 25	6.3
Feb 25	6.39
Feb 25	6.33
Feb 25	6.42
Feb 25	6.55
Jan 25	6.44
Jan 25	6.46
Jan 25	6.44
Jan 25	6.69
Jan 25	6.46
Dec 24	6.62
Dec 24	6.46
Dec 24	6.42
Dec 24	6.44
Nov 24	6.58
Nov 24	6.53
Nov 24	6.3
Nov 24	6.31
Nov 24	6.37
Oct 24	6.4

Free Cash Flow Yield

UNITED.HE Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	13.99%
Sep 26	13.82%
Sep 26	14.05%
Aug 26	14.28%
Aug 26	14.52%
Aug 26	13.09%
Aug 26	13.19%
Jul 26	13.82%
Jul 26	14.59%
Jul 26	15.1%
Jul 26	15.16%
Jul 26	16.01%
Jun 26	16.71%
Jun 26	16.47%
Jun 26	16.87%
Jun 26	16.47%
May 26	17.04%
May 26	17.93%
May 26	17.79%
May 26	17.88%
Apr 26	17.74%
Apr 26	17.88%
Apr 26	18.16%
Apr 26	18.31%
Apr 26	18.31%
Mar 26	19.28%
Mar 26	18.25%
Mar 26	17.93%
Mar 26	18.63%
Feb 26	18.48%
Feb 26	18.77%
Feb 26	18.87%
Feb 26	18.82%
Jan 26	19.03%
Jan 26	19.13%
Jan 26	19.44%
Jan 26	18.87%
Jan 26	19.03%
Dec 25	18.73%
Dec 25	18.77%
Dec 25	18.92%
Dec 25	18.58%
Nov 25	19.28%
Nov 25	19.49%
Nov 25	19.49%
Nov 25	18.92%
Oct 25	19.87%
Oct 25	20.27%
Oct 25	20.15%
Oct 25	19.49%
Oct 25	18.82%
Sep 25	20.19%
Sep 25	20.75%
Sep 25	20.09%
Sep 25	19.93%
Aug 25	20.36%
Aug 25	20.99%
Aug 25	20.41%
Aug 25	21.65%
Aug 25	21.41%
Jul 25	22.04%
Jul 25	22.04%
Jul 25	21.84%
Jul 25	21.97%
Jun 25	22.04%
Jun 25	22.1%
Jun 25	21.65%
Jun 25	22.04%
May 25	22.04%
May 25	22.43%
May 25	21.84%
May 25	21.84%
May 25	22.84%
Apr 25	22.98%
Apr 25	23.27%
Apr 25	22.84%
Apr 25	22.77%
Mar 25	15.87%
Mar 25	15.65%
Mar 25	16.01%
Mar 25	15.96%
Feb 25	15.74%
Feb 25	15.87%
Feb 25	15.65%
Feb 25	15.35%
Jan 25	15.61%
Jan 25	15.56%
Jan 25	15.61%
Jan 25	15.02%
Jan 25	15.56%
Dec 24	15.18%
Dec 24	15.56%
Dec 24	15.65%
Dec 24	15.61%
Nov 24	15.27%
Nov 24	15.39%
Nov 24	15.96%
Nov 24	15.92%
Nov 24	15.78%
Oct 24	15.69%

