Union Internationale de Banques (XTUN:UIB) Moat Score: 0/10 (As of Jul. 03, 2026)


XTUN:UIB Union Internationale de Banques SA XTUN:UIB
82 GF Score
Price TND31.20
GF Value TND24.69
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Union Internationale de Banques Moat Score?

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

Union Internationale de Banques 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 Union Internationale de Banques might have No Moat - No discernible moat.

Union Internationale de Banques  (XTUN:UIB) 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

Union Internationale de Banques Moat Score Related Terms

XTUN:UIB
82GF Score
Union Internationale de Banques SA XTUN:UIB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?

Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued. The current stock price of TND31.20 is trading 26.4% above its estimated GF Value™ of TND24.69. GuruFocus considers Union Internationale de Banques to be Modestly Overvalued.

Key valuation signals for XTUN:UIB:

  • Moat Score: 0
  • GF Value™: TND24.69 vs. price of TND31.20 (26.4% above fair value)
  • GF Score™: 82/100 with 3 warning signs

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

Union Internationale de Banques Business Description

Address 65 Avenue Habib Bourguiba, Tunis, TUN
Union Internationale de Banques SA is engaged in providing banking services to individuals and businesses, companies and institutions.
82GF Score

Get the complete analysis for XTUN:UIB

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

TND31.20
Price
TND24.69
GF Value