Societe Tunisienne de BanqueXTUN:STB 76 ROA % is 0.68% as of Dec. 2024, which is 13% above its 10-year median of 0.60. GuruFocus rates XTUN:STB with a GF Score™ of 76/100 and a GF Value™ of TND3.60 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,529 Banks companies, Societe Tunisienne de Banque ranks worse than 68.35% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Societe Tunisienne de Banque's annualizedNet Income for the quarter that ended in Dec. 2024 was TND103.3 Mil.
Societe Tunisienne de Banque's average Total Assets over the quarter that ended in Dec. 2024 was TND15,095.4 Mil. Therefore, Societe Tunisienne de Banque's annualized ROA % for the quarter that ended in Dec. 2024 was 0.68%.
The historical rank and industry rank for Societe Tunisienne de Banque's ROA % or its related term are showing as below:
XTUN:STB'
s ROA % Range Over the Past 10 Years
Min: -0.05 Med: 0.6 Max: 1.62
Current: 0.68
During the past 10 years, Societe Tunisienne de Banque's highest ROA % was 1.62%. The lowest was -0.05%. And the median was 0.60%.
XTUN:STB's ROA % is ranked worse than 68.35% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs XTUN:STB: 0.68
Societe Tunisienne de Banque (XTUN:STB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2024) net income data. The Revenue data used here is one times the annual (Dec. 2024) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Societe Tunisienne de Banque ROA % Related Terms
Societe Tunisienne de Banque ROA % 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.
For the Banks - Regional subindustry, Societe Tunisienne de Banque's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Societe Tunisienne de Banque's ROA % distribution charts can be found below:
* The bar in red indicates where Societe Tunisienne de Banque's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Societe Tunisienne de Banque (XTUN:STB) has a ROA % of 0.68% as of Dec. 2024. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Societe Tunisienne de Banque and its competitors. This is 13% above median its historical median of 0.60. According to the industry distribution chart, Societe Tunisienne de Banque ranks #1045 out of 1529 companies in the Banks industry, placing it in the top 68.3%.
Is Societe Tunisienne de Banque's ROA % too high?
Societe Tunisienne de Banque's current ROA % of 0.68% is 13% above median its 10-year median of 0.60. The Banks industry median ROA % is 0.98. Societe Tunisienne de Banque's value of 0.68% is 30.6% below this industry median. Based on the distribution chart, Societe Tunisienne de Banque ranks #1045 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Societe Tunisienne de Banque has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Tunisienne de Banque's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Societe Tunisienne de Banque ranks #1045 out of 1529 companies for ROA %. This places Societe Tunisienne de Banque in the lower half of its industry. The industry median ROA % is 0.98. Societe Tunisienne de Banque's value of 0.68% is 30.6% below this benchmark. While the company's 10-year median is 0.60 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Societe Tunisienne de Banque's current ROA % of 0.68% is 30.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Societe Tunisienne de Banque and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Tunisienne de Banque's current ROA % is 0.68%, which is 13% above median its own 10-year median of 0.60. 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 TND3.60, compared to a current price of TND5.27 — trading 46.4% above its estimated fair value. The current ROA % is 0.68%, which is 13% above median its 10-year median of 0.60 and 30.6% below the Banks industry median of 0.98. Societe Tunisienne de Banque's overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Societe Tunisienne de Banque (XTUN:STB), the current ROA % is 0.68% 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 TND5.27 is trading 46.4% above its estimated GF Value™ of TND3.60.
GuruFocus considers Societe Tunisienne de Banque to be Significantly Overvalued.
Key valuation signals for XTUN:STB:
ROA %: 0.68% (13% above median its 10-year median of 0.60)
GF Value™: TND3.60 vs. price of TND5.27 (46.4% above fair value)
Industry Position: 30.6% below the Banks median (#1045 of 1529)
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.
76GF Score
Get the complete analysis for XTUN:STB
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTUN:STB has been successfully added to your 