Price to Sales

UNITED.HE Price to Sales by quarter
Period	Price to Sales
Sep 26	2.27
Sep 26	2.3
Sep 26	2.26
Aug 26	2.22
Aug 26	2.19
Aug 26	2.43
Aug 26	2.41
Jul 26	2.3
Jul 26	2.18
Jul 26	2.1
Jul 26	2.1
Jul 26	1.98
Jun 26	1.9
Jun 26	1.93
Jun 26	1.88
Jun 26	1.93
May 26	1.86
May 26	1.77
May 26	1.79
May 26	1.78
Apr 26	1.79
Apr 26	1.78
Apr 26	1.75
Apr 26	1.74
Apr 26	1.74
Mar 26	1.74
Mar 26	1.84
Mar 26	1.87
Mar 26	1.8
Feb 26	1.82
Feb 26	1.79
Feb 26	1.78
Feb 26	1.78
Jan 26	1.76
Jan 26	1.75
Jan 26	1.73
Jan 26	1.78
Jan 26	1.76
Dec 25	1.79
Dec 25	1.79
Dec 25	1.77
Dec 25	1.81
Nov 25	1.74
Nov 25	1.72
Nov 25	1.72
Nov 25	1.77
Oct 25	1.69
Oct 25	1.66
Oct 25	1.66
Oct 25	1.72
Oct 25	1.78
Sep 25	1.81
Sep 25	1.76
Sep 25	1.82
Sep 25	1.83
Aug 25	1.79
Aug 25	1.74
Aug 25	1.79
Aug 25	1.69
Aug 25	1.71
Jul 25	1.66
Jul 25	1.66
Jul 25	1.67
Jul 25	1.66
Jun 25	1.66
Jun 25	1.65
Jun 25	1.69
Jun 25	1.66
May 25	1.66
May 25	1.63
May 25	1.67
May 25	1.67
May 25	1.6
Apr 25	1.59
Apr 25	1.57
Apr 25	1.6
Apr 25	1.6
Mar 25	1.79
Mar 25	1.81
Mar 25	1.77
Mar 25	1.78
Feb 25	1.8
Feb 25	1.79
Feb 25	1.81
Feb 25	1.85
Jan 25	1.82
Jan 25	1.82
Jan 25	1.82
Jan 25	1.89
Jan 25	1.82
Dec 24	1.87
Dec 24	1.82
Dec 24	1.81
Dec 24	1.82
Nov 24	1.86
Nov 24	1.84
Nov 24	1.78
Nov 24	1.78
Nov 24	1.8
Oct 24	1.81

EV/EBITDA

UNITED.HE EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	5.92
Sep 26	5.99
Sep 26	5.9
Aug 26	5.8
Aug 26	5.71
Aug 26	6.32
Aug 26	6.28
Jul 26	5.99
Jul 26	5.68
Jul 26	5.49
Jul 26	5.47
Jul 26	5.18
Jun 26	4.97
Jun 26	5.04
Jun 26	4.92
Jun 26	5.04
May 26	4.87
May 26	4.64
May 26	4.67
May 26	4.65
Apr 26	4.68
Apr 26	4.65
Apr 26	4.58
Apr 26	4.54
Apr 26	4.54
Mar 26	4.26
Mar 26	4.5
Mar 26	4.59
Mar 26	4.41
Feb 26	4.45
Feb 26	4.38
Feb 26	4.36
Feb 26	4.37
Jan 26	4.32
Jan 26	4.3
Jan 26	4.23
Jan 26	4.36
Jan 26	4.32
Dec 25	4.39
Dec 25	4.38
Dec 25	4.34
Dec 25	4.42
Nov 25	4.26
Nov 25	4.22
Nov 25	4.22
Nov 25	4.34
Oct 25	4.14
Oct 25	4.06
Oct 25	4.08
Oct 25	4.22
Oct 25	4.37
Sep 25	3.83
Sep 25	3.73
Sep 25	3.85
Sep 25	3.88
Aug 25	3.8
Aug 25	3.69
Aug 25	3.79
Aug 25	3.57
Aug 25	3.61
Jul 25	3.51
Jul 25	3.51
Jul 25	3.54
Jul 25	3.52
Jun 25	3.51
Jun 25	3.5
Jun 25	3.57
Jun 25	3.51
May 25	3.51
May 25	3.45
May 25	3.54
May 25	3.54
May 25	3.39
Apr 25	3.37
Apr 25	3.33
Apr 25	3.39
Apr 25	3.4
Mar 25	3.12
Mar 25	3.17
Mar 25	3.09
Mar 25	3.1
Feb 25	3.15
Feb 25	3.12
Feb 25	3.17
Feb 25	3.23
Jan 25	3.17
Jan 25	3.18
Jan 25	3.17
Jan 25	3.3
Jan 25	3.18
Dec 24	3.26
Dec 24	3.18
Dec 24	3.17
Dec 24	3.17
Nov 24	3.25
Nov 24	3.22
Nov 24	3.1
Nov 24	3.11
Nov 24	3.14
Oct 24	3.16

