Société Tunisienne de Banque Société anonyme Past Earnings Performance
Past criteria checks 1/6
Société Tunisienne de Banque Société anonyme's earnings have been declining at an average annual rate of -6.2%, while the Banks industry saw earnings growing at 7.4% annually. Revenues have been growing at an average rate of 7.5% per year. Société Tunisienne de Banque Société anonyme's return on equity is 5%, and it has net margins of 12.7%.
Key information
-6.2%
Earnings growth rate
-19.1%
EPS growth rate
| Banks Industry Growth | 2.4% |
| Revenue growth rate | 7.5% |
| Return on equity | 5.0% |
| Net Margin | 12.7% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Société Tunisienne de Banque Société anonyme makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 487 | 62 | 269 | 0 |
| 31 Dec 22 | 525 | 109 | 243 | 0 |
| 31 Dec 21 | 525 | 150 | 225 | 0 |
| 31 Dec 20 | 435 | 94 | 199 | 0 |
| 31 Dec 19 | 488 | 183 | 187 | 0 |
| 31 Dec 18 | 287 | 77 | 163 | 0 |
| 31 Dec 17 | 205 | 18 | 177 | 0 |
| 31 Dec 16 | 157 | 9 | 146 | 0 |
| 31 Dec 15 | 135 | -4 | 132 | 0 |
| 31 Dec 14 | 135 | -25 | 133 | 0 |
| 31 Dec 13 | 2 | -127 | 122 | 0 |
Quality Earnings: STB has high quality earnings.
Growing Profit Margin: STB's current net profit margins (12.7%) are lower than last year (20.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: STB's earnings have declined by 6.2% per year over the past 5 years.
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 (-43.3%) over the past year, making it difficult to compare to the Banks industry average (10.7%).
Return on Equity
High ROE: STB's Return on Equity (5%) is considered low.