Union Internationale de BanquesXTUN:UIB 87 Return-on-Tangible-Equity is 9.14% as of Dec. 2025, which is 39% below its 10-year median of 14.97. GuruFocus rates XTUN:UIB with a GF Score™ of 87/100 and a GF Value™ of TND24.70 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Union Internationale de Banques ranks worse than 62.71% 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. Union Internationale de Banques's annualized net income for the quarter that ended in Dec. 2025 was TND94.2 Mil. Union Internationale de Banques's average shareholder tangible equity for the quarter that ended in Dec. 2025 was TND1,030.2 Mil. Therefore, Union Internationale de Banques's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.14%.
The historical rank and industry rank for Union Internationale de Banques's Return-on-Tangible-Equity or its related term are showing as below:
XTUN:UIB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.33 Med: 14.97 Max: 21.25
Current: 9.14
During the past 11 years, Union Internationale de Banques's highest Return-on-Tangible-Equity was 21.25%. The lowest was 7.33%. And the median was 14.97%.
XTUN:UIB's Return-on-Tangible-Equity is ranked worse than 62.71% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs XTUN:UIB: 9.14
Union Internationale de Banques (XTUN:UIB) 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.
Union Internationale de Banques Return-on-Tangible-Equity Related Terms
Union Internationale de Banques 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.
Union Internationale de Banques Return-on-Tangible-Equity Chart
XTUN:UIB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Union Internationale de Banques'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.
Union Internationale de Banques Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques'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. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.14% mean?
Union Internationale de Banques (XTUN:UIB) has a Return-on-Tangible-Equity of 9.14% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Union Internationale de Banques and its competitors. This is 39% below median its historical median of 14.97. Over the past decade, Union Internationale de Banques' Return-on-Tangible-Equity has ranged from 7.33 to 21.25. According to the industry distribution chart, Union Internationale de Banques ranks #955 out of 1523 companies in the Banks industry, placing it in the top 62.7%.
Is Union Internationale de Banques' Return-on-Tangible-Equity too high?
Union Internationale de Banques' current Return-on-Tangible-Equity of 9.14% is 39% below median its 10-year median of 14.97. Over the past 10 years, this metric has ranged from a low of 7.33 to a high of 21.25. The Banks industry median Return-on-Tangible-Equity is 11.19. Union Internationale de Banques' value of 9.14% is 18.3% below this industry median. Based on the distribution chart, Union Internationale de Banques ranks #955 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Union Internationale de Banques has a GF Score™ of 87/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #955 out of 1523 companies for Return-on-Tangible-Equity. This places Union Internationale de Banques in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Union Internationale de Banques' value of 9.14% is 18.3% below this benchmark. Historically, Union Internationale de Banques' own Return-on-Tangible-Equity has ranged from 7.33 to 21.25 over the past decade. While the company's 10-year median is 14.97 vs. the industry median of 11.19, Union Internationale de Banques 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. Union Internationale de Banques's current Return-on-Tangible-Equity of 9.14% is 18.3% 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 Union Internationale de Banques 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. Union Internationale de Banques's current Return-on-Tangible-Equity is 9.14%, which is 39% below median its own 10-year median of 14.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Modestly Overvalued. The stock's GF Value™ is TND24.70, compared to a current price of TND30.60 — trading 23.9% above its estimated fair value. The current Return-on-Tangible-Equity is 9.14%, which is 39% below median its 10-year median of 14.97 and 18.3% below the Banks industry median of 11.19. Union Internationale de Banques' overall GF Score™ is 87/100 with 4 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 Union Internationale de Banques (XTUN:UIB), the current Return-on-Tangible-Equity is 9.14% as of Dec. 2025. 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 Internationale de Banques (XTUN:UIB) Overvalued in 2026?
Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued.
The current stock price of TND30.60 is trading 23.9% above its estimated GF Value™ of TND24.70.
GuruFocus considers Union Internationale de Banques to be Modestly Overvalued.
Key valuation signals for XTUN:UIB:
Return-on-Tangible-Equity: 9.14% (39% below median its 10-year median of 14.97)
GF Value™: TND24.70 vs. price of TND30.60 (23.9% above fair value)
Industry Position: 18.3% below the Banks median (#955 of 1523)
No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Internationale de Banques Business Description
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