Societe Tunisienne de BanqueXTUN:STB -0.17%81 Return-on-Tangible-Equity is 7.57% as of Dec. 2024, which is 10% above its 10-year median of 6.87. 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 1,523 Banks companies, Societe Tunisienne de Banque ranks worse than 71.04% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Societe Tunisienne de Banque's annualized net income for the quarter that ended in Dec. 2024 was TND103.3 Mil. Societe Tunisienne de Banque's average shareholder tangible equity for the quarter that ended in Dec. 2024 was TND1,364.9 Mil. Therefore, Societe Tunisienne de Banque's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2024 was 7.57%.
The historical rank and industry rank for Societe Tunisienne de Banque's Return-on-Tangible-Equity or its related term are showing as below:
XTUN:STB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.8 Med: 6.87 Max: 18
Current: 7.57
During the past 10 years, Societe Tunisienne de Banque's highest Return-on-Tangible-Equity was 18.00%. The lowest was -0.80%. And the median was 6.87%.
XTUN:STB's Return-on-Tangible-Equity is ranked worse than 71.04% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs XTUN:STB: 7.57
Societe Tunisienne de Banque (XTUN:STB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Societe Tunisienne de Banque Return-on-Tangible-Equity Related Terms
Societe Tunisienne de Banque Return-on-Tangible-Equity 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.
Societe Tunisienne de Banque Return-on-Tangible-Equity Chart
XTUN:STB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Societe Tunisienne de Banque's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Societe Tunisienne de Banque's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Societe Tunisienne de Banque's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2024) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.57% mean?
Societe Tunisienne de Banque (XTUN:STB) has a Return-on-Tangible-Equity of 7.57% as of Dec. 2024. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Societe Tunisienne de Banque and its competitors. This is 10% above median its historical median of 6.87. According to the industry distribution chart, Societe Tunisienne de Banque ranks #1082 out of 1523 companies in the Banks industry, placing it in the top 71%.
Is Societe Tunisienne de Banque's Return-on-Tangible-Equity too high?
Societe Tunisienne de Banque's current Return-on-Tangible-Equity of 7.57% is 10% above median its 10-year median of 6.87. The Banks industry median Return-on-Tangible-Equity is 11.19. Societe Tunisienne de Banque's value of 7.57% is 32.4% below this industry median. Based on the distribution chart, Societe Tunisienne de Banque ranks #1082 out of 1523 companies in the Banks industry, which is below the industry midpoint. 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 Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Societe Tunisienne de Banque ranks #1082 out of 1523 companies for Return-on-Tangible-Equity. This places Societe Tunisienne de Banque in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Societe Tunisienne de Banque's value of 7.57% is 32.4% below this benchmark. While the company's 10-year median is 6.87 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Societe Tunisienne de Banque's current Return-on-Tangible-Equity of 7.57% is 32.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Societe Tunisienne de Banque and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Tunisienne de Banque's current Return-on-Tangible-Equity is 7.57%, which is 10% above median its own 10-year median of 6.87. 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 TND6.02 — trading 67.7% above its estimated fair value. The current Return-on-Tangible-Equity is 7.57%, which is 10% above median its 10-year median of 6.87 and 32.4% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Societe Tunisienne de Banque (XTUN:STB), the current Return-on-Tangible-Equity is 7.57% 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 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 TND6.02 is trading 67.7% above its estimated GF Value™ of TND3.59.
GuruFocus considers Societe Tunisienne de Banque to be Significantly Overvalued.
Key valuation signals for XTUN:STB:
Return-on-Tangible-Equity: 7.57% (10% above median its 10-year median of 6.87)
GF Value™: TND3.59 vs. price of TND6.02 (67.7% above fair value)
Industry Position: 32.4% below the Banks median (#1082 of 1523)
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 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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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