Union Internationale de Banques (XTUN:UIB) ROE % Adjusted to Book Value: 11.36% (As of Dec. 2025)


XTUN:UIB Union Internationale de Banques SA XTUN:UIB
82 GF Score
Price TND27.00
GF Value TND24.67
Valuation Fairly Valued
! 3 Warning Signs
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What is Union Internationale de Banques ROE % Adjusted to Book Value?

Union Internationale de Banques XTUN:UIB 82 ROE % Adjusted to Book Value is 11.36% as of Dec. 2025. GuruFocus rates XTUN:UIB with a GF Score™ of 82/100 and a GF Value™ of TND24.67 (Fairly Valued). The stock has 3 warning signs investors should review.

Union Internationale de Banques's ROE % for the quarter that ended in Dec. 2025 was 8.86%. Union Internationale de Banques's PB Ratio for the quarter that ended in Dec. 2025 was 0.78. Union Internationale de Banques's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 11.36%.


Union Internationale de Banques ROE % Adjusted to Book Value Related Terms


Union Internationale de Banques ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Union Internationale de Banques'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 Internationale de Banques ROE % Adjusted to Book Value Chart

Union Internationale de Banques 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 15.76 17.06 14.63 9.49 11.36

Union Internationale de Banques 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 15.76 17.06 14.63 9.49 11.36

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

For the Banks - Regional subindustry, Union Internationale de Banques'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 Internationale de Banques ROE % Adjusted to Book Value vs Banks Industry

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

* The bar in red indicates where Union Internationale de Banques's ROE % Adjusted to Book Value falls into.


XTUN:UIB
82GF Score
Union Internationale de Banques SA XTUN:UIB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Internationale de Banques ROE % Adjusted to Book Value Calculation

Union Internationale de Banques'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
=8.86% / 0.78
=11.36%

Union Internationale de Banques'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
=8.86% / 0.78
=11.36%

* 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 11.36% mean?
Union Internationale de Banques (XTUN:UIB) has a ROE % Adjusted to Book Value of 11.36% 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 Internationale de Banques and its competitors.
Is Union Internationale de Banques' ROE % Adjusted to Book Value too high?
Union Internationale de Banques' current ROE % Adjusted to Book Value is 11.36%. Overall, Union Internationale de Banques has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' ROE % Adjusted to Book Value compare to PNC and USB?
Union Internationale de Banques' ROE % Adjusted to Book Value of 11.36% 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 Internationale de Banques and its competitors. Union Internationale de Banques's current ROE % Adjusted to Book Value is 11.36%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Fairly Valued. The stock's GF Value™ is TND24.67, compared to a current price of TND27.00 — trading 9.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 11.36%. Union Internationale de Banques' overall GF Score™ is 82/100 with 3 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 Internationale de Banques (XTUN:UIB), the current ROE % Adjusted to Book Value is 11.36% 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 Internationale de Banques (XTUN:UIB) Overvalued in 2026?

Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued. The current stock price of TND27.00 is trading 9.4% above its estimated GF Value™ of TND24.67. GuruFocus considers Union Internationale de Banques to be Fairly Valued.

Key valuation signals for XTUN:UIB:

  • ROE % Adjusted to Book Value: 11.36%
  • GF Value™: TND24.67 vs. price of TND27.00 (9.4% above fair value)
  • GF Score™: 82/100 with 3 warning signs

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


Union Internationale de Banques Business Description

Address 65 Avenue Habib Bourguiba, Tunis, TUN
Union Internationale de Banques SA is engaged in providing banking services to individuals and businesses, companies and institutions.
82GF Score

Get the complete analysis for XTUN:UIB

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

TND27.00
Price
TND24.67
GF Value