Banque Internationale Arabe de Tunisie (XTUN:BIAT) Moat Score: 0/10 (As of Jul. 09, 2026)


XTUN:BIAT Banque Internationale Arabe de Tunisie SA XTUN:BIAT
79 GF Score
Price TND169.45
GF Value TND104.49
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banque Internationale Arabe de Tunisie Moat Score?

Banque Internationale Arabe de Tunisie has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Banque Internationale Arabe de Tunisie has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Banque Internationale Arabe de Tunisie might have No Moat - No discernible moat.

Banque Internationale Arabe de Tunisie  (XTUN:BIAT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Banque Internationale Arabe de Tunisie Moat Score Related Terms

XTUN:BIAT
79GF Score
Banque Internationale Arabe de Tunisie SA XTUN:BIAT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Banque Internationale Arabe de Tunisie (XTUN:BIAT) Overvalued in 2026?

Based on GuruFocus' analysis, Banque Internationale Arabe de Tunisie stock appears to be overvalued. The current stock price of TND169.45 is trading 62.2% above its estimated GF Value™ of TND104.49. GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.

Key valuation signals for XTUN:BIAT:

  • Moat Score: 0
  • GF Value™: TND104.49 vs. price of TND169.45 (62.2% above fair value)
  • GF Score™: 79/100 with 7 warning signs

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

Banque Internationale Arabe de Tunisie Business Description

Address 70-72 Avenue Habib Bourguiba, Tunis, TUN, 1000
Banque Internationale Arabe de Tunisie SA is a Tunisia-based banking services provider. The crux of its operations involves Retail Banking and Funding and Investment Banking Business. Under the Retail Banking umbrella, it provides deposit products and loans to individuals, and institutions in agriculture and fishing, industry, construction, olive oil, trading, tourism, transport, telecom, service, and other sectors. The Investment Banking services include corporate finance, venture capital, a securities portfolio and financial holdings management, asset management, and debt recovery. The bank generates a majority of its revenue in the form of interest income.
79GF Score

Get the complete analysis for XTUN:BIAT

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

TND169.45
Price
TND104.49
GF Value