Financials Société Tunisienne de Banque Société anonyme

Equities

STB

TN0002600955

Banks

End-of-day quote Tunis 06:00:00 2024-06-06 pm EDT 5-day change 1st Jan Change
3.24 TND -0.31% Intraday chart for Société Tunisienne de Banque Société anonyme -1.52% -13.37%

Valuation

Fiscal Period: December 2020 2021 2022 2024 2025 2026
Capitalization 1 517.2 460.1 586.7 500 - -
Enterprise Value (EV) 1 517.2 460.1 586.7 500 500 500
P/E ratio - 3.99 x 5.9 x 27 x 14.1 x -
Yield - - - - - -
Capitalization / Revenue 0.83 x 0.7 x 0.8 x 0.7 x 0.64 x 0.59 x
EV / Revenue 0.83 x 0.7 x 0.8 x 0.7 x 0.64 x 0.59 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book - - - - - -
Nbr of stocks (in thousands) 154,389 154,383 154,383 154,323 - -
Reference price 2 3.350 2.980 3.800 3.240 3.240 3.240
Announcement Date 4/21/21 4/15/22 4/13/23 - - -
1TND in Million2TND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2024 2025 2026
Net sales 1 625.7 660.6 732.8 710 779 848
EBITDA - - - - - -
EBIT 1 - - 410.2 327 364 -
Operating Margin - - 55.98% 46.06% 46.73% -
Earnings before Tax (EBT) - - - - - -
Net income 1 - 115.5 100.4 17.9 35.4 57.4
Net margin - 17.48% 13.7% 2.52% 4.54% 6.77%
EPS 2 - 0.7460 0.6440 0.1200 0.2300 -
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 4/21/21 4/15/22 4/13/23 - - -
1TND in Million2TND
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2024 2025 2026
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 6.49% 9.97% 8.43% 1.48% 2.87% 4.49%
ROA (Net income/ Total Assets) - - - - - -
Assets 1 - - - - - -
Book Value Per Share - - - - - -
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 4/21/21 4/15/22 4/13/23 - - -
1TND in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
SELL
Number of Analysts
1
Last Close Price
3.24 TND
Average target price
2.31 TND
Spread / Average Target
-28.70%
Consensus

Annual profits - Rate of surprise

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