Societe Tunisienne de BanqueXTUN:STB 76 PB Ratio is 0.57 as of Jun. 27, 2026, which is 24% above its 10-year median of 0.46. 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 1,516 Banks companies, Societe Tunisienne de Banque ranks better than 85.75% on this metric.
Societe Tunisienne de Banque SA stock PB Ratio (=0.57) is close to 5-year high of 0.57.
The historical rank and industry rank for Societe Tunisienne de Banque's PB Ratio or its related term are showing as below:
XTUN:STB'
s PB Ratio Range Over the Past 10 Years
Min: 0.29 Med: 0.46 Max: 1.79
Current: 0.57
During the past 10 years, Societe Tunisienne de Banque's highest PB Ratio was 1.79. The lowest was 0.29. And the median was 0.46.
XTUN:STB's PB Ratio is ranked better than 85.75% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs XTUN:STB: 0.57
During the past 12 months, Societe Tunisienne de Banque's average Book Value Per Share Growth Rate was 7.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.50% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Societe Tunisienne de Banque was 35.30% per year. The lowest was 3.90% per year. And the median was 11.80% per year.
Back to Basics: PB Ratio
Societe Tunisienne de Banque (XTUN:STB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Societe Tunisienne de Banque PB Ratio Related Terms
Societe Tunisienne de Banque PB 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.
For the Banks - Regional subindustry, Societe Tunisienne de Banque's PB Ratio, along with its competitors' market caps and PB 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.
Societe Tunisienne de Banque PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Societe Tunisienne de Banque's PB Ratio distribution charts can be found below:
* The bar in red indicates where Societe Tunisienne de Banque's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Societe Tunisienne de Banque (XTUN:STB) has a PB Ratio of 0.57 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Societe Tunisienne de Banque and its competitors. This is 24% above median its historical median of 0.46. Over the past decade, Societe Tunisienne de Banque's PB Ratio has ranged from 0.29 to 1.79. According to the industry distribution chart, Societe Tunisienne de Banque ranks #216 out of 1516 companies in the Banks industry, placing it in the top 14.2%.
Is Societe Tunisienne de Banque's PB Ratio too high?
Societe Tunisienne de Banque's current PB Ratio of 0.57 is 24% above median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.79. The Banks industry median PB Ratio is 1.09. Societe Tunisienne de Banque's value of 0.57 is 47.7% below this industry median. Based on the distribution chart, Societe Tunisienne de Banque ranks #216 out of 1516 companies in the Banks industry, which is in the top quartile — a strong position 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 PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Societe Tunisienne de Banque ranks #216 out of 1516 companies for PB Ratio. This places Societe Tunisienne de Banque in the top 14% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. Societe Tunisienne de Banque's value of 0.57 is 47.7% below this benchmark. Historically, Societe Tunisienne de Banque's own PB Ratio has ranged from 0.29 to 1.79 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Societe Tunisienne de Banque's current PB Ratio of 0.57 is 47.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Societe Tunisienne de Banque and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Tunisienne de Banque's current PB Ratio is 0.57, which is 24% above median its own 10-year median of 0.46. 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 PB Ratio is 0.57, which is 24% above median its 10-year median of 0.46 and 47.7% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Societe Tunisienne de Banque (XTUN:STB), the current PB Ratio is 0.57 as of Jun. 27, 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 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:
PB Ratio: 0.57 (24% above median its 10-year median of 0.46)
GF Value™: TND3.60 vs. price of TND5.27 (46.4% above fair value)
Industry Position: 47.7% below the Banks median (#216 of 1516)
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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