The historical rank and industry rank for Union Internationale de Banques's PB Ratio or its related term are showing as below:
XTUN:UIB'
s PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 0.9 Max: 2.57
Current: 0.85
During the past 11 years, Union Internationale de Banques's highest PB Ratio was 2.57. The lowest was 0.63. And the median was 0.90.
XTUN:UIB's PB Ratio is ranked better than 70.18% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs XTUN:UIB: 0.85
During the past 12 months, Union Internationale de Banques's average Book Value Per Share Growth Rate was 6.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Union Internationale de Banques was 16.80% per year. The lowest was 7.20% per year. And the median was 11.20% per year.
Back to Basics: PB Ratio
Union Internationale de Banques (XTUN:UIB) 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.
Union Internationale de Banques PB Ratio Related Terms
Union Internationale de Banques 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, Union Internationale de Banques'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 Internationale de Banques PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's PB Ratio distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques's PB Ratio falls into.
Union Internationale de Banques 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.
* 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.
Union Internationale de Banques (XTUN:UIB) has a PB Ratio of 0.85 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Internationale de Banques and its competitors. This is near median its historical median of 0.90. Over the past decade, Union Internationale de Banques' PB Ratio has ranged from 0.63 to 2.57. According to the industry distribution chart, Union Internationale de Banques ranks #452 out of 1516 companies in the Banks industry, placing it in the top 29.8%.
Is Union Internationale de Banques' PB Ratio too high?
Union Internationale de Banques' current PB Ratio of 0.85 is near median its 10-year median of 0.90. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 2.57. The Banks industry median PB Ratio is 1.09. Union Internationale de Banques' value of 0.85 is 22% below this industry median. Based on the distribution chart, Union Internationale de Banques ranks #452 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Union Internationale de Banques has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' PB Ratio compare to PNC?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #452 out of 1516 companies for PB Ratio. This puts Union Internationale de Banques in the upper half of its industry. The industry median PB Ratio is 1.09. Union Internationale de Banques' value of 0.85 is 22% below this benchmark. Historically, Union Internationale de Banques' own PB Ratio has ranged from 0.63 to 2.57 over the past decade. While the company's 10-year median is 0.90 vs. the industry median of 1.09, Union Internationale de Banques 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. Union Internationale de Banques's current PB Ratio of 0.85 is 22% 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 Union Internationale de Banques 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. Union Internationale de Banques's current PB Ratio is 0.85, which is near median its own 10-year median of 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Fairly Valued. The stock's GF Value™ is TND24.67, compared to a current price of TND27.00 — trading 9.4% above its estimated fair value. The current PB Ratio is 0.85, which is near median its 10-year median of 0.90 and 22% below the Banks industry median of 1.09. Union Internationale de Banques' overall GF Score™ is 82/100 with 3 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 Internationale de Banques (XTUN:UIB), the current PB Ratio is 0.85 as of Jun. 26, 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 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 TND27.00 is trading 9.4% above its estimated GF Value™ of TND24.67.
GuruFocus considers Union Internationale de Banques to be Fairly Valued.
Key valuation signals for XTUN:UIB:
PB Ratio: 0.85 (near median its 10-year median of 0.90)
GF Value™: TND24.67 vs. price of TND27.00 (9.4% above fair value)
Industry Position: 22% below the Banks median (#452 of 1516)
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
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