BH Bank (XTUN:BH) Retained Earnings: TND71.0 Mil (As of Dec. 2024)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTUN:BH BH Bank XTUN:BH
86 GF Score
Price TND14.00
GF Value TND13.08
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is BH Bank Retained Earnings?

BH Bank XTUN:BH -5.91% 86 Retained Earnings is TND71.0 Mil as of Dec. 2024. GuruFocus rates XTUN:BH with a GF Score™ of 86/100 and a GF Value™ of TND13.08 (Fairly Valued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. BH Bank's retained earnings for the quarter that ended in Dec. 2024 was TND71.0 Mil.

BH Bank's quarterly retained earnings increased from Dec. 2022 (TND125.1 Mil) to Dec. 2023 (TND143.0 Mil) but then declined from Dec. 2023 (TND143.0 Mil) to Dec. 2024 (TND71.0 Mil).

BH Bank's annual retained earnings increased from Dec. 2022 (TND125.1 Mil) to Dec. 2023 (TND143.0 Mil) but then declined from Dec. 2023 (TND143.0 Mil) to Dec. 2024 (TND71.0 Mil).


BH Bank  (XTUN:BH) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


BH Bank Retained Earnings Historical Data

* Premium members only.

The historical data trend for BH Bank's Retained Earnings 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.

BH Bank Retained Earnings Chart

BH Bank Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 73.07 137.81 125.15 142.98 71.03

BH Bank Semi-Annual Data
Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 73.07 137.81 125.15 142.98 71.03
XTUN:BH
86GF Score
BH Bank XTUN:BH
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BH Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of TND71.0 Mil mean?
BH Bank (XTUN:BH) has a Retained Earnings of TND71.0 Mil as of Dec. 2024. Retained earnings is the amount of net income not issued to shareholders. View historical data on BH Bank and its competitors.
Is BH Bank's Retained Earnings too high?
BH Bank's current Retained Earnings is TND71.0 Mil. Overall, BH Bank has a GF Score™ of 86/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BH Bank's Retained Earnings compare to PNC and USB?
BH Bank's Retained Earnings of TND71.0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on BH Bank and its competitors. BH Bank's current Retained Earnings is TND71.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BH Bank stock overvalued right now?
Based on GuruFocus' analysis, BH Bank (XTUN:BH) is currently considered Fairly Valued. The stock's GF Value™ is TND13.08, compared to a current price of TND14.00 — trading 7% above its estimated fair value. The current Retained Earnings is TND71.0 Mil. BH Bank's overall GF Score™ is 86/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For BH Bank (XTUN:BH), the current Retained Earnings is TND71.0 Mil as of Dec. 2024. 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 BH Bank (XTUN:BH) Overvalued in 2026?

Based on GuruFocus' analysis, BH Bank stock appears to be overvalued. The current stock price of TND14.00 is trading 7% above its estimated GF Value™ of TND13.08. GuruFocus considers BH Bank to be Fairly Valued.

Key valuation signals for XTUN:BH:

  • Retained Earnings: TND71.0 Mil
  • GF Value™: TND13.08 vs. price of TND14.00 (7% above fair value)
  • GF Score™: 86/100 with 4 warning signs

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


BH Bank Business Description

Address 67 Rue Alain Savary, See X2 Residence Les Jardins II Block A, 7th floor, Tunis, TUN, 1002
BH Bank is engaged in the banking business. It provides loans, accounts, and credit card services, among others.
86GF Score

Get the complete analysis for XTUN:BH

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

TND14.00
Price
TND13.08
GF Value