What is Societe Tunisienne de Banque Net Margin %?
Societe Tunisienne de BanqueXTUN:STB 76 Net Margin % is 14.39% as of Dec. 2024, which is 27% above its 10-year median of 11.35. GuruFocus rates XTUN:STB with a GF Score™ of 76/100 and a GF Value™ of TND3.60 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, Societe Tunisienne de Banque ranks worse than 82.25% on this metric.
The historical rank and industry rank for Societe Tunisienne de Banque's Net Margin % or its related term are showing as below:
XTUN:STB'
s Net Margin % Range Over the Past 10 Years
Min: -1.26 Med: 11.35 Max: 28.83
Current: 14.39
XTUN:STB's Net Margin % is ranked worse than 82.25% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XTUN:STB: 14.39
Societe Tunisienne de Banque (XTUN:STB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Societe Tunisienne de Banque Net Margin % Related Terms
Societe Tunisienne de Banque Net Margin % 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.
For the Banks - Regional subindustry, Societe Tunisienne de Banque's Net Margin %, along with its competitors' market caps and Net Margin % 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.
Societe Tunisienne de Banque Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Societe Tunisienne de Banque's Net Margin % distribution charts can be found below:
* The bar in red indicates where Societe Tunisienne de Banque's Net Margin % falls into.
* 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 (XTUN:STB) has a Net Margin % of 14.39% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on Societe Tunisienne de Banque and its competitors. This is 27% above median its historical median of 11.35. According to the industry distribution chart, Societe Tunisienne de Banque ranks #1256 out of 1527 companies in the Banks industry, placing it in the top 82.3%.
Is Societe Tunisienne de Banque's Net Margin % too high?
Societe Tunisienne de Banque's current Net Margin % of 14.39% is 27% above median its 10-year median of 11.35. The Banks industry median Net Margin % is 26.95. Societe Tunisienne de Banque's value of 14.39% is 46.6% below this industry median. Based on the distribution chart, Societe Tunisienne de Banque ranks #1256 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Societe Tunisienne de Banque has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Tunisienne de Banque's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Societe Tunisienne de Banque ranks #1256 out of 1527 companies for Net Margin %. This places Societe Tunisienne de Banque in the lower half of its industry. The industry median Net Margin % is 26.95. Societe Tunisienne de Banque's value of 14.39% is 46.6% below this benchmark. While the company's 10-year median is 11.35 vs. the industry median of 26.95, Societe Tunisienne de Banque has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Societe Tunisienne de Banque's current Net Margin % of 14.39% is 46.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Societe Tunisienne de Banque and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Tunisienne de Banque's current Net Margin % is 14.39%, which is 27% above median its own 10-year median of 11.35. 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 TND3.60, compared to a current price of TND5.27 — trading 46.4% above its estimated fair value. The current Net Margin % is 14.39%, which is 27% above median its 10-year median of 11.35 and 46.6% below the Banks industry median of 26.95. Societe Tunisienne de Banque's overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Societe Tunisienne de Banque (XTUN:STB), the current Net Margin % is 14.39% 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 TND5.27 is trading 46.4% above its estimated GF Value™ of TND3.60.
GuruFocus considers Societe Tunisienne de Banque to be Significantly Overvalued.
Key valuation signals for XTUN:STB:
Net Margin %: 14.39% (27% above median its 10-year median of 11.35)
GF Value™: TND3.60 vs. price of TND5.27 (46.4% above fair value)
Industry Position: 46.6% below the Banks median (#1256 of 1527)
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 SA is engaged in providing banking services. Its activities include accepting deposits, lending money, manage cash among others.
76GF Score
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