Société Tunisienne de Banque Société anonyme provides financial services to individuals, professionals, and enterprises in Tunisia and internationally.
Société Tunisienne de Banque Société anonyme Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||د.ت2.68|
|52 Week High||د.ت2.60|
|52 Week Low||د.ت3.58|
|1 Month Change||-2.19%|
|3 Month Change||-4.29%|
|1 Year Change||-21.18%|
|3 Year Change||-41.61%|
|5 Year Change||-30.93%|
|Change since IPO||-80.09%|
Recent News & Updates
|STB||TN Banks||TN Market|
Return vs Industry: STB underperformed the TN Banks industry which returned -12.2% over the past year.
Return vs Market: STB underperformed the TN Market which returned 0.1% over the past year.
Stable Share Price: STB is not significantly more volatile than the rest of TN stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: STB's weekly volatility (4%) has been stable over the past year.
About the Company
Société Tunisienne de Banque Société anonyme provides financial services to individuals, professionals, and enterprises in Tunisia and internationally. The company offers checking, savings, and current accounts; certificates of deposit; and direct credit, savings and auto loans, housing credit and home savings loans, computer package credit, study savings loans, investment credit, and real estate credit financing services, as well as financing services for professional projects and operating cycle. It also provides online and mobile banking, phone recharge, and money transfer services; bank and credit cards; and commercial papers and treasury services.
Société Tunisienne de Banque Société anonyme Fundamentals Summary
|STB fundamental statistics|
Is STB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|STB income statement (TTM)|
|Cost of Revenue||د.ت1.44m|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||0.61|
|Net Profit Margin||21.94%|
How did STB perform over the long term?See historical performance and comparison
Is Société Tunisienne de Banque 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: Insufficient data to calculate STB's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate STB's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: STB is good value based on its PE Ratio (4.4x) compared to the TN Banks industry average (6.7x).
PE vs Market: STB is good value based on its PE Ratio (4.4x) compared to the TN market (11.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate STB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: STB is good value based on its PB Ratio (0.4x) compared to the TN Banks industry average (0.7x).
How is Société Tunisienne de Banque Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if STB's forecast earnings growth is above the savings rate (9.1%).
Earnings vs Market: Insufficient data to determine if STB's earnings are forecast to grow faster than the TN market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: STB's revenue (13.7% per year) is forecast to grow faster than the TN market (7.5% per year).
High Growth Revenue: STB's revenue (13.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: STB's Return on Equity is forecast to be low in 3 years time (7.7%).
How has Société Tunisienne de Banque Société anonyme performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: STB has a high level of non-cash earnings.
Growing Profit Margin: STB's current net profit margins (21.9%) are lower than last year (37.5%).
Past Earnings Growth Analysis
Earnings Trend: STB has become profitable over the past 5 years, growing earnings by 47.8% per year.
Accelerating Growth: STB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: STB had negative earnings growth (-48.5%) over the past year, making it difficult to compare to the Banks industry average (-20.8%).
Return on Equity
High ROE: STB's Return on Equity (8.3%) is considered low.
How is Société Tunisienne de Banque 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: STB's Assets to Equity ratio (10.8x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if STB has a sufficient allowance for bad loans.
Low Risk Liabilities: 76% of STB's liabilities are made up of primarily low risk sources of funding.
Loan Level: STB has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: STB's Loans to Deposits ratio (110%) is appropriate.
Level of Bad Loans: Insufficient data to determine if STB has an appropriate level of bad loans.
What is Société Tunisienne de Banque Société anonyme current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate STB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate STB'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 STB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if STB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of STB'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?
Average board tenure
Mr. Lotfi Debbabi is General Director at Société Tunisienne de Banque Société anonyme. He served as a Representative Director of Société Tunisienne de Réassurance and is Director of Société Nigérienne de B...
Experienced Board: STB'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: Shareholders have not been meaningfully diluted in the past year.
Société Tunisienne de Banque Société anonyme's employee growth, exchange listings and data sources
- Name: Société Tunisienne de Banque Société anonyme
- Ticker: STB
- Exchange: BVMT
- Founded: 1957
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: د.ت413.747m
- Shares outstanding: 154.38m
- Website: https://www.stb.com.tn
- Société Tunisienne de Banque Société anonyme
- Hédi Nouira Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/18 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.