Societe Tunisienne de Banque (XTUN:STB) Intangible Assets: TND8.1 Mil (As of Dec. 2024)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTUN:STB Societe Tunisienne de Banque SA XTUN:STB
80 GF Score
Price TND6.15
GF Value TND3.57
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Societe Tunisienne de Banque Intangible Assets?

Societe Tunisienne de Banque XTUN:STB +4.24% 80 Intangible Assets is TND8.1 Mil as of Dec. 2024. GuruFocus rates XTUN:STB with a GF Score™ of 80/100 and a GF Value™ of TND3.57 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Intangible assets are defined as identifiable non-monetary assets that cannot be seen, touched or physically measured. Societe Tunisienne de Banque's intangible assets for the quarter that ended in Dec. 2024 was TND8.1 Mil.

Societe Tunisienne de Banque  (XTUN:STB) Intangible Assets Explanation

If a company (company A) received a patent through their own work, though it has value, it does not show up on its balance sheet as an intangible asset. However, if company A sells this patent to company B, it will show up on company B's balance sheet as an intangible asset.

The same applies to brand names, trade secrets etc. For instance, Coca-Cola's brand is extremely valuable, but the brand does not appear on its balance sheet, because the brand was never acquired.

Some intangibles are amortized. Amortization is the depreciation of intangible assets.

Many intangibles are not amortized. They may still be written down when the company decides the asset is impaired.

Whenever you see an increase in goodwill over a number of years, you can assume it's because the company is out buying other businesses above book value. GOOD if buying businesses with durable competitive advantage.

If goodwill stays the same, the company when acquiring other companies is either paying less than book value or not acquiring. Businesses with moats never sell for less than book value.

Intangibles acquired are on balance sheet at fair value.

Internally developed brand names (Coke, Wrigleys, Band-Aid) however are not reflected on the balance sheet.

One of the reasons competitive advantage power can remain hidden for so long.

Be Aware

Companies may change the way intangible assets are amortized, and this will affect their reported earnings.

Societe Tunisienne de Banque Intangible Assets Related Terms

Societe Tunisienne de Banque Intangible Assets Historical Data

* Premium members only.

The historical data trend for Societe Tunisienne de Banque's Intangible Assets can be seen below:

* 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.

Societe Tunisienne de Banque Intangible Assets Chart

Societe Tunisienne de Banque Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Intangible Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.07 6.26 6.38 4.82 8.07

Societe Tunisienne de Banque Semi-Annual Data
Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Intangible Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.07 6.26 6.38 4.82 8.07
XTUN:STB
80GF Score
Societe Tunisienne de Banque SA XTUN:STB
Intangible Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Societe Tunisienne de Banque Intangible Assets Calculation

Intangible assets are defined as identifiable non-monetary assets that cannot be seen, touched or physically measured. Examples of intangible assets include trade secrets, copyrights, patents, trademarks. If a company acquires assets at the prices above the book value, it may carry goodwill on its balance sheet. Goodwill reflects the difference between the price the company paid and the book value of the assets.

Frequently Asked Questions Learn more about Intangible Assets →
What does a Intangible Assets of TND8.1 Mil mean?
Societe Tunisienne de Banque (XTUN:STB) has a Intangible Assets of TND8.1 Mil as of Dec. 2024. Intangible assets include patents, goodwill and trade secrets. View historical data on Societe Tunisienne de Banque and its competitors.
Is Societe Tunisienne de Banque's Intangible Assets too high?
Societe Tunisienne de Banque's current Intangible Assets is TND8.1 Mil. Overall, Societe Tunisienne de Banque has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Tunisienne de Banque's Intangible Assets compare to PNC and USB?
Societe Tunisienne de Banque's Intangible Assets of TND8.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intangible Assets for a Banks company?
A good Intangible Assets depends on the Banks industry context. However, Intangible Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intangible Assets mean?
A high Intangible Assets can signal that a stock is expensive relative to its fundamentals. Intangible assets include patents, goodwill and trade secrets. View historical data on Societe Tunisienne de Banque and its competitors. Societe Tunisienne de Banque's current Intangible Assets is TND8.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Tunisienne de Banque stock overvalued right now?
Based on GuruFocus' analysis, Societe Tunisienne de Banque (XTUN:STB) is currently considered Significantly Overvalued. The stock's GF Value™ is TND3.57, compared to a current price of TND6.15 — trading 72.3% above its estimated fair value. The current Intangible Assets is TND8.1 Mil. Societe Tunisienne de Banque's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intangible Assets calculated?
Intangible Assets is calculated from a company's financial statements. For Societe Tunisienne de Banque (XTUN:STB), the current Intangible Assets is TND8.1 Mil as of Dec. 2024. 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 Societe Tunisienne de Banque (XTUN:STB) Overvalued in 2026?

Based on GuruFocus' analysis, Societe Tunisienne de Banque stock appears to be overvalued. The current stock price of TND6.15 is trading 72.3% above its estimated GF Value™ of TND3.57. GuruFocus considers Societe Tunisienne de Banque to be Significantly Overvalued.

Key valuation signals for XTUN:STB:

  • Intangible Assets: TND8.1 Mil
  • GF Value™: TND3.57 vs. price of TND6.15 (72.3% above fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the XTUN:STB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Societe Tunisienne de Banque Business Description

Address Rue Hedi Nouira, Tunis, TUN, 1001
Societe Tunisienne de Banque SA is engaged in providing banking services. Its activities include accepting deposits, lending money, manage cash among others.
80GF Score

Get the complete analysis for XTUN:STB

Intangible Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND6.15
Price
TND3.57
GF Value