Societe Tunisienne de Banque (XTUN:STB) PS Ratio: 1.31 (As of Jul. 03, 2026) — 52% Above Median


XTUN:STB Societe Tunisienne de Banque SA XTUN:STB
81 GF Score
Price TND6.03
GF Value TND3.59
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is Societe Tunisienne de Banque PS Ratio?

Societe Tunisienne de Banque XTUN:STB +14.42% 81 PS Ratio is 1.31 as of Jul. 03, 2026, which is 52% above its 10-year median of 0.86. GuruFocus rates XTUN:STB with a GF Score™ of 81/100 and a GF Value™ of TND3.59 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,517 Banks companies, Societe Tunisienne de Banque ranks better than 87.67% on this metric.

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Societe Tunisienne de Banque's share price is TND6.03. Societe Tunisienne de Banque's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2024 was TND4.62. Hence, Societe Tunisienne de Banque's PS Ratio for today is 1.31.

Warning Sign:

Societe Tunisienne de Banque SA stock PS Ratio (=1.14) is close to 5-year high of 1.14.

The historical rank and industry rank for Societe Tunisienne de Banque's PS Ratio or its related term are showing as below:

XTUN:STB' s PS Ratio Range Over the Past 10 Years
Min: 0.58   Med: 0.86   Max: 2.52
Current: 1.3

During the past 10 years, Societe Tunisienne de Banque's highest PS Ratio was 2.52. The lowest was 0.58. And the median was 0.86.

XTUN:STB's PS Ratio is ranked better than
87.67% of 1517 companies
in the Banks industry
Industry Median: 2.98 vs XTUN:STB: 1.30

Societe Tunisienne de Banque's Revenue per Sharefor the six months ended in Dec. 2024 was TND4.62. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2024 was TND4.62.

Warning Sign:

Societe Tunisienne de Banque SA revenue growth has slowed down over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of Societe Tunisienne de Banque was -1.50% per year. During the past 3 years, the average Revenue per Share Growth Rate was 1.60% per year. During the past 5 years, the average Revenue per Share Growth Rate was 3.40% per year.

During the past 10 years, Societe Tunisienne de Banque's highest 3-Year average Revenue per Share Growth Rate was 26.20% per year. The lowest was 1.60% per year. And the median was 8.65% per year.

Back to Basics: PS Ratio


Societe Tunisienne de Banque  (XTUN:STB) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


Societe Tunisienne de Banque PS Ratio Related Terms


Societe Tunisienne de Banque PS Ratio Historical Data

* Premium members only.

The historical data trend for Societe Tunisienne de Banque's PS 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.

Societe Tunisienne de Banque PS Ratio Chart

Societe Tunisienne de Banque Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.81 0.68 0.79 0.80 0.65

Societe Tunisienne de Banque Semi-Annual Data
Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.81 0.68 0.79 0.80 0.65

XTUN:STB vs PNC, USB: PS Ratio Comparison

For the Banks - Regional subindustry, Societe Tunisienne de Banque's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Societe Tunisienne de Banque's PS Ratio distribution charts can be found below:

* The bar in red indicates where Societe Tunisienne de Banque's PS Ratio falls into.


XTUN:STB
81GF Score
Societe Tunisienne de Banque SA XTUN:STB
PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Societe Tunisienne de Banque PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

Societe Tunisienne de Banque's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=6.03/4.62
=1.31

Societe Tunisienne de Banque's Share Price of today is TND6.03.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Societe Tunisienne de Banque's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2024 was TND4.62.

* 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:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.

Frequently Asked Questions Learn more about PS Ratio →
What does a PS Ratio of 1.31 mean?
Societe Tunisienne de Banque (XTUN:STB) has a PS Ratio of 1.31 as of Jul. 03, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Societe Tunisienne de Banque and its competitors. This is 52% above median its historical median of 0.86. Over the past decade, Societe Tunisienne de Banque's PS Ratio has ranged from 0.58 to 2.52. According to the industry distribution chart, Societe Tunisienne de Banque ranks #187 out of 1517 companies in the Banks industry, placing it in the top 12.3%.
Is Societe Tunisienne de Banque's PS Ratio too high?
Societe Tunisienne de Banque's current PS Ratio of 1.31 is 52% above median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 2.52. The Banks industry median PS Ratio is 2.98. Societe Tunisienne de Banque's value of 1.31 is 56% below this industry median. Based on the distribution chart, Societe Tunisienne de Banque ranks #187 out of 1517 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 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Tunisienne de Banque's PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Societe Tunisienne de Banque ranks #187 out of 1517 companies for PS Ratio. This places Societe Tunisienne de Banque in the top 12% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.98. Societe Tunisienne de Banque's value of 1.31 is 56% below this benchmark. Historically, Societe Tunisienne de Banque's own PS Ratio has ranged from 0.58 to 2.52 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Societe Tunisienne de Banque's current PS Ratio of 1.31 is 56% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Societe Tunisienne de Banque and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Tunisienne de Banque's current PS Ratio is 1.31, which is 52% above median its own 10-year median of 0.86. 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 TND3.59, compared to a current price of TND6.03 — trading 68% above its estimated fair value. The current PS Ratio is 1.31, which is 52% above median its 10-year median of 0.86 and 56% below the Banks industry median of 2.98. Societe Tunisienne de Banque's overall GF Score™ is 81/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Societe Tunisienne de Banque (XTUN:STB), the current PS Ratio is 1.31 as of Jul. 03, 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 TND6.03 is trading 68% above its estimated GF Value™ of TND3.59. GuruFocus considers Societe Tunisienne de Banque to be Significantly Overvalued.

Key valuation signals for XTUN:STB:

  • PS Ratio: 1.31 (52% above median its 10-year median of 0.86)
  • GF Value™: TND3.59 vs. price of TND6.03 (68% above fair value)
  • GF Score™: 81/100 with 8 warning signs
  • Industry Position: 56% below the Banks median (#187 of 1517)

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 Business Description

Address Rue Hedi Nouira, Tunis, TUN, 1001
Societe Tunisienne de Banque SA is engaged in providing banking services. Its activities include accepting deposits, lending money, manage cash among others.
81GF Score

Get the complete analysis for XTUN:STB

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

TND6.03
Price
TND3.59
GF Value