Societe Tunisienne de Banque (XTUN:STB) ROE % Adjusted to Book Value: 23.53% (As of Dec. 2024)


XTUN:STB Societe Tunisienne de Banque SA XTUN:STB
76 GF Score
Price TND5.27
GF Value TND3.60
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Societe Tunisienne de Banque ROE % Adjusted to Book Value?

Societe Tunisienne de Banque XTUN:STB 76 ROE % Adjusted to Book Value is 23.53% as of Dec. 2024. 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.

Societe Tunisienne de Banque's ROE % for the quarter that ended in Dec. 2024 was 7.53%. Societe Tunisienne de Banque's PB Ratio for the quarter that ended in Dec. 2024 was 0.32. Societe Tunisienne de Banque's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2024 was 23.53%.

Societe Tunisienne de Banque ROE % Adjusted to Book Value Related Terms

Societe Tunisienne de Banque ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Societe Tunisienne de Banque'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.

Societe Tunisienne de Banque ROE % Adjusted to Book Value Chart

Societe Tunisienne de Banque Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.67 29.00 17.90 10.02 23.53

Societe Tunisienne de Banque Semi-Annual Data
Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.67 29.00 17.90 10.02 23.53

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

For the Banks - Regional subindustry, Societe Tunisienne de Banque'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.

Societe Tunisienne de Banque ROE % Adjusted to Book Value vs Banks Industry

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

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


XTUN:STB
76GF Score
Societe Tunisienne de Banque SA XTUN:STB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Societe Tunisienne de Banque ROE % Adjusted to Book Value Calculation

Societe Tunisienne de Banque's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2024 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=7.53% / 0.32
=23.53%

Societe Tunisienne de Banque's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2024 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=7.53% / 0.32
=23.53%

* 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 23.53% mean?
Societe Tunisienne de Banque (XTUN:STB) has a ROE % Adjusted to Book Value of 23.53% as of Dec. 2024. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Societe Tunisienne de Banque and its competitors.
Is Societe Tunisienne de Banque's ROE % Adjusted to Book Value too high?
Societe Tunisienne de Banque's current ROE % Adjusted to Book Value is 23.53%. 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 ROE % Adjusted to Book Value compare to PNC and USB?
Societe Tunisienne de Banque's ROE % Adjusted to Book Value of 23.53% 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 Societe Tunisienne de Banque and its competitors. Societe Tunisienne de Banque's current ROE % Adjusted to Book Value is 23.53%. 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 ROE % Adjusted to Book Value is 23.53%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Societe Tunisienne de Banque (XTUN:STB), the current ROE % Adjusted to Book Value is 23.53% 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:

  • ROE % Adjusted to Book Value: 23.53%
  • GF Value™: TND3.60 vs. price of TND5.27 (46.4% above fair value)
  • GF Score™: 76/100 with 8 warning signs

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 Business Description

Address Rue Hedi Nouira, Tunis, TUN, 1001
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

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

TND5.27
Price
TND3.60
GF Value