Banque de Tunisie Société anonyme provides various banking products and services to individuals, professionals, and businesses in Tunisia.
Banque de Tunisie Société anonyme Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||د.ت5.81|
|52 Week High||د.ت5.80|
|52 Week Low||د.ت6.99|
|1 Month Change||-6.14%|
|3 Month Change||-7.63%|
|1 Year Change||-13.28%|
|3 Year Change||-25.70%|
|5 Year Change||-8.53%|
|Change since IPO||230.67%|
Recent News & Updates
|BT||TN Banks||TN Market|
Return vs Industry: BT matched the TN Banks industry which returned -12.8% over the past year.
Return vs Market: BT underperformed the TN Market which returned -0.1% over the past year.
Stable Share Price: BT is less volatile than 75% of TN stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: BT's weekly volatility (2%) has been stable over the past year.
About the Company
|1884||n/a||Mohamed Ben Saad||https://www.bt.com.tn|
Banque de Tunisie Société anonyme provides various banking products and services to individuals, professionals, and businesses in Tunisia. It offers current, savings, and deposit accounts. The company also provides various funding solutions for consumption, home improvements, vehicle, computer, property, and education; advance payment, mobilization of administrative claims, overdraft facility, seasonal credit, stock financing, commercial discount, advance on merchandise, and market pre-financing; and international trade funding comprising down streaming currency, export pre-financing, documentary credit, transfer abroad, documentary remittance, and business travel allowance, as well as investment financing and bank guarantees.
Banque de Tunisie Société anonyme Fundamentals Summary
|BT fundamental statistics|
Is BT overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BT income statement (TTM)|
|Cost of Revenue||د.ت3.98m|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||0.42|
|Net Profit Margin||30.96%|
How did BT perform over the long term?See historical performance and comparison
6.0%Current Dividend Yield
Is Banque de Tunisie 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: BT (TND5.81) is trading above our estimate of fair value (TND1.37)
Significantly Below Fair Value: BT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BT is poor value based on its PE Ratio (13.8x) compared to the TN Banks industry average (6.7x).
PE vs Market: BT is poor value based on its PE Ratio (13.8x) compared to the TN market (11.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BT's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BT is overvalued based on its PB Ratio (1.2x) compared to the TN Banks industry average (0.7x).
How is Banque de Tunisie Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banque de Tunisie Société anonyme has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Banque de Tunisie Société anonyme performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BT has high quality earnings.
Growing Profit Margin: BT's current net profit margins (31%) are lower than last year (43.3%).
Past Earnings Growth Analysis
Earnings Trend: BT's earnings have grown by 4% per year over the past 5 years.
Accelerating Growth: BT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BT had negative earnings growth (-32.4%) over the past year, making it difficult to compare to the Banks industry average (-20.8%).
Return on Equity
High ROE: BT's Return on Equity (8.9%) is considered low.
How is Banque de Tunisie 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: BT's Assets to Equity ratio (5.7x) is low.
Allowance for Bad Loans: BT has a sufficient allowance for bad loans (173%).
Low Risk Liabilities: 74% of BT's liabilities are made up of primarily low risk sources of funding.
Loan Level: BT has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: BT's Loans to Deposits ratio (124%) is appropriate.
Level of Bad Loans: BT has a high level of bad loans (4.1%).
What is Banque de Tunisie Société anonyme current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BT's dividend (6.02%) is higher than the bottom 25% of dividend payers in the TN market (2.89%).
High Dividend: BT's dividend (6.02%) is low compared to the top 25% of dividend payers in the TN market (6.62%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether BT's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if BT's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: At its current payout ratio (83.3%), BT's payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mohamed Ben Saad (69 yo)
Mr. Mohamed Habib Ben Saad served as Chairman at Banque de Tunisie SA. Mr. Saad has been Managing Director (CEO) at Banque de Tunisie SA. since January 30, 2011.Mr. Saad was a Director at Banque de Tunisi...
Experienced Board: BT's board of directors are considered experienced (3.5 years average tenure).
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: Insufficient data to determine if shareholders have been diluted in the past year.
Banque de Tunisie Société anonyme's employee growth, exchange listings and data sources
- Name: Banque de Tunisie Société anonyme
- Ticker: BT
- Exchange: BVMT
- Founded: 1884
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: د.ت1.307b
- Shares outstanding: 225.00m
- Website: https://www.bt.com.tn
- Banque de Tunisie Société anonyme
- 2, Rue de Turquie
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/19 15:01|
|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.