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
Price History & Performance
|Historical stock prices|
|Current Share Price||د.ت16.00|
|52 Week High||د.ت15.35|
|52 Week Low||د.ت18.30|
|1 Month Change||-1.23%|
|3 Month Change||-4.76%|
|1 Year Change||0%|
|3 Year Change||-40.72%|
|5 Year Change||-8.05%|
|Change since IPO||-41.07%|
Recent News & Updates
|UIB||TN Banks||TN Market|
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.
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
|1964||n/a||Raoul De La Genardiere||https://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
|UIB fundamental statistics|
Is UIB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UIB income statement (TTM)|
|Cost of Revenue||د.ت2.56m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||2.38|
|Net Profit Margin||21.27%|
How did UIB perform over the long term?See historical performance and comparison
Is Union Internationale de Banques Société anonyme undervalued compared to its fair value and its price relative to the market?
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.
How is Union Internationale de Banques Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has Union Internationale de Banques Société anonyme performed over the past 5 years?
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.
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
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.
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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Raoul De La Genardiere
Mr. Raoul Labbe De La Genardiere serves as Managing Director at Union Internationale de Banques SA.
Experienced Board: UIB's board of directors are considered experienced (3.6 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Union Internationale de Banques Société anonyme's employee growth, exchange listings and data sources
- 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
- Union Internationale de Banques Société anonyme
- 65, Avenue Habib Bourguiba
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/18 15:01|
|End of Day Share Price||2021/10/14 00:00|
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.