Société Tunisienne de Banque Société anonyme Valuation

Is STB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of STB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate STB's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate STB's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for STB?

Key metric: As STB is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for STB. This is calculated by dividing STB's market cap by their current earnings.
What is STB's PE Ratio?
PE Ratio	7.2x
Earnings	د.ت61.66m
Market Cap	د.ت442.91m

STB key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	1.3x

Price to Earnings Ratio vs Peers

How does STB's PE Ratio compare to its peers?

The above table shows the PE ratio for STB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	6x
UBCI Union Bancaire pour le Commerce et L'Industrie Société anonyme	8.2x	-0.6%	د.ت420.6m
BNA Banque Nationale Agricole Société anonyme	2.3x	-38.9%	د.ت495.1m
UIB Union Internationale de Banques Société anonyme	7.7x	-5.6%	د.ت778.3m
AB Amen Bank Société anonyme	5.6x	3.5%	د.ت1.3b
STB Société Tunisienne de Banque Société anonyme	7.2x	5.4%	د.ت442.9m

Price-To-Earnings vs Peers: STB is expensive based on its Price-To-Earnings Ratio (7.2x) compared to the peer average (6x).

Price to Earnings Ratio vs Industry

How does STB's PE Ratio compare vs other companies in the African Banks Industry?

6 Companies	Price / Earnings	Estimated Growth	Market Cap

6 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: STB is expensive based on its Price-To-Earnings Ratio (7.2x) compared to the African Banks industry average (5.2x).

Price to Earnings Ratio vs Fair Ratio

What is STB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

STB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	7.2x
Fair PE Ratio	7.3x

Price-To-Earnings vs Fair Ratio: STB is good value based on its Price-To-Earnings Ratio (7.2x) compared to the estimated Fair Price-To-Earnings Ratio (7.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.