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UIB

Union Internationale de Banques Société anonymeBVMT:UIB Stock Report

Market Cap

د.ت553.0m

7D

-0.9%

1Y

0%

Updated

18 Oct, 2021

Data

Company Financials
UIB fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance3/6
Financial Health4/6
Dividends0/6

UIB Overview

Union Internationale de Banques Société anonyme provides various banking products and services to individuals, professionals, large companies, institutions, and small and medium enterprises in Tunisia.

Union Internationale de Banques Société anonyme Competitors

Banque de Tunisie Société anonyme

BVMT:BT

د.ت1.3b

Banque Attijari de Tunisie Société anonyme

BVMT:TJARI

د.ت1.3b

Amen Bank Société anonyme

BVMT:AB

د.ت555.8m

Société Tunisienne de Banque Société anonyme

BVMT:STB

د.ت413.7m

Price History & Performance

Summary of all time highs, changes and price drops for Union Internationale de Banques Société anonyme
Historical stock prices
Current Share Priceد.ت16.00
52 Week Highد.ت15.35
52 Week Lowد.ت18.30
Beta0.18
1 Month Change-1.23%
3 Month Change-4.76%
1 Year Change0%
3 Year Change-40.72%
5 Year Change-8.05%
Change since IPO-41.07%

Recent News & Updates

Shareholder Returns

UIBTN BanksTN Market
7D-0.9%-0.4%-0.5%
1Y0%-12.8%-0.07%

Return vs Industry: UIB exceeded the TN Banks industry which returned -12.2% over the past year.

Return vs Market: UIB matched the TN Market which returned 0.1% over the past year.

Price Volatility

Is UIB's price volatile compared to industry and market?
UIB volatility
UIB Beta0.18
Industry Beta0.68
Market Beta1

Stable Share Price: UIB is not significantly more volatile than the rest of TN stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: UIB's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1964n/aRaoul De La Genardierehttps://www.uib.com.tn

Union Internationale de Banques Société anonyme provides various banking products and services to individuals, professionals, large companies, institutions, and small and medium enterprises in Tunisia. It offers various accounts; bancassurance products; investment, credit, and financing products; savings and investments products; and products for juniors, teens, and students, as well as other products and services. The company also provides platinum cards and accounts; infinite cards; payment and international guarantee services; salary management services; and business creation advisory services, as well as assistance services in exercising an industrial or service upgrading.

Union Internationale de Banques Société anonyme Fundamentals Summary

How do Union Internationale de Banques Société anonyme's earnings and revenue compare to its market cap?
UIB fundamental statistics
Market Capد.ت552.96m
Earnings (TTM)د.ت82.36m
Revenue (TTM)د.ت387.25m

6.7x

P/E Ratio

0.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UIB income statement (TTM)
Revenueد.ت387.25m
Cost of Revenueد.ت2.56m
Gross Profitد.ت384.69m
Expensesد.ت302.34m
Earningsد.ت82.36m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.38
Gross Margin99.34%
Net Profit Margin21.27%
Debt/Equity Ratio45.2%

How did UIB perform over the long term?

See historical performance and comparison

Valuation

Is Union Internationale de Banques Société anonyme undervalued compared to its fair value and its price relative to the market?

6.71x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: UIB (TND16) is trading above our estimate of fair value (TND8.18)

Significantly Below Fair Value: UIB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: UIB's PE Ratio (6.7x) is in line with the TN Banks industry average.

PE vs Market: UIB is good value based on its PE Ratio (6.7x) compared to the TN market (11.9x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate UIB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: UIB's PB Ratio (0.8x) is in line with the TN Banks industry average.


Future Growth

How is Union Internationale de Banques Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

12.9%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Union Internationale de Banques Société anonyme has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Union Internationale de Banques Société anonyme performed over the past 5 years?

-0.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: UIB has high quality earnings.

Growing Profit Margin: UIB's current net profit margins (21.3%) are lower than last year (22.8%).


Past Earnings Growth Analysis

Earnings Trend: UIB's earnings have declined by 0.6% per year over the past 5 years.

Accelerating Growth: UIB's earnings growth over the past year (6.5%) exceeds its 5-year average (-0.6% per year).

Earnings vs Industry: UIB earnings growth over the past year (6.5%) exceeded the Banks industry -20.8%.


Return on Equity

High ROE: UIB's Return on Equity (11.8%) is considered low.


Financial Health

How is Union Internationale de Banques 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


Balance Sheet


Financial Institutions Analysis

Asset Level: UIB's Assets to Equity ratio (9.3x) is low.

Allowance for Bad Loans: Insufficient data to determine if UIB has a sufficient allowance for bad loans.

Low Risk Liabilities: 90% of UIB's liabilities are made up of primarily low risk sources of funding.

Loan Level: UIB has an appropriate level of Loans to Assets ratio (90%).

Low Risk Deposits: UIB's Loans to Deposits ratio (112%) is appropriate.

Level of Bad Loans: Insufficient data to determine if UIB has an appropriate level of bad loans.


Dividend

What is Union Internationale de Banques Société anonyme current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate UIB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate UIB'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 UIB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if UIB'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 UIB's dividend in 3 years as they are not forecast to pay a notable one for the TN market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.6yrs

Average board tenure


CEO

Raoul De La Genardiere

no data

Tenure

Mr. Raoul Labbe De La Genardiere serves as Managing Director at Union Internationale de Banques SA.


Board Members

Experienced Board: UIB's board of directors are considered experienced (3.6 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Union Internationale de Banques Société anonyme's employee growth, exchange listings and data sources


Key Information

  • Name: Union Internationale de Banques Société anonyme
  • Ticker: UIB
  • Exchange: BVMT
  • Founded: 1964
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: د.ت552.960m
  • Shares outstanding: 34.56m
  • Website: https://www.uib.com.tn

Location

  • Union Internationale de Banques Société anonyme
  • 65, Avenue Habib Bourguiba
  • Tunis
  • 1001
  • Tunisia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/18 15:01
End of Day Share Price2021/10/14 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.