XTUN:UIB (Tunisia)
Â
Class A
TND
33.24
-0.38 (-1.09%)
Sep 21
Business Description
Union Internationale de Banques SA
SIC : 6021
ISIN : TN0003900107
Share Class Description:
XTUN:UIB: Class ATotal Employee Number:
1,534Compare
Compare
Traded in other countries / regions
UIB.Tunisia IPO Date
1996-08-18Description
Union Internationale de Banques SA (UIB) is a Tunisian commercial bank headquartered in Tunis. It provides retail and corporate banking services to individuals, professionals, small and medium-sized enterprises, large companies, and public institutions. Its offerings include current and savings accounts, consumer and mortgage lending, business and investment credit, trade finance, leasing, and payment services, along with insurance and investment products distributed through its branch network. UIB operates an extensive domestic branch network across Tunisia and serves customers mainly in the Tunisian market, with correspondent banking relationships supporting international transactions. Revenue is generated primarily from net interest income on loans and deposits, supplemented by fees and commissions from account services, payment operations, trade finance, and other banking activities. The bank has historically been associated with international banking groups, including a long-standing link with the French group Société Générale, which has held a significant stake in the institution.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 8.58 | |||||
Equity-to-Asset | 0.13 | |||||
Debt-to-Equity | 0.1 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 7/9 | |||||
Beneish M-Score | -2.36 | |||||
WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 2.4 | |||||
3-Year EPS without NRI Growth Rate | -7.8 | |||||
3-Year FCF Growth Rate | -62.4 | |||||
3-Year Book Growth Rate | 7.2 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 4.81 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 5.71 | |||||
9-Day RSI | 18.59 | |||||
14-Day RSI | 30.97 | |||||
3-1 Month Momentum % | 25.41 | |||||
6-1 Month Momentum % | 20.57 | |||||
12-1 Month Momentum % | 60.38 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.89 | |||||
Dividend Payout Ratio | 0.27 | |||||
3-Year Dividend Growth Rate | 6.7 | |||||
Forward Dividend Yield % | 2.89 | |||||
5-Year Yield-on-Cost % | 2.89 | |||||
Shareholder Yield % | 5.71 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 17.8 | |||||
FCF Margin % | 34.24 | |||||
OCF Margin % | 37.99 | |||||
ROE % | 8.86 | |||||
ROA % | 1.1 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 12.69 | |||||
Forward PE Ratio | 12.86 | |||||
PE Ratio without NRI | 10.97 | |||||
Shiller PE Ratio | 10.79 | |||||
Price-to-Owner-Earnings | 13 | |||||
PEG Ratio | 1.22 | |||||
PS Ratio | 2.26 | |||||
PB Ratio | 1.09 | |||||
Price-to-Tangible-Book | 1.13 | |||||
Price-to-Free-Cash-Flow | 272.44 | |||||
Price-to-Operating-Cash-Flow | 48.39 | |||||
EV-to-Revenue | 0.64 | |||||
EV-to-FCF | 80.03 | |||||
Price-to-GF-Value | 1.35 | |||||
Price-to-Projected-FCF | 0.31 | |||||
Price-to-DCF (Earnings Based) | 0.95 | |||||
Price-to-DCF (FCF Based) | 23.54 | |||||
Price-to-Median-PS-Value | 1.29 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.21 | |||||
Price-to-Graham-Number | 0.74 | |||||
FCF Yield % | 0.36 | |||||
Forward Rate of Return (Yacktman) % | 32.03 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Union Internationale de Banques SA Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil TND) | 542.082 | ||
| EPS (TTM) (TND) | 2.726 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | 0.28 | ||
| 3-Year Sortino Ratio | 0.53 | ||
| Volatility % | 32.41 | ||
| 14-Day RSI | 30.97 | ||
| 14-Day ATR (TND) | 3.960082 | ||
| 20-Day SMA (TND) | 34.931 | ||
| 12-1 Month Momentum % | 60.38 | ||
| 52-Week Range (TND) | 21.37 - 37.8 | ||
| Shares Outstanding (Mil) | 34.56 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Union Internationale de Banques SA Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Union Internationale de Banques SA Stock Events
| Event | Date | Price (TND) | ||
|---|---|---|---|---|
| TND 1.000000 Cash Dividend | 2026-06-02 | 32.50 (+2.07%) | ||
| TND 0.850000 Cash Dividend | 2025-06-02 | 23.60 (-0.21%) |
Show
Entries
Union Internationale de Banques SA Frequently Asked Questions
What is Union Internationale de Banques SA(XTUN:UIB)'s stock price today?
The current price of XTUN:UIB is TND33.24. The 52 week high of XTUN:UIB is TND37.80 and 52 week low is TND21.37.
When is next earnings date of Union Internationale de Banques SA(XTUN:UIB)?
The next earnings date of Union Internationale de Banques SA(XTUN:UIB) is .
Does Union Internationale de Banques SA(XTUN:UIB) pay dividends? If so, how much?
The Dividend Yield %  of Union Internationale de Banques SA(XTUN:UIB) is 2.89% (As of Today), Highest Dividend Payout Ratio of Union Internationale de Banques SA(XTUN:UIB) was 0.27. The lowest was 0.17. And the median was 0.22. The  Forward Dividend Yield % of Union Internationale de Banques SA(XTUN:UIB) is 2.89%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers