Arab Tunisian Bank provides various banking products and services for individuals and companies.
Arab Tunisian Bank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||د.ت2.30|
|52 Week High||د.ت2.18|
|52 Week Low||د.ت3.06|
|1 Month Change||2.22%|
|3 Month Change||-14.82%|
|1 Year Change||-22.03%|
|3 Year Change||-41.48%|
|5 Year Change||-50.96%|
|Change since IPO||-91.47%|
Recent News & Updates
|ATB||TN Banks||TN Market|
Return vs Industry: ATB underperformed the TN Banks industry which returned -12.5% over the past year.
Return vs Market: ATB underperformed the TN Market which returned 0.5% over the past year.
Stable Share Price: ATB is not significantly more volatile than the rest of TN stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: ATB's weekly volatility (4%) has been stable over the past year.
About the Company
Arab Tunisian Bank provides various banking products and services for individuals and companies. It offers savings accounts; term deposits; bank cards; invoice payment and money transfer services; financing services; and internet and mobile banking services. The company also provides abroad transfer, foreign exchange transaction, placement, AVA record keeping, and portfolio management services.
Arab Tunisian Bank Fundamentals Summary
|ATB fundamental statistics|
Is ATB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ATB income statement (TTM)|
|Cost of Revenue||د.ت0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||0.12|
|Net Profit Margin||5.60%|
How did ATB perform over the long term?See historical performance and comparison
Is Arab Tunisian Bank 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: Insufficient data to calculate ATB's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate ATB's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: ATB is poor value based on its PE Ratio (18.5x) compared to the TN Banks industry average (6.7x).
PE vs Market: ATB is poor value based on its PE Ratio (18.5x) compared to the TN market (12.2x).
Price to Earnings Growth Ratio
PEG Ratio: ATB is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: ATB is good value based on its PB Ratio (0.4x) compared to the TN Banks industry average (0.7x).
How is Arab Tunisian Bank 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: ATB's forecast earnings growth (37.9% per year) is above the savings rate (9.1%).
Earnings vs Market: ATB's earnings (37.9% per year) are forecast to grow faster than the TN market (12.7% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ATB's revenue (14% per year) is forecast to grow faster than the TN market (7.5% per year).
High Growth Revenue: ATB's revenue (14% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ATB's Return on Equity is forecast to be low in 3 years time (6.7%).
How has Arab Tunisian Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ATB has high quality earnings.
Growing Profit Margin: ATB's current net profit margins (5.6%) are higher than last year (4.3%).
Past Earnings Growth Analysis
Earnings Trend: ATB's earnings have declined by 38.2% per year over the past 5 years.
Accelerating Growth: ATB's earnings growth over the past year (41.1%) exceeds its 5-year average (-38.2% per year).
Earnings vs Industry: ATB earnings growth over the past year (41.1%) exceeded the Banks industry -20.8%.
Return on Equity
High ROE: ATB's Return on Equity (2.7%) is considered low.
How is Arab Tunisian Bank'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: ATB's Assets to Equity ratio (12.2x) is moderate.
Allowance for Bad Loans: ATB has a sufficient allowance for bad loans (126%).
Low Risk Liabilities: 82% of ATB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ATB has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: ATB's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: ATB has a high level of bad loans (5.6%).
What is Arab Tunisian Bank current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ATB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ATB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ATB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ATB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: ATB is not paying a notable dividend for the TN market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ATB's dividend in 3 years as they are not forecast to pay a notable one for the TN market.
How experienced are the management team and are they aligned to shareholders interests?
Mr. Ahmed Rjiba serves as Director General of Arab Tunisian Bank.
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.
Arab Tunisian Bank's employee growth, exchange listings and data sources
- Name: Arab Tunisian Bank
- Ticker: ATB
- Exchange: BVMT
- Founded: 1982
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: د.ت230.000m
- Shares outstanding: 100.00m
- Website: https://www.atb.com.tn
Number of Employees
- Arab Tunisian Bank
- 9 Rue Hédi Nouira
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/15 15:00|
|End of Day Share Price||2021/10/14 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.