Banque de Tunisie (XTUN:BT) ROE % Adjusted to Book Value: 12.32% (As of Dec. 2025)


XTUN:BT Banque de Tunisie SA XTUN:BT
95 GF Score
Price TND6.83
GF Value TND5.98
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Banque de Tunisie ROE % Adjusted to Book Value?

Banque de Tunisie XTUN:BT 95 ROE % Adjusted to Book Value is 12.32% as of Dec. 2025. GuruFocus rates XTUN:BT with a GF Score™ of 95/100 and a GF Value™ of TND5.98 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Banque de Tunisie's ROE % for the quarter that ended in Dec. 2025 was 13.55%. Banque de Tunisie's PB Ratio for the quarter that ended in Dec. 2025 was 1.10. Banque de Tunisie's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 12.32%.

Banque de Tunisie ROE % Adjusted to Book Value Related Terms

Banque de Tunisie ROE % Adjusted to Book Value Historical Data

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The historical data trend for Banque de Tunisie's ROE % Adjusted to Book Value 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.

Banque de Tunisie ROE % Adjusted to Book Value Chart

Banque de Tunisie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.75 12.65 13.03 14.93 12.32

Banque de Tunisie Semi-Annual Data
Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 12.75 12.65 13.03 14.93 12.32

XTUN:BT vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Banque de Tunisie's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.

Banque de Tunisie ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Banque de Tunisie's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Banque de Tunisie's ROE % Adjusted to Book Value falls into.


XTUN:BT
95GF Score
Banque de Tunisie SA XTUN:BT
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque de Tunisie ROE % Adjusted to Book Value Calculation

Banque de Tunisie's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.55% / 1.10
=12.32%

Banque de Tunisie's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.55% / 1.10
=12.32%

* 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.

What does a ROE % Adjusted to Book Value of 12.32% mean?
Banque de Tunisie (XTUN:BT) has a ROE % Adjusted to Book Value of 12.32% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Banque de Tunisie and its competitors.
Is Banque de Tunisie's ROE % Adjusted to Book Value too high?
Banque de Tunisie's current ROE % Adjusted to Book Value is 12.32%. Overall, Banque de Tunisie has a GF Score™ of 95/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque de Tunisie's ROE % Adjusted to Book Value compare to PNC and USB?
Banque de Tunisie's ROE % Adjusted to Book Value of 12.32% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Banque de Tunisie and its competitors. Banque de Tunisie's current ROE % Adjusted to Book Value is 12.32%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque de Tunisie stock overvalued right now?
Based on GuruFocus' analysis, Banque de Tunisie (XTUN:BT) is currently considered Modestly Overvalued. The stock's GF Value™ is TND5.98, compared to a current price of TND6.83 — trading 14.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 12.32%. Banque de Tunisie's overall GF Score™ is 95/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current ROE % Adjusted to Book Value is 12.32% 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 Banque de Tunisie (XTUN:BT) Overvalued in 2026?

Based on GuruFocus' analysis, Banque de Tunisie stock appears to be overvalued. The current stock price of TND6.83 is trading 14.2% above its estimated GF Value™ of TND5.98. GuruFocus considers Banque de Tunisie to be Modestly Overvalued.

Key valuation signals for XTUN:BT:

  • ROE % Adjusted to Book Value: 12.32%
  • GF Value™: TND5.98 vs. price of TND6.83 (14.2% above fair value)
  • GF Score™: 95/100 with 1 warning sign

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

Banque de Tunisie Business Description

Address 2, Rue Turkey, Tunis, TUN, 1001
Banque de Tunisie SA provides banking services. It offers banking and financial services to corporate, commercial, institutional and individual customers.
95GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND6.83
Price
TND5.98
GF Value