Société Tunisienne de Banque Société anonyme

BVMT:STB Stock Report

Market Cap: د.ت455.3m

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 -43.3%, while the Banks industry saw earnings growing at 19.2% annually. Revenues have been declining at an average rate of 7.3% per year. Société Tunisienne de Banque Société anonyme's return on equity is 5%, and it has net margins of 12.7%.

Key information

-43.3%

Earnings growth rate

-43.3%

EPS growth rate

Banks Industry Growth2.4%
Revenue growth rate-7.3%
Return on equity5.0%
Net Margin12.7%
Last Earnings Update31 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

BVMT:STB Revenue, expenses and earnings (TND Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 23487622690
31 Dec 225251092430
31 Dec 215251502250
31 Dec 20435941990
31 Dec 194881831870
31 Dec 18287771630
31 Dec 17205181770
31 Dec 1615791460
31 Dec 15135-41320
31 Dec 14135-251330

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: Insufficient data to determine if STB's year-on-year earnings growth rate was positive 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.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 03:30
End of Day Share Price 2025/01/02 00:00
Earnings2023/12/31
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Société Tunisienne de Banque Société anonyme is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Belhassen AchourAlphaMena