Union Bancaire pour le Commerce et L'Industrie Société anonyme (UBCI) Stock Overview
Provides various banking products and services to individuals, professionals, and corporate and institutional clients in Tunisia. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
UBCI Community Fair Values
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Union Bancaire pour le Commerce et L'Industrie Société anonyme Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | د.ت26.15 |
| 52 Week High | د.ت31.13 |
| 52 Week Low | د.ت18.45 |
| Beta | 0.21 |
| 1 Month Change | 28.19% |
| 3 Month Change | 33.42% |
| 1 Year Change | 24.35% |
| 3 Year Change | 17.26% |
| 5 Year Change | 30.75% |
| Change since IPO | 89.65% |
Recent News & Updates
Recent updates
Shareholder Returns
| UBCI | TN Banks | TN Market | |
|---|---|---|---|
| 7D | -11.4% | 3.0% | 1.8% |
| 1Y | 24.3% | 31.7% | 27.8% |
Return vs Industry: UBCI underperformed the TN Banks industry which returned 31.9% over the past year.
Return vs Market: UBCI underperformed the TN Market which returned 27.9% over the past year.
Price Volatility
| UBCI volatility | |
|---|---|
| UBCI Average Weekly Movement | 6.4% |
| Banks Industry Average Movement | 3.4% |
| Market Average Movement | 3.4% |
| 10% most volatile stocks in TN Market | 5.1% |
| 10% least volatile stocks in TN Market | 2.2% |
Stable Share Price: UBCI's share price has been volatile over the past 3 months compared to the TN market.
Volatility Over Time: UBCI's weekly volatility (6%) has been stable over the past year, but is still higher than 75% of TN stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1961 | n/a | Mohamed Koubaa | www.ubci.tn |
Union Bancaire pour le Commerce et L'Industrie Société anonyme provides various banking products and services to individuals, professionals, and corporate and institutional clients in Tunisia. The company accepts various accounts and packages; and offers credit, savings and investments, fundings, and collections services. It also provides growth financing, operating cycle and flow management, international trade, and hedging of exchange rate risk services.
Union Bancaire pour le Commerce et L'Industrie Société anonyme Fundamentals Summary
| UBCI fundamental statistics | |
|---|---|
| Market cap | د.ت523.04m |
| Earnings (TTM) | د.ت59.24m |
| Revenue (TTM) | د.ت328.96m |
Is UBCI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UBCI income statement (TTM) | |
|---|---|
| Revenue | د.ت328.96m |
| Cost of Revenue | د.ت0 |
| Gross Profit | د.ت328.96m |
| Other Expenses | د.ت269.71m |
| Earnings | د.ت59.24m |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.96 |
| Gross Margin | 100.00% |
| Net Profit Margin | 18.01% |
| Debt/Equity Ratio | 172.2% |
How did UBCI perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/14 00:33 |
| End of Day Share Price | 2025/11/14 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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.
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 Github.
Analyst Sources
Union Bancaire pour le Commerce et L'Industrie Société anonyme is covered by 2 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.
| Analyst | Institution |
|---|---|
| Kais Kriaa | AlphaMena |
| Belhassen Achour | AlphaMena |