Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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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:UBCI Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI
70 GF Score
Price TND39.90
GF Value TND26.36
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Union Bancaire Pour Le Commerce Et l' Industrie Bourse ROC (Joel Greenblatt) %?

Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI 70 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates XTUN:UBCI with a GF Score™ of 70/100 and a GF Value™ of TND26.36 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 46 Banks companies, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

XTUN:UBCI
70GF Score
Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. According to the industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 46 companies in the Banks industry.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's ROC (Joel Greenblatt) % too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Bancaire Pour Le Commerce Et l' Industrie Bourse has a GF Score™ of 70/100 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 ROC (Joel Greenblatt) % compare to PNC and USB?
According to the Banks industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Union Bancaire Pour Le Commerce Et l' Industrie Bourse in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — 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 ROC (Joel Greenblatt) % is %. 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 TND26.36, compared to a current price of TND39.90 — trading 51.4% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current ROC (Joel Greenblatt) % is % 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 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 51.4% above its estimated GF Value™ of TND26.36. GuruFocus considers Union Bancaire Pour Le Commerce Et l' Industrie Bourse to be Significantly Overvalued.

Key valuation signals for XTUN:UBCI:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: TND26.36 vs. price of TND39.90 (51.4% above fair value)
  • GF Score™: 70/100 with 6 warning signs

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

Address 139 Liberty Avenue, Belvedere, Tunis, TUN, 1002
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.
70GF Score

Get the complete analysis for XTUN:UBCI

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND39.90
Price
TND26.36
GF Value