Price/Operating Cashflow

UNITED.HE Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Sep 26	6.98
Sep 26	7.07
Sep 26	6.95
Aug 26	6.84
Aug 26	6.73
Aug 26	7.46
Aug 26	7.41
Jul 26	7.07
Jul 26	6.7
Jul 26	6.47
Jul 26	6.44
Jul 26	6.1
Jun 26	5.85
Jun 26	5.93
Jun 26	5.79
Jun 26	5.93
May 26	5.73
May 26	5.45
May 26	5.49
May 26	5.46
Apr 26	5.51
Apr 26	5.46
Apr 26	5.38
Apr 26	5.34
Apr 26	5.34
Mar 26	4.92
Mar 26	5.2
Mar 26	5.29
Mar 26	5.09
Feb 26	5.13
Feb 26	5.05
Feb 26	5.03
Feb 26	5.04
Jan 26	4.99
Jan 26	4.96
Jan 26	4.88
Jan 26	5.03
Jan 26	4.99
Dec 25	5.07
Dec 25	5.05
Dec 25	5.01
Dec 25	5.11
Nov 25	4.92
Nov 25	4.87
Nov 25	4.87
Nov 25	5.01
Oct 25	4.77
Oct 25	4.68
Oct 25	4.71
Oct 25	4.87
Oct 25	5.04
Sep 25	4.6
Sep 25	4.48
Sep 25	4.62
Sep 25	4.66
Aug 25	4.56
Aug 25	4.43
Aug 25	4.55
Aug 25	4.29
Aug 25	4.34
Jul 25	4.22
Jul 25	4.22
Jul 25	4.25
Jul 25	4.23
Jun 25	4.22
Jun 25	4.2
Jun 25	4.29
Jun 25	4.22
May 25	4.22
May 25	4.14
May 25	4.25
May 25	4.25
May 25	4.07
Apr 25	4.04
Apr 25	3.99
Apr 25	4.07
Apr 25	4.08
Mar 25	5.24
Mar 25	5.31
Mar 25	5.19
Mar 25	5.21
Feb 25	5.28
Feb 25	5.24
Feb 25	5.31
Feb 25	5.42
Jan 25	5.33
Jan 25	5.34
Jan 25	5.33
Jan 25	5.53
Jan 25	5.34
Dec 24	5.47
Dec 24	5.34
Dec 24	5.31
Dec 24	5.33
Nov 24	5.44
Nov 24	5.4
Nov 24	5.21
Nov 24	5.22
Nov 24	5.27
Oct 24	5.3

Price to Book

UNITED.HE Price to Book by quarter
Period	Price to Book
Sep 26	4.35
Sep 26	4.4
Sep 26	4.33
Aug 26	4.26
Aug 26	4.19
Aug 26	4.65
Aug 26	4.61
Jul 26	4.4
Jul 26	4.17
Jul 26	4.03
Jul 26	4.01
Jul 26	3.8
Jun 26	3.64
Jun 26	3.69
Jun 26	3.6
Jun 26	3.69
May 26	3.57
May 26	3.39
May 26	3.42
May 26	3.4
Apr 26	3.43
Apr 26	3.4
Apr 26	3.35
Apr 26	3.32
Apr 26	3.32
Mar 26	3.61
Mar 26	3.81
Mar 26	3.88
Mar 26	3.74
Feb 26	3.77
Feb 26	3.71
Feb 26	3.69
Feb 26	3.7
Jan 26	3.66
Jan 26	3.64
Jan 26	3.58
Jan 26	3.69
Jan 26	3.66
Dec 25	3.72
Dec 25	3.71
Dec 25	3.68
Dec 25	3.75
Nov 25	3.61
Nov 25	3.57
Nov 25	3.57
Nov 25	3.68
Oct 25	3.5
Oct 25	3.43
Oct 25	3.45
Oct 25	3.57
Oct 25	3.7
Sep 25	3.3
Sep 25	3.21
Sep 25	3.32
Sep 25	3.35
Aug 25	3.27
Aug 25	3.18
Aug 25	3.27
Aug 25	3.08
Aug 25	3.11
Jul 25	3.02
Jul 25	3.02
Jul 25	3.05
Jul 25	3.03
Jun 25	3.02
Jun 25	3.02
Jun 25	3.08
Jun 25	3.02
May 25	3.02
May 25	2.97
May 25	3.05
May 25	3.05
May 25	2.92
Apr 25	2.9
Apr 25	2.86
Apr 25	2.92
Apr 25	2.93
Mar 25	3.58
Mar 25	3.63
Mar 25	3.55
Mar 25	3.56
Feb 25	3.61
Feb 25	3.58
Feb 25	3.63
Feb 25	3.71
Jan 25	3.64
Jan 25	3.66
Jan 25	3.64
Jan 25	3.79
Jan 25	3.66
Dec 24	3.75
Dec 24	3.66
Dec 24	3.63
Dec 24	3.64
Nov 24	3.73
Nov 24	3.7
Nov 24	3.56
Nov 24	3.57
Nov 24	3.6
Oct 24	3.62

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