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Banque de TunisieXTUN:BT -2.76%99 5-Year Yield-on-Cost % is 3.62 as of Jul. 23, 2026, which is 28% below its 10-year median of 5.00. GuruFocus rates XTUN:BT with a GF Score™ of 99/100 and a GF Value™ of TND5.98 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,251 Banks companies, Banque de Tunisie ranks worse than 55.08% on this metric.
Banque de Tunisie's yield on cost for the quarter that ended in Dec. 2025 was 3.62.
The historical rank and industry rank for Banque de Tunisie's 5-Year Yield-on-Cost % or its related term are showing as below:
XTUN:BT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.21 Med: 5 Max: 6.76
Current: 3.62
During the past 11 years, Banque de Tunisie's highest Yield on Cost was 6.76. The lowest was 3.21. And the median was 5.00.
XTUN:BT's 5-Year Yield-on-Cost % is ranked worse than 55.08% of 1251
companies
in the Banks industry
Industry Median: 3.9
vs XTUN:BT: 3.62
Banque de Tunisie (XTUN:BT) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Banque de Tunisie 5-Year Yield-on-Cost % Related Terms
XTUN:BT vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Banque de Tunisie's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Banque de Tunisie's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Banque de Tunisie's 5-Year Yield-on-Cost % falls into.
Banque de Tunisie 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Banque de Tunisie (XTUN:BT) has a 5-Year Yield-on-Cost % of 3.62 as of Jul. 23, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Banque de Tunisie and its competitors. This is 28% below median its historical median of 5.00. Over the past decade, Banque de Tunisie's 5-Year Yield-on-Cost % has ranged from 3.21 to 6.76. According to the industry distribution chart, Banque de Tunisie ranks #689 out of 1251 companies in the Banks industry, placing it in the top 55.1%.
Is Banque de Tunisie's 5-Year Yield-on-Cost % too high?
Banque de Tunisie's current 5-Year Yield-on-Cost % of 3.62 is 28% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.21 to a high of 6.76. The Banks industry median 5-Year Yield-on-Cost % is 3.90. Banque de Tunisie's value of 3.62 is 7.2% below this industry median. Based on the distribution chart, Banque de Tunisie ranks #689 out of 1251 companies in the Banks industry, which is below the industry midpoint. Overall, Banque de Tunisie has a GF Score™ of 99/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque de Tunisie's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Banque de Tunisie ranks #689 out of 1251 companies for 5-Year Yield-on-Cost %. This places Banque de Tunisie in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.90. Banque de Tunisie's value of 3.62 is 7.2% below this benchmark. Historically, Banque de Tunisie's own 5-Year Yield-on-Cost % has ranged from 3.21 to 6.76 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 3.90, Banque de Tunisie has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.90, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque de Tunisie's current 5-Year Yield-on-Cost % of 3.62 is 7.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Banque de Tunisie and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque de Tunisie's current 5-Year Yield-on-Cost % is 3.62, which is 28% below median its own 10-year median of 5.00. 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 Significantly Overvalued. The stock's GF Value™ is TND5.98, compared to a current price of TND9.53 — trading 59.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.62, which is 28% below median its 10-year median of 5.00 and 7.2% below the Banks industry median of 3.90. Banque de Tunisie's overall GF Score™ is 99/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current 5-Year Yield-on-Cost % is 3.62 as of Jul. 23, 2026. 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 TND9.53 is trading 59.4% above its estimated GF Value™ of TND5.98.
GuruFocus considers Banque de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BT:
5-Year Yield-on-Cost %: 3.62 (28% below median its 10-year median of 5.00)
GF Value™: TND5.98 vs. price of TND9.53 (59.4% above fair value)
Industry Position: 7.2% below the Banks median (#689 of 1251)
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 SA provides banking services. It offers banking and financial services to corporate, commercial, institutional and individual customers.
99GF Score
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