Amen Bank Société anonyme provides banking products and services to individuals and businesses in Tunisia.
Amen Bank Société anonyme Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||د.ت20.80|
|52 Week High||د.ت20.32|
|52 Week Low||د.ت24.49|
|1 Month Change||0%|
|3 Month Change||-2.71%|
|1 Year Change||-15.07%|
|3 Year Change||-21.51%|
|5 Year Change||-8.26%|
|Change since IPO||-14.16%|
Recent News & Updates
|AB||TN Banks||TN Market|
Return vs Industry: AB matched the TN Banks industry which returned -14.6% over the past year.
Return vs Market: AB underperformed the TN Market which returned -0.2% over the past year.
Stable Share Price: AB is less volatile than 75% of TN stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: AB's weekly volatility (2%) has been stable over the past year.
About the Company
Amen Bank Société anonyme provides banking products and services to individuals and businesses in Tunisia. The company offers savings and current accounts; short-term and medium-term credits; remote banking products; payment products; bank cards; bancassurance products; investment products; cash products; and exchange products, as well as vaults and digital banking solutions. Amen Bank Société anonyme was founded in 1967 and is headquartered in Tunis, Tunisia.
Amen Bank Société anonyme Fundamentals Summary
|AB fundamental statistics|
Is AB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AB income statement (TTM)|
|Cost of Revenue||د.ت0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||3.72|
|Net Profit Margin||33.37%|
How did AB perform over the long term?See historical performance and comparison
10.3%Current Dividend Yield
Is Amen Bank Société anonyme undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AB (TND20.8) is trading above our estimate of fair value (TND7.86)
Significantly Below Fair Value: AB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: AB is good value based on its PE Ratio (5.6x) compared to the TN Banks industry average (6.7x).
PE vs Market: AB is good value based on its PE Ratio (5.6x) compared to the TN market (12.2x).
Price to Earnings Growth Ratio
PEG Ratio: AB is good value based on its PEG Ratio (0.3x)
Price to Book Ratio
PB vs Industry: AB is good value based on its PB Ratio (0.5x) compared to the TN Banks industry average (0.7x).
How is Amen Bank Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AB's forecast earnings growth (18.5% per year) is above the savings rate (9.1%).
Earnings vs Market: AB's earnings (18.5% per year) are forecast to grow faster than the TN market (12.7% per year).
High Growth Earnings: AB's earnings are forecast to grow, but not significantly.
Revenue vs Market: AB's revenue (19.5% per year) is forecast to grow faster than the TN market (7.5% per year).
High Growth Revenue: AB's revenue (19.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AB's Return on Equity is forecast to be low in 3 years time (12.3%).
How has Amen Bank Société anonyme performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AB has high quality earnings.
Growing Profit Margin: AB's current net profit margins (33.4%) are lower than last year (46.5%).
Past Earnings Growth Analysis
Earnings Trend: AB's earnings have grown by 9.5% per year over the past 5 years.
Accelerating Growth: AB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: AB had negative earnings growth (-32.8%) over the past year, making it difficult to compare to the Banks industry average (-20.8%).
Return on Equity
High ROE: AB's Return on Equity (8.4%) is considered low.
How is Amen Bank Société anonyme's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: AB's Assets to Equity ratio (7.7x) is low.
Allowance for Bad Loans: Insufficient data to determine if AB has a sufficient allowance for bad loans.
Low Risk Liabilities: 72% of AB's liabilities are made up of primarily low risk sources of funding.
Loan Level: AB has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: AB's Loans to Deposits ratio (110%) is appropriate.
Level of Bad Loans: Insufficient data to determine if AB has an appropriate level of bad loans.
What is Amen Bank Société anonyme current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AB's dividend (10.34%) is higher than the bottom 25% of dividend payers in the TN market (2.92%).
High Dividend: AB's dividend (10.34%) is in the top 25% of dividend payers in the TN market (6.69%)
Stability and Growth of Payments
Stable Dividend: Too early to tell whether AB's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if AB's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (57.8%), AB's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AB's dividends in 3 years are forecast to be well covered by earnings (29.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Mr. Karim Ben Yedder serves as the Chief Executive Officer and Member of the Management Board at Amen Bank S.A. and served as its Deputy Managing Director. Mr. Yedder serves as a Director of Tunisie Leasin...
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Amen Bank Société anonyme's employee growth, exchange listings and data sources
- Name: Amen Bank Société anonyme
- Ticker: AB
- Exchange: BVMT
- Founded: 1967
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: د.ت556.101m
- Shares outstanding: 26.48m
- Website: https://www.amenbank.com.tn
- Amen Bank Société anonyme
- Avenue Mohamed V
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/21 18:11|
|End of Day Share Price||2021/10/21 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.