Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) PB Ratio: 1.26 (As of Jul. 11, 2026) — 42% Above Median


XTUN:UBCI Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI
71 GF Score
Price TND39.99
GF Value TND26.30
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Union Bancaire Pour Le Commerce Et l' Industrie Bourse PB Ratio?

Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI 71 PB Ratio is 1.26 as of Jul. 11, 2026, which is 42% above its 10-year median of 0.89. GuruFocus rates XTUN:UBCI with a GF Score™ of 71/100 and a GF Value™ of TND26.30 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,515 Banks companies, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks worse than 63.04% on this metric.

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. As of today (2026-07-11), Union Bancaire Pour Le Commerce Et l' Industrie Bourse's share price is TND39.99. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Book Value per Share for the quarter that ended in Dec. 2025 was TND31.68. Hence, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio of today is 1.26.

Warning Sign:

Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock PB Ratio (=1.26) is close to 10-year high of 1.26.

The historical rank and industry rank for Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio or its related term are showing as below:

XTUN:UBCI' s PB Ratio Range Over the Past 10 Years
Min: 0.66   Med: 0.89   Max: 1.26
Current: 1.26

During the past 6 years, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's highest PB Ratio was 1.26. The lowest was 0.66. And the median was 0.89.

XTUN:UBCI's PB Ratio is ranked worse than
63.04% of 1515 companies
in the Banks industry
Industry Median: 1.1 vs XTUN:UBCI: 1.26

During the past 12 months, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's average Book Value Per Share Growth Rate was 13.80% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 8.10% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 7.00% per year.

During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Union Bancaire Pour Le Commerce Et l' Industrie Bourse was 8.10% per year. The lowest was 5.70% per year. And the median was 6.80% per year.

Back to Basics: PB Ratio


Union Bancaire Pour Le Commerce Et l' Industrie Bourse  (XTUN:UBCI) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

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.


Union Bancaire Pour Le Commerce Et l' Industrie Bourse PB Ratio Related Terms


Union Bancaire Pour Le Commerce Et l' Industrie Bourse PB Ratio Historical Data

* Premium members only.

The historical data trend for Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio 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.

Union Bancaire Pour Le Commerce Et l' Industrie Bourse PB Ratio Chart

Union Bancaire Pour Le Commerce Et l' Industrie Bourse Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial 0.87 0.88 0.85 0.77 1.07

Union Bancaire Pour Le Commerce Et l' Industrie Bourse Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Dec25
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.90 0.85 0.88 0.77 1.07

XTUN:UBCI vs PNC, USB: PB Ratio Comparison

For the Banks - Regional subindustry, Union Bancaire Pour Le Commerce Et l' Industrie Bourse'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.


Union Bancaire Pour Le Commerce Et l' Industrie Bourse PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio distribution charts can be found below:

* The bar in red indicates where Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio falls into.


XTUN:UBCI
71GF Score
Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Union Bancaire Pour Le Commerce Et l' Industrie Bourse PB Ratio Calculation

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.

Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2025)
=39.99/31.679
=1.26

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 1.26 mean?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a PB Ratio of 1.26 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. This is 42% above median its historical median of 0.89. Over the past decade, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio has ranged from 0.66 to 1.26. According to the industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #955 out of 1515 companies in the Banks industry, placing it in the top 63%.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current PB Ratio of 1.26 is 42% above median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 1.26. The Banks industry median PB Ratio is 1.10. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 1.26 is 14.5% above this industry median. Based on the distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #955 out of 1515 companies in the Banks industry, which is below the industry midpoint. Overall, Union Bancaire Pour Le Commerce Et l' Industrie Bourse has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #955 out of 1515 companies for PB Ratio. This places Union Bancaire Pour Le Commerce Et l' Industrie Bourse in the lower half of its industry. The industry median PB Ratio is 1.10. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 1.26 is 14.5% above this benchmark. Historically, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's own PB Ratio has ranged from 0.66 to 1.26 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 1.10, Union Bancaire Pour Le Commerce Et l' Industrie Bourse has consistently been above 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 1.10, based on 1,515 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. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current PB Ratio of 1.26 is 14.5% above 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current PB Ratio is 1.26, which is 42% above median its own 10-year median of 0.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock overvalued right now?
Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) is currently considered Significantly Overvalued. The stock's GF Value™ is TND26.30, compared to a current price of TND39.99 — trading 52.1% above its estimated fair value. The current PB Ratio is 1.26, which is 42% above median its 10-year median of 0.89 and 14.5% above the Banks industry median of 1.10. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's overall GF Score™ is 71/100 with 7 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current PB Ratio is 1.26 as of Jul. 11, 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) Overvalued in 2026?

Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock appears to be overvalued. The current stock price of TND39.99 is trading 52.1% above its estimated GF Value™ of TND26.30. GuruFocus considers Union Bancaire Pour Le Commerce Et l' Industrie Bourse to be Significantly Overvalued.

Key valuation signals for XTUN:UBCI:

  • PB Ratio: 1.26 (42% above median its 10-year median of 0.89)
  • GF Value™: TND26.30 vs. price of TND39.99 (52.1% above fair value)
  • GF Score™: 71/100 with 7 warning signs
  • Industry Position: 14.5% above the Banks median (#955 of 1515)

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


Union Bancaire Pour Le Commerce Et l' Industrie Bourse Business Description

Address 139 Liberty Avenue, Belvedere, Tunis, TUN, 1002
Union Bancaire Pour Le Commerce Et l' Industrie Bourse engages in the provision of banking and financial services. It offers private, corporate, and institutional banking solutions; cash management; investment banking; international trade; and financial engineering and services such as credit cards and insurances.
71GF Score

Get the complete analysis for XTUN:UBCI

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

TND39.99
Price
TND26.30
GF Value