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Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Cyclically Adjusted PS Ratio Related Terms
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Cyclically Adjusted PS Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Cyclically Adjusted PS Ratio Chart
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Annual Data
XTUN:UBCI vs USB, PNC: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Cyclically Adjusted PS Ratio vs Banks Industry
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.
What does a Cyclically Adjusted PS Ratio of 2.43 mean?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a Cyclically Adjusted PS Ratio of 2.43 as of Sep. 17, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. According to the industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 1301 companies in the Banks industry.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Cyclically Adjusted PS Ratio too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current Cyclically Adjusted PS Ratio is 2.43. The Banks industry median Cyclically Adjusted PS Ratio is 3.45. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 2.43 is 29.6% below this industry median. Based on the distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 1301 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Bancaire Pour Le Commerce Et l' Industrie Bourse has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Cyclically Adjusted PS Ratio compare to USB and PNC?
According to the Banks industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 1301 companies for Cyclically Adjusted PS Ratio. This places Union Bancaire Pour Le Commerce Et l' Industrie Bourse in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.45. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 2.43 is 29.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.45, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current Cyclically Adjusted PS Ratio of 2.43 is 29.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current Cyclically Adjusted PS Ratio is 2.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock overvalued right now?
Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) is currently considered Significantly Overvalued. The stock's GF Value™ is TND26.43, compared to a current price of TND39.40 — trading 49.1% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 2.43 and 29.6% below the Banks industry median of 3.45. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current Cyclically Adjusted PS Ratio is 2.43 as of Sep. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) Overvalued in 2026?
Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock appears to be overvalued.
The current stock price of TND39.40 is trading 49.1% above its estimated GF Value™ of TND26.43.
GuruFocus considers Union Bancaire Pour Le Commerce Et l' Industrie Bourse to be Significantly Overvalued.
Key valuation signals for XTUN:UBCI:
Cyclically Adjusted PS Ratio: 2.43
GF Value™: TND26.43 vs. price of TND39.40 (49.1% above fair value)
Industry Position: 29.6% below the Banks median (#999999 of 1301)
No single metric tells the full story. See the XTUN:UBCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse engages in the provision of banking and financial services. It offers private, corporate, and institutional banking solutions; cash management; investment banking; international trade; and financial engineering and services such as credit cards and insurances.
70GF Score
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