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Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) 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.
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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse PS Ratio Related Terms
Union Bancaire Pour Le Commerce Et l' Industrie Bourse PS 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse PS Ratio 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 PS Ratio vs Banks Industry
Union Bancaire Pour Le Commerce Et l' Industrie Bourse 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Share Price of today is TND39.90.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was TND16.45.
* 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:
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a PS Ratio of 2.43 as of Jul. 21, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. This is 59% above median its historical median of 1.53. Over the past decade, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PS Ratio has ranged from 1.12 to 2.43. According to the industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #522 out of 1514 companies in the Banks industry, placing it in the top 34.5%.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PS Ratio too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current PS Ratio of 2.43 is 59% above median its 10-year median of 1.53. Over the past 10 years, this metric has ranged from a low of 1.12 to a high of 2.43. The Banks industry median PS Ratio is 3.03. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 2.43 is 19.8% below this industry median. Based on the distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #522 out of 1514 companies in the Banks industry, which is above 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 PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #522 out of 1514 companies for PS Ratio. This puts Union Bancaire Pour Le Commerce Et l' Industrie Bourse in the upper half of its industry. The industry median PS Ratio is 3.03. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's value of 2.43 is 19.8% below this benchmark. Historically, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's own PS Ratio has ranged from 1.12 to 2.43 over the past decade. While the company's 10-year median is 1.53 vs. the industry median of 3.03, Union Bancaire Pour Le Commerce Et l' Industrie Bourse 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 3.03, based on 1,514 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. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current PS Ratio of 2.43 is 19.8% 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. For the Banks industry, the median PS Ratio is 3.03 — 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 PS Ratio is 2.43, which is 59% above median its own 10-year median of 1.53. 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 PS Ratio is 2.43, which is 59% above median its 10-year median of 1.53 and 19.8% below the Banks industry median of 3.03. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current PS Ratio is 2.43 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:
PS Ratio: 2.43 (59% above median its 10-year median of 1.53)
GF Value™: TND26.33 vs. price of TND39.90 (51.5% above fair value)
Industry Position: 19.8% below the Banks median (#522 of 1514)
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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