Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) ROE % Adjusted to Book Value: 0.00% (As of Dec. 2025)


XTUN:UBCI Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI
71 GF Score
Price TND39.99
GF Value TND26.30
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Union Bancaire Pour Le Commerce Et l' Industrie Bourse ROE % Adjusted to Book Value?

Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI 71 ROE % Adjusted to Book Value is 0.00% as of Dec. 2025. GuruFocus rates XTUN:UBCI with a GF Score™ of 71/100 and a GF Value™ of TND26.30 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Union Bancaire Pour Le Commerce Et l' Industrie Bourse's ROE % for the quarter that ended in Dec. 2025 was 0.00%. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PB Ratio for the quarter that ended in Dec. 2025 was 1.07. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 0.00%.


Union Bancaire Pour Le Commerce Et l' Industrie Bourse ROE % Adjusted to Book Value Related Terms


Union Bancaire Pour Le Commerce Et l' Industrie Bourse ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Union Bancaire Pour Le Commerce Et l' Industrie Bourse'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.

Union Bancaire Pour Le Commerce Et l' Industrie Bourse ROE % Adjusted to Book Value Chart

Union Bancaire Pour Le Commerce Et l' Industrie Bourse Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 7.74 14.16 12.18 13.14 11.21

Union Bancaire Pour Le Commerce Et l' Industrie Bourse Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.28 12.98 10.02 15.42 0.00

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

For the Banks - Regional subindustry, Union Bancaire Pour Le Commerce Et l' Industrie Bourse'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.


Union Bancaire Pour Le Commerce Et l' Industrie Bourse ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Union Bancaire Pour Le Commerce Et l' Industrie Bourse's ROE % Adjusted to Book Value falls into.


XTUN:UBCI
71GF Score
Union Bancaire Pour Le Commerce Et l' Industrie Bourse XTUN:UBCI
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bancaire Pour Le Commerce Et l' Industrie Bourse ROE % Adjusted to Book Value Calculation

Union Bancaire Pour Le Commerce Et l' Industrie Bourse'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
=11.99% / 1.07
=11.21%

Union Bancaire Pour Le Commerce Et l' Industrie Bourse'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
=0.00% / 1.07
=0.00%

* 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 0.00% mean?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a ROE % Adjusted to Book Value of 0.00% 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's ROE % Adjusted to Book Value too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current ROE % Adjusted to Book Value is 0.00%. Overall, Union Bancaire Pour Le Commerce Et l' Industrie Bourse has a GF Score™ of 71/100 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 ROE % Adjusted to Book Value compare to PNC and USB?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's ROE % Adjusted to Book Value of 0.00% 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current ROE % Adjusted to Book Value is 0.00%. 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 TND26.30, compared to a current price of TND39.99 — trading 52.1% above its estimated fair value. The current ROE % Adjusted to Book Value is 0.00%. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's overall GF Score™ is 71/100 with 7 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current ROE % Adjusted to Book Value is 0.00% 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 TND39.99 is trading 52.1% above its estimated GF Value™ of TND26.30. GuruFocus considers Union Bancaire Pour Le Commerce Et l' Industrie Bourse to be Significantly Overvalued.

Key valuation signals for XTUN:UBCI:

  • ROE % Adjusted to Book Value: 0.00%
  • GF Value™: TND26.30 vs. price of TND39.99 (52.1% above fair value)
  • GF Score™: 71/100 with 7 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.
71GF Score

Get the complete analysis for XTUN:UBCI

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

TND39.99
Price
TND26.30
GF Value