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Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Union Bancaire Pour Le Commerce Et l' Industrie Bourse PE Ratio (TTM) Related Terms
Union Bancaire Pour Le Commerce Et l' Industrie Bourse PE Ratio (TTM) 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse PE Ratio (TTM) Chart
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Annual Data
* 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 PE Ratio (TTM) vs Banks Industry
Union Bancaire Pour Le Commerce Et l' Industrie Bourse PE Ratio (TTM) Calculation
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Share Price of today is TND39.90.
For company reported semi-annually, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was TND2.75.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a PE Ratio (TTM) of 14.51 as of Jul. 21, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. This is 62% above median its historical median of 8.96. Over the past decade, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PE Ratio (TTM) has ranged from 6.71 to 15.15. According to the industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #995 out of 1446 companies in the Banks industry, placing it in the top 68.8%.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PE Ratio (TTM) too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current PE Ratio (TTM) of 14.51 is 62% above median its 10-year median of 8.96. Over the past 10 years, this metric has ranged from a low of 6.71 to a high of 15.15. The Banks industry median PE Ratio (TTM) is 11.80. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 14.51 is 23% above this industry median. Based on the distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #995 out of 1446 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 73/100 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 PE Ratio (TTM) compare to PNC and USB?
According to the Banks industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #995 out of 1446 companies for PE Ratio (TTM). This places Union Bancaire Pour Le Commerce Et l' Industrie Bourse in the lower half of its industry. The industry median PE Ratio (TTM) is 11.80. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 14.51 is 23% above this benchmark. Historically, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's own PE Ratio (TTM) has ranged from 6.71 to 15.15 over the past decade. While the company's 10-year median is 8.96 vs. the industry median of 11.80, 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.80, based on 1,446 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) 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 PE Ratio (TTM) of 14.51 is 23% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.80 — 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 PE Ratio (TTM) is 14.51, which is 62% above median its own 10-year median of 8.96. 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 TND26.33, compared to a current price of TND39.90 — trading 51.5% above its estimated fair value. The current PE Ratio (TTM) is 14.51, which is 62% above median its 10-year median of 8.96 and 23% above the Banks industry median of 11.80. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current PE Ratio (TTM) is 14.51 as of Jul. 21, 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 TND39.90 is trading 51.5% above its estimated GF Value™ of TND26.33.
GuruFocus considers Union Bancaire Pour Le Commerce Et l' Industrie Bourse to be Significantly Overvalued.
Key valuation signals for XTUN:UBCI:
PE Ratio (TTM): 14.51 (62% above median its 10-year median of 8.96)
GF Value™: TND26.33 vs. price of TND39.90 (51.5% above fair value)
Industry Position: 23% above the Banks median (#995 of 1446)
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
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.
73GF Score
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PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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